Atlas General Insurance Services

Associate Underwriter

Posted on Oct 29 San Diego, CA


About Atlas: Atlas is a customer-centric general insurance agency committed to building strong long-term relationships and providing best-in-class customer service. Atlas offers a comprehensive range of services, including custom marketing, access to top-rated carriers, competitive commissions, dedicated business consultants, underwriters and sales team support. We offer products in the following divisions: Workers' Compensation, General Commercial Lines, and Specialty Property.

Atlas has received over 20 awards since our start in 2009, including SD Business Journal Best Places to Work and 100 Fastest Growing Companies. In 2016, we were named the 4th Healthiest Company in San Diego and were honored with a place on the national IBA's Hot 100 List. We believe our employees and culture are our most important assets and the driving force behind our continued success! To read more about the opportunities and benefits we provide to our employees, visit http://atlas.us.com
Summary: The purpose of the Associate Underwriter is to determine acceptability of workers' compensation risks by reviewing, evaluating and rating accounts submitted by independent insurance brokers through GoQuote, our proprietary online rating system. The Underwriter will also handle accounts received on a referral basis outside GoQuote. The Underwriter will build/maintain independent insurance agency relationships, monitor production and loss ratios. The Associate Underwriter will be someone who enjoys working within a team environment; however, can thrive and succeed as an individual employee.

Duties and Responsibilities include the following. Other duties may be assigned.

  • Provide business information and resolve problems by answering producers' questions and concerns; training producers regarding procedures, product knowledge, and underwriting guidelines.
  • Underwrite workers' compensation insurance applications by analyzing risk for acceptance, rejection, or need for further evaluation by comparing exposure analysis (classification, business characteristics, inspection reports, actuarial analysis, financial standing and loss experience) to company underwriting guidelines.
  • Prepare premium indications/quotes by rating risks based on class fit and business characteristics.
  • Determine renewal actions by analyzing claim reports and pre-underwriting reviews.
  • Evaluate Loss Control Reports. Recommend corrective actions and monitor progress.
  • Complete underwriting file documentation by adhering to established underwriting standards.
  • Monitor/Improve business agents' portfolio results by analyzing production and loss experience. Prepare reports and present results to agency principles.
  • Develop broker relationships to increase submission and premium activity
  • Ongoing outreach and training for brokers to increase online submission activity
  • Review final audits.
  • Prepare reports by collecting, analyzing, and summarizing information and trends.
  • Contribute to fellow underwriting staff by developing and conducting training programs.
  • Maintain inter/intradepartmental work flow by fostering a spirit of cooperation.
  • Update job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations.
  • Enhance underwriting and organization reputation by accepting ownership for accomplishing new and different requests; exploring opportunities to add value to job accomplishments.
  • Assists with special projects as necessary.

Qualifications:


To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education/Experience:


One to two years of commercial insurance experience required. Working knowledge of Workers Compensation regulations and standards is preferred.

  • Knowledge of CA workers' comp class codes.
  • Knowledge of workers' comp underwriting standards.
  • Existing broker relationships is preferred.

Computer Skills:


To perform this job successfully, an individual should have working knowledge of Microsoft Word; Excel; Microsoft Outlook and internet software.

Language Ability: Ability to read, analyze, and interpret common scientific and technical journals, financial reports, and legal documents. Ability to reach out to brokers and other agency representatives regarding our product and provide ongoing training as needed. Ability to respond to common inquiries or complaints from brokers, regulatory agencies, vendors and/or members of the business community.

Reasoning Ability: Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables. Ability to market the product and build relationships with broker to overall increase portfolio of business.

Confidentiality: Ability to maintain confidentiality of sensitive information.

Math Ability:Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.

Supervisory Responsibilities: Works under general supervision of Small Business Unit Manager and GoQuote Manager. Work is reviewed for overall adequacy in performing tasks.

Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

Physical Demands:The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to sit and talk or hear. The employee is occasionally required to stand; walk; use hands and reach with hands and arms.

Employee may occasionally travel in the field by plane and/or vehicle.