Underwriter

Personal Lines Underwriter Location: Johnston, Rhode Island (Greater Providence Area) Company: NBIC Position Overview NBIC is seeking a detail-oriented and customer-focused Personal Lines Underwriter to join our team in Johnston, RI. This individual will evaluate, select, and manage personal lines property and casualty risks in accordance with established underwriting guidelines, company standards, and applicable regulations.

The ideal candidate brings a strong service mindset, analytical skills, and the ability to develop productive relationships with independent insurance agents while balancing sound risk selection with profitable business growth.

Key Responsibilities

Evaluate, review, and underwrite new business submissions within established underwriting authority, using available information to assess risk eligibility and determine appropriate actions. Review and process policy transactions, including endorsements, cancellations, reinstatements, and other policy changes. Review property inspection reports and supporting documentation to determine continued eligibility and compliance with underwriting guidelines.

Underwrite renewal business and make appropriate non-renewal decisions based on risk characteristics, company guidelines, and applicable state regulations. Request and evaluate additional documentation needed to complete underwriting reviews and policy transactions. Build and maintain strong relationships with independent insurance agents to support new business production, account retention, and profitable growth.

Serve as a primary point of contact for agency inquiries, providing timely, accurate, and professional underwriting guidance. Assist agents with policy processing systems, rating and quoting procedures, underwriting guidelines, products, and coverage questions. Deliver responsive, solutions-oriented service consistent with Heritage Companies' values and service standards.

Collaborate effectively with Underwriting, Operations, Product Management, Claims, and Sales to support business objectives and resolve issues. Identify opportunities to simplify processes, improve the agency experience, and remove barriers to doing business with the Company. Exercise sound judgment and discretion when evaluating risks, making underwriting decisions, and resolving operational issues.

Maintain accurate documentation and comply with applicable federal and state regulations, company policies, and underwriting procedures. Participate in special projects and perform other related duties as assigned.

Qualifications

and Experience 1–2 years of experience in policy-level underwriting and agency service within the Property & Casualty insurance industry; personal lines property experience preferred. Working knowledge of personal lines underwriting principles, policy provisions, and risk evaluation practices. Proficiency with Microsoft Office applications.

Strong customer service skills and a demonstrated commitment to responsive agency support. Excellent written and verbal communication and interpersonal skills. Strong analytical, problem-solving, and decision-making abilities. High attention to detail and accuracy, with excellent organizational and time-management skills.

Ability to work independently in a fast-paced environment, manage competing priorities, and meet deadlines. A collaborative, team-oriented approach and a commitment to maintaining positive working relationships. Sound judgment, professionalism, and the ability to handle sensitive information appropriately.

What We Offer

At Heritage Companies, we recognize that our employees are essential to our success. We offer: Competitive compensation aligned with experience and qualifications. Comprehensive benefits to support your health and well-being. Opportunities for professional development and continued growth within the insurance industry.

A collaborative work environment that values teamwork, accountability, and service excellence. The opportunity to make a meaningful contribution to a super-regional coastal P&C carrier and its agency partners. Equal Employment Opportunity Heritage Companies is an Equal Opportunity Employer committed to fostering an inclusive and respectful workplace.

Employment decisions are made without regard to race, color, religion, national origin, ancestry, age, sex, pregnancy, sexual orientation, gender identity or expression, marital status, disability, genetic information, veteran status, or any other status protected by applicable federal, state, or local law. This job description is intended to describe the general nature and level of work performed in this position.

It is not an exhaustive list of all duties, responsibilities, or qualifications. Management reserves the right to modify or assign additional duties as business needs require, consistent with applicable law.