Nationwide
Associate Underwriter - Personal Lines (Remote - WFH)
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If you’re passionate about helping people protect what matters most to them at a Fortune 100 company with nearly $70 billion in annual sales, as well as innovating and simplifying processes and operations to provide the best customer value, then Nationwide’s Property and Casualty team could be the place for you! At Nationwide®, “on your side” goes beyond just words. Our customers and partners are at the center of everything we do and we’re looking for associates who are passionate about delivering extraordinary care.
We're looking for insurance professionals who combine strong customer service skills with an analytical mindset. Successful underwriters on our team build strong relationships with agents, make sound underwriting decisions, and help drive profitable growth while delivering an exceptional customer experience.
What We're Looking For
- Insurance industry experience preferred
- Prior underwriting experience is helpful but not required
- Strong customer service and relationship-building skills
- Ability to analyze risk, make decisions, and manage competing priorities
- Backgrounds in claims, service, or other insurance-related roles are often a strong fit
Training & Schedule
- Structured virtual training program lasting 6 weeks.
- Training schedule is generally Monday–Friday, 8:30 AM – 5:00 PM EST.
- After training, schedules will be normal business hours, such as 8:00 AM - 4:30 PM - OR - 8:30 AM - 5:00 PM
- This is a remote position
Key Responsibilities
- Underwrite new and renewal Personal Lines business within authority
- Evaluate risks and make underwriting decisions based on company guidelines
- Build and maintain strong relationships with independent agents
- Partner with Sales, Claims, and other internal teams to support agency success
- Provide exceptional service while balancing quality, efficiency, and production expectations
This is a great opportunity for individuals looking to grow their underwriting career. #LI-JJ1 #LI-Remote
Job Description Summary
Success on our team requires a blend of customer service skill and analytical prowess. Each account we work on is interesting and challenging. Satisfaction comes from finding solutions that provide the best coverage and give our partner agents a way to differentiate themselves from the competition. If you are adaptable, responsive, love customers and really want to make a difference, we want to hear from you!
As an Associate Underwriter, you will perform case underwriting activities (new and renewal policies) in support of more senior underwriters. Under close supervision and guidance, works within narrowly defined limits and authority on assignments of low complexity. You may also assist with projects and research by performing a piece of the overall work in support of more senior staff. We'll count on you to apply underwriting rules and guidelines, rating manual rules, and insurance laws and regulations to policy decision making.
Job Description Key Responsibilities:
- Gathers information from multiple sources according to company guidelines in order to support underwriting analysis.
- May require gathering verbal information or data through reports or other electronic means.
- Reviews individual risks for acceptability and handles those within authority based on company underwriting guidelines and standards.
- May perform analysis for others or in support of higher level underwriters.
- Completes assigned underwriting transactions and tasks within established time and service standards.
- Strives to complete all transactions in a first time final mode.
- Makes decisions to accept, modify or decline personal lines business of lower complexity in accordance with policies, practices, and standards.
- Determines the proper classification of risks to ensure the matching of price and product to the customer.
- Plans completion of assignments to meet agreed upon timelines and service level agreements.
- Consults with agents and internal partners.
- Recommends opportunities for business development and service capabilities.
- May participate in the management of agency performance as part of the underwriting team.
- Responds to requests with resolution within established time and service standard.
- Routes calls and higher level issues to appropriate individuals.
- May assists higher level underwriters with agency support activities.
- Participates in training classes, department and company meetings.
- May perform other responsibilities as assigned.
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Reporting Relationships:
- Reports to Supervisor or Manager; no direct reports
Typical Skills and Experiences:
Education:
- High school diploma or equivalent work experience.
- Bachelor's degree preferred.
Experience:
- Two years related insurance experience preferred.
- Will consider undergraduate degree in lieu of experience.
Knowledge, Abilities and Skills:
- Standard business policies, practices and procedures.
- General understanding of basic analytical and financial techniques preferred.
- Good verbal and written communication skills necessary to interact with all levels of internal and external contacts.
- Ability to recognize problems, determine appropriate action and implement solutions.
- Ability to prioritize own work/time.
- Ability to use PC and learn/use applicable systems.
- Ability to understand, perform and become proficient with automated and manual transactions.
Other criteria, including leadership skills, competencies and experiences may take precedence.
Staffing
Exceptions to the above Minimum Job Requirements must be approved by the:
- hiring manager’s leader and HRBP.
Values:
Regularly and consistently demonstrates Nationwide Values.
Job Conditions:
Overtime Eligibility:
- Eligible (Non Exempt)
Working Conditions:
- Normal office environment.
- Limited travel may be required.
- Overtime as required (non-exempt).
ADA:
The above statements cover what are generally believed to be principal and essential functions of this job. Specific circumstances may allow or require some people assigned to the job to perform a somewhat different combination of duties.
We currently anticipate accepting applications until 07/24/2026. However, we encourage early submissions, as the posting may close sooner if a strong candidate slate is identified before the deadline.
Benefits
We have an array of benefits to fit your needs, including:
- medical/dental/vision
- life insurance
- short and long term disability coverage
- paid time off with newly hired associates receiving a minimum of 18 days paid time off each full calendar year pro-rated quarterly based on hire date
- nine paid holidays
- 8 hours of Lifetime paid time off
- 8 hours of Unity Day paid time off
- 401(k) with company match
- company-paid pension plan
- business casual attire, and more.
To learn more about the benefits we offer, click here.
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Nationwide is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive culture where everyone feels challenged, appreciated, respected and engaged. Nationwide prohibits discrimination and harassment and affords equal employment opportunities to employees and applicants without regard to any characteristic (or classification) protected by applicable law.
This position could be filled within any of the lower 48 U.S. states.
Smoke-Free Iowa Statement: Nationwide Mutual Insurance Company, its affiliates and subsidiaries comply with the Iowa Smokefree Air Act. Smoking is prohibited in all enclosed areas on or around company premises as well as company issued vehicles. The company offers designated smoking areas in which smoking is permitted at each individual location. The Act prohibits retaliation for reporting complaints or violations. For more information on the Iowa Smokefree Air Act, individuals may contact the Smokefree Air Act Helpline at 888-944-2247.
For NY residents please review the following state law information: Notice of Employee Rights, Protections, and Obligations LS740
NOTE TO EMPLOYMENT AGENCIES: We value the partnerships we have built with our preferred vendors. Nationwide does not accept unsolicited resumes from employment agencies. All resumes submitted by employment agencies directly to any Nationwide employee or hiring manager in any form without a signed Nationwide Client Services Agreement on file and search engagement for that position will be deemed unsolicited in nature. No fee will be paid in the event the candidate is subsequently hired as a result of the referral or through other means.
Nationwide pays on a geographic-specific salary structure and placement within the actual starting salary range for this position will be determined by a number of factors including the skills, education, training, credentials and experience of the candidate; the scope, complexity and location of the role as well as the cost of labor in the market; and other conditions of employment. If a Sales job, Sales Incentives, based on performance goals are possible in addition to this range.
Note on Compensation for Part-Time Roles: Please be aware that the salary ranges listed below reflect full-time compensation. Actual compensation may be prorated based on the number of hours worked relative to a full-time schedule.
The national salary range for Associate Underwriter - Personal Lines: $46,345.00-$75,500.00
The expected starting salary range for Associate Underwriter - Personal Lines: $46,345.00 - $60,800.00
At Nationwide, we find purpose in protecting people, businesses and futures with extraordinary care – and we’ve been doing that since 1926. Our financial strength and caring culture extend beyond our associates into the communities we serve. You really can feel the difference at Nationwide, which is why we continue to be named one of the Fortune 100 Best Companies To Work For. Check out why others think we're a great place to work, too, and let us know – can you see yourself at Nationwide?
Nationwide is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive culture where everyone feels challenged, appreciated, respected and engaged. Nationwide prohibits discrimination and harassment and affords equal employment
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