Why CIG?

At Capital Insurance Group we offer our employees more than just a job. We foster career growth, provide opportunities to give back to our communities, and help you take the next step in your career!

CIG was founded in 1898 by a group of earnest farmers in need of protection and today, we are the leading West Coast Property & Casualty insurer. CIG is certified as a Great Place to Work and provides a collaborative, inclusive, and fun work culture for all employees.

Why Choose CIG’s Personal Lines Underwriting Team?

This is your perfect opportunity to join a company that is building momentum with our independent agents and protecting the dreams and assets of our policyholders. Join the CIG Underwriting team in helping build a safer world where dreams soar!

Learn more about what it means to be a Sr. Personal Lines Underwriter HERE!

Benefits

• Accrue eighteen days of Paid Time Off during your first year
• Up to eighty-seven percent of benefits covered by CIG for you and your family members
  • Medical, dental, vision plans
• One hundred percent covered plans
  • Basic Life & AD&D
  • Employee Assistance
  • Leave Management
  • Long Term Disability
  • Short Term Disability (Outside of CA)
• Voluntary benefit offerings
  • Short-term (CA only)
  • Voluntary Life AD&D self, spouse and child plans
  • Flexible Spending
  • Health Savings (HSA)
  • Hospital Indemnity
  • Accidental Injury
• Nine paid holidays, plus two floating holidays
• Above and Beyond Reward Recognition Program
  • Kudos & Shout Out Points Program
  • Quarterly Above and Beyond Bonus Program
  • Annual Above and Beyond Bonus Program
• Competitive compensation
  • Base compensation
  • Salary Management Spot Bonuses
  • Annual Incentive/Profit sharing program, potential payout annually based on company results.
• Discount partnerships
  • Gym memberships, travel, shopping, restaurants, theme parks, and more
• Insurance Educational reimbursement and bonus programs
• Employee Referral Bonus Program
• You have a voice! You are encouraged to share your voice through multiple channels, get involved with our Employee Experience and DEI committees to drive and continue the health and wellbeing of our organization for everyone.
• Home and Auto Insurance Discount Program.
• Paid Volunteer Time – Through company planned community events and choose your own adventure PVT in giving back in ways that are meaningful to you!
• Retirement savings benefit (401k and Roth + match)
• Wellness and mental health incentive programs
  • Wellness platform, tools and events
  • Health Savings Account – match

Work Environment & Format

The Personal Lines – Senior Underwriter position can be filled from either our office locations in Monterey, CA, or Reno, NV.

Job Overview

The primary role of this position is to review and analyze Personal Lines insurance submissions, applications and renewal business within established underwriting guidelines and procedures for our Personal Auto, Homeowner, Dwelling Fire and Personal Excess portfolio. Additionally, the Senior Underwriter will contribute to underwriting profitability by working with the Product and Sales departments on special projects, agency management and profitability as the opportunity arises.

Requirements

• Advanced knowledge of underwriting concepts, practices, and procedures, as well as knowledge of personal insurance lines of business including product features, forms, regulatory environments, and risks.
• Analytical and quantitative skills. Ability to exercise judgement, negotiate, and make sound decisions effectively.
• Demonstrated technical expertise and product specific knowledge with experience in handling all Personal Lines coverages.
• Excellent proficiency in MS Office Suite, specifically Excel, Word, and Outlook. Knowledge of other Microsoft programs a plus.
• Must have good verbal and written communication skills.
• Strong process orientation, excellent interpersonal skills, and collaboration skills.
• Demonstrated ability to complete complex underwriting assignments.
• Ability to be creative and adaptable in a changing business environment.
• Detail oriented and ability to multi-task while meeting deadlines and achieving expected levels of quality and accuracy.
• Technical proficiency in underwriting/rating systems.
• Bachelor’s degree is preferred, or the equivalent of education and insurance experience.
• Six (6) plus years of experience in Personal Lines underwriting.
• CPCU or comparable designations preferred, as is a commitment for continuing insurance education.
• Occasional travel, which may require overnight stays.

Salary Range: $60,122 - $99,201

The salary range listed here has been provided to comply with local regulations and represents a potential base salary range for this role. Please note that actual salaries may vary within the range above or below, depending on experience and location. We look at compensation for each individual and base our offer on your unique qualifications, experience, and expected contributions. This position may also be eligible for other types of compensation in addition to base salary, such as benefits and bonus programs.