Company Overview
FOCUS provides cloud-based, core administration solutions (FOCUS Tech) and services (FOCUS Insurance Services) for P&C insurance companies and MGAs. Using decades of industry experience, FOCUS is taking the risk out of insurtech for small, mid-size, and growth-focused insurance organizations.
When you join FOCUS, you immediately become one of our most valued components – and we’re committed to investing in you. That means you can look beyond the paycheck and excellent benefits to an environment that will help you grow and achieve your professional goals through development and advancement opportunities and the support of our outstanding leaders and teammates.
Position Objective
The Personal Lines Underwriter III serves as the Subject Matter Expert (SME) and primary resource for underwriting-related inquiries and escalations within the department. This role is proficient in all personal lines underwriting functions, exercises the highest level of underwriting authority, and acts as a go-to expert for team members, leadership, agents, and internal partners. The Underwriter III is responsible for handling inbound calls, chats, and task assignments, assisting agents and team members with complex policy questions, bind requests, endorsements, and risk evaluations. This role also provides mentorship and guidance to junior and mid-level underwriters, supports leadership with high-value or complex risks, and contributes to process improvements and departmental excellence. By combining advanced underwriting expertise with direct communication and workflow support, the Underwriter III ensures accuracy, compliance, and superior service for both agents and internal teams.
Position Summary
Advanced Policy Underwriting & Risk 40%
Independently review, analyze, and underwrite complex personal lines applications, inspections, and endorsements.
Make high-level risk selection, pricing, and coverage decisions on complex, high-value, or unusual policies.
Evaluate borderline or high-risk exposures and provide recommendations to leadership when appropriate.
Ensure compliance with company, carrier, and regulatory underwriting standards.
Maintain proficiency in all personal lines underwriting functions and continuously expand knowledge of advanced underwriting practices.
Agent/Client Support via Phones, Chats, and Tasks 30%
Serve as the department SME for personal lines policies and underwriting practices.
Respond to agent and client inquiries via phone, chat, and task systems regarding policy forms, coverage, bind requests, endorsements, cancellations, and other transactions.
Handle escalated or complex inquiries professionally and efficiently.
Maintain strong agent relationships and provide guidance on policy submissions.
Process Improvement & Compliance 15%
Identify opportunities to enhance underwriting processes, systems, and workflows.
Participate in audits, compliance reviews, and quality improvement initiatives.
Ensure departmental adherence to internal policies, carrier guidelines, and regulatory requirements.
Professional Development & Leadership 15%
Mentor and coach junior and mid-level underwriters, promoting knowledge transfer and best practices.
Stay current with industry trends, regulatory changes, and advanced underwriting practices.
Contribute to departmental training, policy updates, and cross-functional projects.
Serve as a role model for underwriting excellence, collaboration, and customer service.
Education
Bachelor’s degree in Business, Finance, Risk Management, Insurance, or related field preferred.
Work Experience
Seven (7) or more years of personal lines underwriting experience, including homeowners and other lines; or equivalent combination of education and experience.
In-depth knowledge of insurance statutes, regulations, and policies.
Knowledge, Skill and Abilities
Advanced knowledge of Property/Casualty insurance underwriting principles and personal lines policies.
Strong analytical, decision-making,…