Personal Lines Underwriting Specialist

We are Farmers - where ambition meets opportunity.

At Farmers, we're not just known for unforgettable jingle - we're a team with a passion for purpose and making a real difference in people's lives. We deliver peace of mind when it matters most. Our results-driven, high-performance culture thrives on creativity, accountability and bold solutions. Here, growth isn't just a goal - it's a way of life for both the organization and every individual on our team. We tackle challenges head-on, learn from every experience and measure our impact on the customers who trust us.

Join an award-winning, equal opportunity employer, where you'll find more than a job - you'll find a supportive community. Enjoy competitive benefits, take part in meaningful volunteer projects, and help shape the future alongside talented colleagues across all backgrounds. At Farmers, helping others is at the heart of what we do.

Ready to make your mark? Discover our vibrant culture and explore career opportunities at www.Farmers.com/careers/corporate. Connect with us on Instagram, LinkedIn and TikTok, and let's build something incredible together!

Workplace: Hybrid ( #LI-Hybrid ), Remote ( #LI-Remote )

Farmers believes in a culture of collaboration, creativity, and innovation, which thrives when we have the ability to work flexibly in a virtual setting as well as the opportunity to be together in person. Our hybrid work environment combines the best of both worlds with at least three (3) days in office and up to two (2) days virtual for employees who live within fifty (50) miles of a Farmers corporate office. Applicants beyond fifty (50) miles may still be considered.

Job Summary

Supports personal lines underwriting policies, procedures, practices, rules and other criteria to accomplish Underwriting objectives; recommends and implements programs designed to provide continuous analysis of personal lines underwriting.

Essential Job Functions

• Initiates, researches, recommends, implements and evaluates projects to support auto, fire and Umbrella underwriting guidelines and initiatives.
• Conducts analysis monitoring of results and trends of existing programs.
• Evaluates, recommends and implements outside investigation tools to validate information while increasing the return on the tools used. Initiates, researches, recommends, implements and evaluates standalone auto, fire and Umbrella expert systems changes to support underwriting guidelines.
• Recommends and implements system changes to improve agent and service center efficiency.
• Acts as a liaison with other business units/partners to facilitate communication and ensure that any new projects are in alignment with operational objectives and direction.
• Represents Underwriting on cross-functional projects.
• Prepares detailed requirements for systems implementation projects.
• Stays abreast of industry developments.
• Promotes safety at all times and complies with safety/ergonomic standards as outlined in relevant company published manuals.
• Performs other duties as assigned.

Key Skills

• Brings a strong Personal Lines insurance foundation across Auto, Home, and Umbrella, with the ability to apply underwriting judgment to evolving business needs.
• Reviews existing underwriting processes, guidelines, and workflows to identify gaps, challenge assumptions, and recommend practical improvements.
• Thinks strategically about current and future underwriting direction, helping shape solutions beyond day-to-day execution.
• Collaborates across underwriting, product, operations, technology, and compliance to support aligned and scalable underwriting practices.
• Connects insights across lines of business to promote consistency, operational effectiveness, and broader enterprise impact.

Education Requirements

• High School Diploma or equivalent required. Bachelors degree preferred.
• IIA Certificate in General insurance and actively pursuing CPCU or other FIG approved educational programs preferred.

Experience Requirements

• Experience in Personal Lines underwriting, underwriting operations, product, or underwriting strategy preferred.
• Proven experience implementing strategic initiatives across Auto, Home, and/or Umbrella to improve risk selection, consistency, and business outcomes preferred.
• Working knowledge of Auto, Home, and Umbrella products, guidelines, eligibility, and risk selection practices preferred.
• Demonstrated ability to evaluate processes, identify improvement opportunities, and support change initiatives preferred.
• Strong business judgment with the ability to balance risk management, customer experience, profitability, and operational efficiency preferred.
• Effective communication and collaboration skills, including the ability to influence partners and present recommendations clearly preferred.

Additional Qualification

Demonstrated analytical skills. Ability to analyze datasets and develop meaningful insights. Proficient in English written and verbal communication skills. Demonstrated time management and priority setting skills. Excellent collaboration and team building skills. Possesses strong technical aptitude. Excellent organizational skills.

Physical Actions

Job is performed in-person at a Farmers office or virtually at an approved alternative work location. Job may include work performed at field locations. The physical work environment is indoors and climate-controlled with adequate lighting and ventilation. Normal and customary distractions include background noise produced by office equipment and chatter among people, as well as interruptions. Field work performed outdoors may include exposure to weather elements. Frequently sits or stands for prolonged periods of time, up to a full shift. Occasionally moves about the workplace including navigating stairs, ramps, and level or uneven surfaces. Occasionally moves, pushes, pulls, lifts, carries, and places objects or materials weighing up to 50 pounds without assistance. Frequently uses shoulders, arms, hands, and fingers to manipulate equipment, tools, and objects necessary to perform job duties. Frequently performs fine motor tasks such as typing, mousing, or writing, up to a full shift. Occasionally performs movements such as bending, stooping, crouching, kneeling, twisting, and reaching overhead or below the knees. Possesses clear vision, with or without correction, to visually read and verify information. Relies on depth perception and peripheral vision to navigate the work environment visually by identifying barriers, changes in terrain and locating objects. Possesses adequate hearing, with or without correction, to communicate with co-workers, respond promptly to auditory signals or alarms, and discern sounds essential for maintaining safety and productivity in the workplace. Jobs in this category may require regular travel between Farmers offices, alternative work locations, and/or field locations.

Benefits

• Farmers offers a competitive salary commensurate with experience, qualifications and location.

o CA Only: $81,375 - $137,940

o CO & ME: $76,275 - $119,350

o HI/IL/MN/VT Only: $76,275 - $127,490

o MA Only: $76,275 - $127,490

• o MD & VA: $76,275 - $127,490

o DC/NJ/NY/OH Only: $76,275 - $137,940

o Albany County, NY/Cleveland, OH: $81,375 - $119,350

o WA Only: $80,168 - $144,875

• Bonus Opportunity (based on Company and Individual Performance)
• 401(k)
• Medical
• Dental
• Vision
• Health Savings and Flexible Spending Accounts
• Life Insurance
• Paid Time Off
• Paid Parental Leave
• Tuition Assistance
• For more information, review "What we offer" on https://www.farmers.com/careers/corporate/#offer

Job Location(s): R_US - United States

Anticipated application deadline: At Farmers, the recruitment process is designed to ensure that we find the best talent to join our team. As part of this process, we typically close open positions within 8 to 21 days after posting. If you are interested in any of our open positions, we encourage you to submit your application promptly.

Farmers will consider for employment all qualified applicants, including those with criminal histories, in accordance with the Los Angeles Fair Chance Initiative for Hiring Ordinance or other applicable law. Pursuant to 18 U.S.C. Section 1033, Farmers is prohibited from employing any individual who has been convicted of any criminal felony involving dishonesty or a breach of trust without prior written consent from the state Department of Insurance.

It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.

Farmers is an Equal Opportunity Employer and does not discriminate in any employer/employee relations based on race, color, religion, gender, sexual orientation, gender expression, genetic information, national origin, age, disability, marital status, military and veterans status, or any other basis protected by applicable discrimination laws.

Want to learn more about our culture & opportunities? Check out www.Farmers.com/careers/corporate and be sure to follow us on Instagram, LinkedIn, and TikTok.

Spokane, WA only: Residents who prefer not to provide their address click here to submit your resume via email: careers@farmers.com