Personal Lines Underwriter

Personal Lines Underwriter

Bring your sharp underwriting skills, client focus, and love of order to a role where personal lines insurance really comes to life. This is all about balancing solid risk assessment with friendly, professional service – and making sure every policy is spot on, every time.

Core Responsibilities

• Underwriting and Quotations
• Handle end-to-end underwriting and quotation work across the personal lines portfolio.
• Obtain quotations from insurers or prepare them under binder agreements
• Process quotations for amendments, additions, new business, and rebroke cases
• Provide clear, confident recommendations to clients and advisors
• Support and guide Junior Underwriters with complex or unusual cases

New Business Administration

• Keep new business flowing smoothly with accurate, timely policy setup.
• Capture and issue new policies on the relevant systems
• Request policy issuance from insurers and verify all details on receipt
• Prepare and distribute closing documentation to clients
• Confirm premiums and deduction dates with precision
• Process broker appointments in line with internal procedures
• Policy Maintenance and Amendments
• Make sure every policy stays current, relevant, and correctly documented.
• Action policy amendments from clients, advisors, or insurers
• Implement changes arising from renewal discussions
• Issue confirmations of cover for all relevant changes
• Distribute updated schedules and supporting documentation
• Premium and Cancellation Management
• Keep the premium and cancellation side of the book running like clockwork.
• Manage unpaid premiums in line with company procedures
• Process cancellations and communicate decisions to clients and advisors
• Maintain accurate, auditable cancellation records and confirmations
• Client and Advisor Support
• Act as a trusted insurance partner for clients, advisors, and insurers.
• Handle insurance-related queries professionally and promptly
• Build and maintain strong working relationships across stakeholders
• Deliver consistent, high-quality customer service in every interaction
• Workflow and Task Management
• Stay on top of a busy desk without missing a beat.
• Manage incoming and outgoing correspondence
• Create, update, monitor, and finalise tasks within workflow systems
• Maintain detailed records of all interactions and actions taken
• Meet all service level agreements and turnaround times

Team Support

• Add value beyond your own portfolio by lifting those around you.
• Mentor and support Junior Underwriters when needed
• Contribute to training and development within the team
• Assist with ad hoc projects and duties within the scope of the role

Requirements

• Grade 12 / Matric (NQF Level 4)
• RE5 Qualification – essential
• Minimum 5 years’ experience in the Short-Term Insurance industry
• Solid track record in personal lines underwriting
• Strong knowledge of short-term products, policy admin, and underwriting principles
• Confident risk assessment abilities and sound decision-making
• Excellent verbal and written communication skills
• Strong customer service orientation and relationship-building skills
• High attention to detail with superb accuracy
• Able to manage multiple priorities and work independently
• Strong administrative and organisational skills
• Proficiency in insurance systems and Microsoft Office applications
• Step into a personal lines underwriting role where technical skill, client care, and smooth operations all come together beautifully.