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Agency Underwriter Jobs (NOW HIRING)

First American

$148K - $198K/yr

First American's Agency Division is dedicated to providing our policy-issuing agents with resources, services and underwriting guidance needed to achieve new levels of success. Since 1889, First ...

First American

$148K - $198K/yr

First American's Agency Division is dedicated to providing our policy-issuing agents with resources, services and underwriting guidance needed to achieve new levels of success. Since 1889, First ...

PGIM

PGIM Real Estate -Agency Underwriter

Arlington, VA · On-site

$135K - $145K/yr

We are seeking an Investment Associate, Agency Underwriter to join our Agency Lending business. As a member of the multifamily underwriting team, this role plays a critical part in managing loan ...

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All JobsAgency Underwriter Jobs

Agency Underwriter information

See salary details

$32.5K

$78.9K

$139.5K

How much do agency underwriter jobs pay per year?

As of Aug 10, 2026, the average yearly pay for agency underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

Is it hard to get a job in agency underwriting?

Getting a job as an agency underwriter can be competitive, often requiring relevant experience in insurance or risk assessment, along with strong analytical skills. Many employers prefer candidates with industry certifications such as CPCU or ARM and a solid understanding of underwriting software. Entry-level positions may be available, but advancing typically requires demonstrated expertise and sometimes a professional license.

What are the key skills and qualifications needed to thrive as an agency underwriter, and why are they important?

To thrive as an Agency Underwriter, you need strong analytical abilities, attention to detail, and a firm grasp of insurance principles, typically supported by a degree in finance, business, or a related field. Familiarity with underwriting software, risk assessment tools, and industry certifications such as CPCU or AU is often expected. Excellent communication, negotiation, and decision-making skills help build relationships with agents and ensure sound judgment. These skills are essential for accurately evaluating risk, maintaining profitable portfolios, and fostering effective collaboration between agencies and insurance carriers.

How does an agency underwriter typically collaborate with agents and brokers during the policy underwriting process?

An Agency Underwriter frequently works closely with insurance agents and brokers to evaluate risks, clarify policy details, and ensure all necessary information is collected for accurate underwriting decisions. This collaboration often involves regular communication to discuss client needs, review documentation, and negotiate policy terms or adjustments. Maintaining effective relationships with agents and brokers is key to ensuring both compliance with company guidelines and delivering excellent customer service. Open and proactive communication helps address challenges quickly and supports successful policy issuance.

Do agency underwriters make a lot of money?

Agency underwriters typically earn a median annual salary that varies by experience, location, and employer, with many earning between $50,000 and $100,000. Higher salaries are common for those with advanced certifications, specialized knowledge, or managerial roles, and the job often requires strong analytical skills and knowledge of insurance policies.

What is the difference between Agency Underwriter vs Insurance Underwriter?

AspectAgency UnderwriterInsurance Underwriter
CredentialsTypically requires a bachelor's degree in finance, business, or related field; industry certifications like CPCU are commonSimilar credentials; often holds CPCU, ARM, or other insurance-specific certifications
Work EnvironmentWorks primarily within insurance agencies or brokerages, evaluating policies for clientsWorks within insurance companies, assessing risk and approving or denying policies
Employer & Industry UsageUsed by insurance agencies, brokers, and independent agentsEmployed by insurance carriers and companies

While both roles involve evaluating insurance risks, Agency Underwriters focus on assessing policies within agencies or brokerages, often working closely with clients. Insurance Underwriters operate within insurance companies, making underwriting decisions on policies for the insurer. The roles share similar credentials and industry usage but differ mainly in their work environment and employer type.

Can I become an agency underwriter with no experience?

Agency underwriters typically need some background in insurance, finance, or related fields, but entry-level positions may be available for candidates with strong analytical skills and a willingness to learn. Gaining relevant certifications or completing training programs can improve chances of starting in this role without prior experience.

What is an agency underwriter?

Agency underwriters are professionals who evaluate and assess risks for insurance policies handled by agents or brokers on behalf of an insurance company. They review applications, analyze documentation, and determine whether to approve coverage and on what terms. Their role is crucial in ensuring that the insurance company only takes on acceptable levels of risk, thereby helping maintain the company's profitability and compliance with regulatory standards.
More about Agency Underwriter jobs
What states have the most Agency Underwriter jobs? States with the most job openings for Agency Underwriter jobs include:
What job categories do people searching Agency Underwriter jobs look for? The top searched job categories for Agency Underwriter jobs are:
Agency Underwriter jobs near you
Infographic showing various Agency Underwriter job openings in the United States as of August 2026, with employment types broken down into 100% Full Time. Highlights an 75% In-person, 8% Hybrid, and 17% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Agency Underwriter

People's Trust Insurance

Deerfield Beach, FL • Hybrid

Full-time

Re-posted 15 days ago

Job description

As an Agency Underwriter, you will be responsible for communicating directly with People’s Trust Agency Partners regarding company directives, underwriting decisions, guidelines, and requirements through phone queues and email correspondence. You will have the opportunity to evaluate and determine an appropriate course of action for new business submissions, reinstatement requests, endorsements and policy changes, and address billing inquiries.
Essential Duties and Responsibilities:
  • Effectively communicate with agents regarding a variety of underwriting questions pertaining to new business submissions, reinstatements, inspections, policyholder communications, billing information, cancellations, endorsement requests, and required documents.
  • Function in a team environment and share in responsibility for incoming calls.
  • Work independently and manage changing priorities effectively.
  • Ensure timely processing in a fast-paced environment.
  • Proactively resolve issues with strong skills in problem-solving and resourcefulness.
  • Understand new and renewal business guidelines for proper risk selection and policy eligibility.
  • Ability to assess information from a variety of sources and make sound underwriting decisions to reduce unnecessary exposure.
  • Proficiency in reviewing required policy documentation for accuracy and acceptability.
  • May handle special projects and perform other duties and responsibilities as assigned.
Qualifications and Skills:
The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.
  • A minimum of a high school graduate or GED is required; a Bachelor's or Associate's Degree is preferred.
  • Two years minimum experience in Property amp; Casualty insurance or relevant experience or equivalent combination of education and experience.
  • Must possess a 4-40 Customer Service Representative, 2-20 General Lines, or 20-44 Resident Personal Lines License. Professional certifications and designations are beneficial.
  • Proficiency with Microsoft Office programs and online search skills required.
  • Desire to contribute to a positive work environment.
  • Strong communication skills both verbally and in writing. Ability to interact on a professional level with agents and policyholders.
  • Exhibits critical thinking and analytical skills with high attention to detail.
  • Resourceful and skilled in working independently to carry out assignments to completion.
  • Ability to develop judgement and assess risk.
  • Able to work extended/additional hours during storm season, if necessary.
  • Maintains the integrity of the company and provides exceptional, best-in-class customer service.

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