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Commercial Insurance Rater Jobs (NOW HIRING)

EIG Insurance Center

Commercial Insurance Rep

Wichita, KS · On-site

$80K - $100K/yr

As an independent agency, we partner with over 30 top-rated carriers, giving our clients tailored ... Manage commercial insurance accounts - Oversee policy renewals, coverage updates, and client ...

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Commercial Insurance Rater information

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$31K

$58.2K

$86.5K

How much do commercial insurance rater jobs pay per year?

As of Sep 14, 2026, the average yearly pay for commercial insurance rater in the United States is $58,198.00, according to ZipRecruiter salary data. Most workers in this role earn between $48,000.00 and $66,500.00 per year, depending on experience, location, and employer.

What is a commercial insurance rater?

Commercial Insurance Raters are professionals who analyze data and apply underwriting guidelines to determine the appropriate premium rates for commercial insurance policies. They review applications, assess risks, and use specialized software to calculate costs for coverage such as property, liability, or workers’ compensation. Their work ensures that insurance companies charge fair and accurate premiums while minimizing financial risk. Raters often work closely with underwriters, agents, and brokers to provide accurate quotes for businesses seeking insurance.

What are the main challenges a commercial insurance rater faces when evaluating complex business risks?

One of the main challenges for a Commercial Insurance Rater is accurately assessing diverse and often complex business risks across various industries. This requires staying up-to-date with underwriting guidelines, regulations, and market trends, as well as interpreting detailed information from applications and supporting documents. Raters must collaborate closely with underwriters, agents, and sometimes clients to clarify uncertainties and ensure that pricing is both competitive and aligned with the insurer’s risk appetite. Managing multiple cases simultaneously while maintaining attention to detail is also a key challenge in this fast-paced environment.

What are the key skills and qualifications needed to thrive as a commercial insurance rater, and why are they important?

To thrive as a Commercial Insurance Rater, you need strong analytical skills, attention to detail, and a solid understanding of insurance principles, often supported by relevant industry experience or coursework. Familiarity with rating software, underwriting systems, and knowledge of regulatory compliance are typically required, with certifications like AINS or CPCU being advantageous. Exceptional organizational skills, accuracy, and effective communication help in collaborating with underwriters and agents. These competencies ensure accurate risk assessment and pricing, which are critical for profitability and client satisfaction in the insurance industry.

What is the difference between Commercial Insurance Rater vs Commercial Insurance Underwriter?

AspectCommercial Insurance RaterCommercial Insurance Underwriter
CredentialsTypically requires insurance licensing, knowledge of rating systemsRequires licensing, underwriting certifications, risk assessment skills
Work EnvironmentOffice-based, using rating software to calculate premiumsOffice or remote, evaluating risks and approving policies
Industry UsageCommonly used in insurance agencies and rating bureausUsed within insurance companies for policy approval
Search/Comparison IntentUnderstanding role differences, job requirementsComparing underwriting responsibilities and qualifications

While both roles are integral to the insurance industry, Commercial Insurance Raters focus on calculating premiums using rating systems, whereas Commercial Insurance Underwriters evaluate risks to approve or modify policies. Understanding these distinctions helps job seekers and employers align expectations and qualifications.

What cities are hiring for Commercial Insurance Rater jobs?

Cities with the most Commercial Insurance Rater job openings:

What states have the most Commercial Insurance Rater jobs?

States with the most job openings for Commercial Insurance Rater jobs include:

What are popular job titles related to Commercial Insurance Rater jobs?

For Commercial Insurance Rater jobs, the most frequently searched job titles are:

Infographic showing various Commercial Insurance Rater job openings in the United States as of September 2026, with employment types broken down into 100% Full Time. Highlights an 79% In-person, 4% Hybrid, and 17% Remote job distribution, with an average salary of $58,198 per year, or $28 per hour.

Commercial Rater and Account Support Specialist

Clinton Township, MI • On-site

Tom Sokol - First Independent Insurance Agency
See more jobs at Tom Sokol - First Independent Insurance Agencyexternal

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 16 days ago

Key responsibilities

  • Quote new commercial insurance opportunities using multiple carrier platforms.

  • Prepare remarketing submissions, gather information for renewal opportunities, and assist with account service needs such as certificates, policy changes, and endorsements.

  • Work closely with producers to move prospects through the quoting and binding process, communicate with insurance carriers, and maintain accurate client and policy information.

Job description

Benefits:
  • 401(k)
  • Dental insurance
  • Health insurance
  • Opportunity for advancement
  • Paid time off
  • Training & development
  • Vision insurance

First Independent Agency | Clinton Township, MI

Help Win Commercial Business While Building Your Insurance Career
Are you detail-oriented, organized, and someone who takes pride in getting the details right? Do you enjoy working behind the scenes to help a sales team win new business?
First Independent Agency is looking for a Commercial Rater & Account Support Specialist to join our growing commercial insurance team. This is an excellent opportunity for an insurance professional who enjoys working with multiple carriers, preparing competitive quotes, and keeping opportunities moving from prospect to policy.
You'll play an important role in supporting producers while also gaining valuable exposure to commercial insurance, carrier relationships, and account management.
What You'll Do
  • Quote new commercial insurance opportunities using multiple carrier platforms.
  • Prepare remarketing submissions and gather information needed for renewal opportunities.
  • Work closely with producers to move prospects through the quoting and binding process.
  • Compare coverage, pricing, and carrier options to help prepare competitive proposals.
  • Communicate with insurance carriers regarding quotes, underwriting questions, and account requirements.
  • Follow up on outstanding information and keep opportunities moving forward.
  • Assist with certificates, policy changes, endorsements, and other account service needs.
  • Maintain accurate client and policy information in the agency management system.
  • Help ensure policies are issued and documented accurately and on time.
  • Provide general administrative and account support to the commercial team.
What We're Looking For
The ideal candidate is organized, responsive, detail-oriented, and comfortable managing multiple priorities.
  • Commercial insurance experience required.
  • Familiarity with insurance rating platforms and agency management systems is a plus.
  • Strong attention to detail and accuracy.
  • Excellent written and verbal communication skills.
  • Strong follow-up and time-management abilities.
  • Comfortable working with multiple insurance carriers and technology platforms.
  • Ability to prioritize tasks in a fast-paced environment.
  • Team-oriented attitude with a willingness to jump in and help.
  • Professional, dependable, and motivated to grow.
Why Join First Independent Agency?
At First Independent Agency, you'll be an important part of a team where your work directly contributes to winning and retaining commercial business. You'll have the opportunity to develop your insurance knowledge, work alongside experienced professionals, and grow your career within an independent agency environment.
The Details
Full-time | Monday–Friday | Onsite in Clinton Township, MI
Competitive salary based on experience; open to discussion with candidate.

This is an in-office position; remote work is not available.
If you're an organized insurance professional who enjoys solving problems, supporting producers, and helping turn opportunities into successful accounts, we'd love to hear from you.

Apply today and join the commercial team at First Independent Agency!