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Commercial Insurance Rater Jobs in Georgia (NOW HIRING)

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Commercial Insurance Rater information

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 in Georgia are hiring for Commercial Insurance Rater jobs?

Cities in Georgia with the most Commercial Insurance Rater job openings:

Infographic showing various Commercial Insurance Rater job openings in Georgia as of August 2026, with employment types broken down into 97% Full Time, and 3% Contract. Highlights an 77% In-person, 5% Hybrid, and 18% Remote job distribution.

Commercial Building Insurance Loss Control Expert

Atlanta, GA • On-site

Amalgamated Insurance Underwriters
Insurance Services • 1 - 10 employees
Learn more about Amalgamated Insurance Underwritersexternal

Full-time

Re-posted 16 days ago

Job description

Company Description

Amalgamated Insurance Underwriters is a young, rapidly growing and successful property and casualty insurance wholesaler. We market exclusively to retail agencies across the US and have developed a niche habitational program with a unique selling proposition.
Our niche product holds a strong position in the marketplace as:
Our exclusive property program is limited to well-managed multi-family properties.
Our rates are 15% - 2% below market, quoting and binding is superfast and easy, and coverage is provided by Lloyd's of London.
Our growth is driven by building relationships with commercial P&C insurance agents across the country.
Our program has literally been selling itself (with 23,000 units in the first year and growing).

Job Description

Are you a loss control expert, building engineer, building inspector or contractor looking to put your knowledge to work working with property owners across the country? Are you looking for a change of pace and an opportunity to work on a consulting basis with new challenges every day?
We are looking for someone with real, hands on and practical best practice and building knowledge experience to serve as a loss control expert for our clients. Our clients are landlords of garden style apartments who are looking to ensure their property stays safe and in superb condition who partner with us to gain access to below market insurance rates for their best practice certified properties.
You will act as the go to Loss Control expert and will work with clients to focus on the implementation of loss control solution specific to their property and their environment. You will use your deep experience to provide custom insight to building owners to give them a superb advantage in ensuring that their property remains in good repair and in use.
Responsibilities

  • Serve as a Subject Matter Expert regarding building and construction best practices, safety measures and loss control mitigation techniques for potential and existing customers as well as management.
  • Produce safety surveys, safety audits, and reports of loss control
  • Evaluate client properties, identify exposures to loss and make clear recommendations to mitigate those risks.
  • Consult - on a case by case basis - with landlords and produce tailored loss control solutions for individual properties and portfolios.
  • Maintain a very strong base of knowledge regarding the latest loss mitigation techniques,staying current with industry trends and expert insights.
  • Develop specifications and requirements for potential customers to enter our program.
  • Follow up to ensure that scope of work agreements have been satisfied.
Qualifications

Requirements

  • Deep (8+ years) of practical building and / or inspection and best practice experience (we are looking for someone who knows what works in the field- not just what is taught in a textbook).
  • Knowledge of commercial lines underwriting and loss control concepts
  • Prior experience conducting surveys or evaluations on commercial property a strong plus.
  • A willingness to travel to client sites (at least 10 days per month)
  • Excellent interpersonal skills as you will be consulting with different types of clients from different locales and cultures.
  • A Certificate in Safety Management (CSM) or Certified Safety Professionals (CSP) is preferred though not required.
Additional Information


This position can be based across the United States (proximity to a large airport hub is helpful as the candidate will travel extensively.

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