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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 15, 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 Insurance Assistant

Garden Grove, CA

101 Insurance Group
Insurance Services • 1 - 10 employees
Learn more about 101 Insurance Groupexternal

$18 - $19/hr

Full-time

Posted 22 days ago

Job description

Location: Garden Grove, CA

Work Location: 100% In-Office


About the Role:

101 Insurance Group is looking for a motivated Commercial Insurance Assistant to join our independent retail insurance agency in Garden Grove. In this role, you will play a vital part in supporting our agency by helping us service both new and existing clients. If you are a positive professional looking to grow your career in insurance, we want to hear from you!


What We Are Looking For:

  • Education: High School Diploma or equivalent required (Associate or Bachelor’s degree is a plus).
  • Tech-Savvy: Proficient in Microsoft Office (Outlook, Excel and Word) with the ability to quickly learn and navigate insurance databases, carrier portals, and agency management systems.
  • Communication: Strong professional phone presence and clear, accurate written communication skills.
  • Detail-Oriented & Organized: Exceptional attention to detail, strong organizational habits, and the ability to manage multiple tasks simultaneously.
  • Basic Math Skills: Comfort with basic arithmetic is required, as you will frequently review financial figures and premiums.
  • Team Player: A reliable, consistent professional who thrives in a collaborative, 100% in-office team environment.
  • Mindset: A positive attitude, a willingness to be coached, and a strong sense of accountability.
  • Experience: Prior experience in an office, administrative, or customer service role is preferred. Insurance experience is a bonus, but we are willing to train the right person!


Key Responsibilities:

  • Underwriting Support: Assist Senior Underwriters with daily administrative tasks, including processing endorsements, certificates, audits, inspections, and policy renewals.
  • Client Liaison: Facilitate smooth and professional communication between clients and insurance companies to resolve inquiries and gather information.
  • Data Management: Maintain accurate, up-to-date, and organized client records within our agency systems.
  • Workflow Efficiency: Track deadlines and follow up on outstanding documents to ensure timely account processing


What We Offer:

  • Paid Training: No prior insurance experience is required. We will fully train the right candidate who has a strong work ethic, positive attitude, and a desire to learn the commercial insurance industry.
  • Referral Commission: Earn extra income! Opportunity for additional commission on client referrals.
  • Life Insurance: Company-provided life insurance coverage for your peace of mind.
  • Career Growth: Learn the industry from the ground up with a supportive, stable team.


We look forward to reviewing your application! Please submit your resume and a brief cover letter explaining why you are a great fit for our team. Thank you!


101 Insurance Group is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.


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