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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 Insurance Account Manager

Houston, TX • On-site

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

Full-time

Medical, PTO

Re-posted 18 days ago

Job description

About Us


Benchmark Insurance Group of Texas is a dynamic, fast-growing MGA and retail brokerage, specializing in the real estate, construction, and hospitality sectors. We deliver comprehensive risk management solutions, leveraging market-leading technologies to enhance underwriting, claims handling, and policy servicing. Our focus is on providing tailored coverage that empowers clients with confidence and financial protection. Built on a foundation of transparency, strategic coverage comparison, and strong, long-term relationships, we seek entrepreneurial partners who are passionate about growing with us and helping redefine the future of insurance through best-in-class service and innovation.

Your Role:As a Commercial Account Executive, you'll be an integral part of our sales team, driving growth by building strong client relationships, delivering customized insurance solutions, and contributing to Benchmark's innovative approach to commercial insurance. You will focus on acquiring, managing, and retaining key accounts while working closely with our internal teams to deliver top-tier service. If you are client-focused, results-driven, and thrive in a fast-paced, growth-oriented environment, we want you to be a part of our team.

Why Join Us?

  • Be part of a tech-forward brokerage that's revolutionizing the insurance industry.
  • Access a robust portfolio of clients in high-growth sectors.
  • Work in a supportive environment that encourages entrepreneurial thinking and professional development.
  • Have the opportunity to earn equity and grow within the organization.

Job Roles & Responsibilities


Client Acquisition & Relationship Management

  • Develop and maintain strong relationships with new and existing commercial clients, focusing on the real estate, construction, and hospitality sectors.
  • Identify client needs, present tailored insurance solutions, and manage the end-to-end sales process.
  • Consistently achieve and exceed sales targets, driving revenue growth.

Account Management

  • Serve as the main point of contact for client inquiries, claims, renewals, and endorsements.
  • Collaborate with underwriting and risk management teams to ensure the delivery of accurate and timely coverage solutions.
  • Conduct regular reviews of clients' portfolios to ensure comprehensive coverage and identify additional cross-sell and up-sell opportunities.

Sales Strategy & Market Expansion

  • Develop and implement sales strategies to expand Benchmark's footprint in target markets.
  • Leverage industry knowledge to provide market insights and identify emerging opportunities in commercial insurance.
  • Participate in networking events, trade shows, and conferences to enhance brand visibility and build a pipeline of leads.
  • Cross-Functional Collaboration
  • Work closely with internal teams, including underwriting, claims, and customer support, to deliver seamless client experiences.
  • Provide feedback to the management team on market trends, competitive analysis, and client needs to enhance product offerings.

Client Retention & Satisfaction

  • Proactively manage renewals, ensuring high retention rates by providing exceptional service and support.
  • Monitor client satisfaction through regular check-ins, feedback sessions, and NPS surveys, addressing issues promptly.

Expierence, Education and Skills

  • 5+ years in senior account management or sales roles within the insurance industry Advanced sales and business development capabilities
  • Strategic thinking and market analysis
  • Leadership and mentoring skills
  • Manage high-value accounts, develop new business, and maintain strong relationships with key stakeholders.
  • Bachelor's degree in business, finance, or related field; advanced certifications (e.g., CPCU) are beneficial

Job Type: Full-time

Benefits:


  • Flexible schedule
  • Health insurance
  • Paid time off


Supplemental Pay:


  • Bonus opportunities
  • Commission pay


Application Question(s):


  • What are your salary expectations?
  • What is the average premium size and annual book of business size that you managed in your last position?


Experience:


  • Real Estate: 3 years (Preferred)


License/Certification:


  • Insurance Producer License (Preferred)
  • Life Insurance License (Preferred)


Ability to Commute:


  • Houston, TX 77008 (Required)


Ability to Relocate:


  • Houston, TX 77008: Relocate before starting work (Required)


Work Location: In person

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