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Commercial Underwriting Manager information

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$48K

$103.1K

$158.5K

How much do commercial underwriting manager jobs pay per year?

As of Aug 2, 2026, the average yearly pay for commercial underwriting manager in the United States is $103,082.00, according to ZipRecruiter salary data. Most workers in this role earn between $77,000.00 and $121,000.00 per year, depending on experience, location, and employer.

What is the difference between Commercial Underwriting Manager vs Commercial Underwriter?

AspectCommercial Underwriting ManagerCommercial Underwriter
CredentialsTypically requires a bachelor’s degree in finance, business, or related field; professional certifications like CPCU or ARM are commonSame as manager, often with similar certifications and experience
Work EnvironmentLeads underwriting teams, oversees policies, and manages risk assessment strategiesPerforms detailed risk analysis and evaluates insurance applications
Employer & Industry UsageUsed in insurance companies, especially in commercial linesCommonly used in insurance companies for individual and small business policies

The main difference is that the Commercial Underwriting Manager oversees the underwriting team and strategy, while the Commercial Underwriter focuses on evaluating individual insurance applications. Both roles require similar credentials and work within the same industry, but the manager has a leadership and oversight role.

What does a Commercial Underwriting Manager do?

A Commercial Underwriting Manager oversees the underwriting process for business insurance policies, ensuring that risks are accurately assessed and policies are priced appropriately. They lead a team of underwriters, set underwriting guidelines, and work closely with brokers and clients to evaluate complex commercial risks. Their responsibilities also include training staff, monitoring portfolio performance, and ensuring compliance with industry regulations. This role requires strong analytical, leadership, and decision-making skills.

What are some typical challenges faced by Commercial Underwriting Managers, and how can they be addressed?

Commercial Underwriting Managers often encounter challenges such as balancing risk assessment with business growth objectives, managing complex and varied portfolios, and keeping up with ever-changing regulations. These challenges can be addressed by fostering strong communication within the underwriting team, leveraging technology for accurate risk analysis, and participating in ongoing professional development. Building close relationships with brokers and clients also helps streamline the underwriting process and ensures better risk selection.

What are the key skills and qualifications needed to thrive as a Commercial Underwriting Manager, and why are they important?

To excel as a Commercial Underwriting Manager, you need deep knowledge of risk assessment, financial analysis, and insurance products, typically supported by a bachelor’s degree in finance, business, or a related field. Familiarity with underwriting software, risk modeling tools, and regulatory compliance systems is crucial. Strong leadership, decision-making, and negotiation skills help foster effective team management and client relationships. These competencies ensure accurate risk evaluation, profitability, and compliance in complex commercial insurance environments.
More about Commercial Underwriting Manager jobs
What cities are hiring for Commercial Underwriting Manager jobs? Cities with the most Commercial Underwriting Manager job openings:
What are the most commonly searched types of Commercial Underwriting jobs? The most popular types of Commercial Underwriting jobs are:
What states have the most Commercial Underwriting Manager jobs? States with the most job openings for Commercial Underwriting Manager jobs include:
What job categories do people searching Commercial Underwriting Manager jobs look for? The top searched job categories for Commercial Underwriting Manager jobs are:
Commercial Underwriting Manager jobs near you
Infographic showing various Commercial Underwriting Manager job openings in the United States as of July 2026, with employment types broken down into 93% Full Time, 5% Part Time, and 2% Contract. Highlights an 93% Physical, 2% Hybrid, and 5% Remote job distribution, with an average salary of $103,082 per year, or $49.6 per hour.

Commercial Auto Underwriting Manager

United Automobile Insurance Company

Miami, FL • On-site, Remote

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 4 days ago

Job description

COMPANY OVERVIEW:
Founded in 1989, United Automobile Insurance Company is an innovative and established organization looking for a Commercial Underwriting Manager to join our team. Family-owned, UAIC, is one of the largest privately held property and casualty insurance companies in the United States. The key to our growth and success is a commitment to providing quality service to our agents and customers, by providing disciplined underwriting, and strategic claims handling. Our ongoing efforts to invest substantial resources in personnel and technology are the foundation of our promise of assuring maximum efficiency and specialized operations in the industry. We are proud that our independent agents and customers have recognized our dedication by making UAIC the market leader in every state where we conduct business.
Position Summary
As a Commercial Auto Underwriting Manager, you will lead the commercial underwriting function for non-standard commercial auto business, with responsibility for underwriting strategy, portfolio performance, technical risk oversight, and team leadership.
This role is responsible for driving underwriting profitability through disciplined risk selection, guideline development, operational oversight, and sound portfolio management. The Commercial Underwriting Manager will oversee underwriting staff, evaluate complex commercial auto risks, establish underwriting appetite, and partner cross-functionally to support profitable growth.
This position offers a remote work arrangement within the South region.
Extensive Florida commercial auto underwriting experience is required.
Key Responsibilities
  • Lead commercial underwriting operations and manage underwriting staff performance.
  • Establish and maintain underwriting guidelines defining acceptable classes, restricted risks, and target profitable segments.
  • Develop and manage Florida commercial auto underwriting appetite and eligibility standards.
  • Review, approve, modify, or decline complex fleet and transportation risks.
  • Evaluate risk factors including driver quality, vehicle type, radius of operation, commodity hauled, DOT compliance, loss history, garaging territory, and financial stability.
  • Monitor portfolio concentration by class, territory, and fleet size to ensure balanced risk distribution.
  • Analyze loss trends and portfolio performance to recommend underwriting strategy adjustments.
  • Ensure compliance with Florida regulations and applicable state and federal transportation requirements.
  • Monitor underwriting KPIs, quality standards, and operational performance benchmarks.
  • Partner with claims, actuarial, product, and executive leadership to support profitability initiatives.
  • Provide coaching, technical guidance, and leadership development to underwriting staff.
  • Drive process improvements and operational efficiencies.
Education & Licensing
  • Bachelor's degree required; Business, Risk Management, Finance, or related field preferred.
  • CPCU, AU, ARM, or other insurance designations a plus.
  • Florida 2-20 License or equivalent preferred.
Skills & Qualifications
  • Extensive commercial auto underwriting experience within property and casualty insurance.
  • Strong knowledge of non-standard commercial auto risk assessment.
  • Proven underwriting leadership and team management experience.
  • Deep understanding of Florida commercial auto underwriting regulations.
  • Strong analytical, decision-making, and communication skills.
  • Ability to manage portfolio profitability and operational performance.

BENEFITS:
  • 401(k) Retirement Savings Plan with employer match.
  • Comprehensive Medical, Prescription Drug, Vision, and Dental Insurance
  • Paid Time Off, Holidays, and Leave programs.
  • Flexible spending accounts
  • Basic Life Insurance and Voluntary Life/ADD
  • Short Term and Long-Term Disability
UAIC participates in the E-Verify program to confirm the employment eligibility of all newly hired employees. For more information about E-Verify, please visit https://www.e-verify.gov/.
UAIC is an Equal Opportunity Employer and is committed to the principle of equal employment opportunity for all employees. All employment decisions at UAIC are based on business needs, job requirements, and individual qualifications, without regard to race, color, religion, or belief, family or parental status, or any other status protected by the laws or regulations in the locations where we operate. PIP Coverage and Qualification Adjuster

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