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Contract Underwriter Jobs in Michigan (NOW HIRING)

Atain

E&S Underwriter

Farmington Hills, MI · On-site

As a Contract Bind Underwriter, you will play a critical role in driving the growth and profitability of our Contract Binding Division. You will be responsible for marketing our Property, Casualty ...

Auto-Owners Insurance

Farm Underwriter

Lansing, MI · On-site

Learn various insurance coverages and contracts along with company philosophy and procedures, in order to make underwriting decisions. * Becomes familiar with company policies, manuals, forms and ...

United Wholesale Mortgage

Underwriter I

Pontiac, MI · On-site

$45K/yr

Maintain knowledge of and adhere to investor guidelines, state and federal underwriting lending ... Compensation package includes stock and forgivable loan incentives (subject to contract terms and ...

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$28.3K

$68.8K

$121.6K

How much do contract underwriter jobs pay per year?

As of Sep 6, 2026, the average yearly pay for contract underwriter in Michigan is $68,750.00, according to ZipRecruiter salary data. Most workers in this role earn between $53,200.00 and $75,800.00 per year, depending on experience, location, and employer.

What is a contract underwriter?

A Contract Underwriter is a financial professional who evaluates and assesses loan applications, insurance policies, or other financial risks for a company on a contract or freelance basis. They analyze credit history, financial statements, and other relevant data to determine risk levels and ensure compliance with underwriting guidelines. Unlike in-house underwriters, they often work independently or for third-party firms, providing services to lenders or insurers as needed. Their goal is to mitigate risk while facilitating responsible lending or coverage decisions.

What are the typical daily responsibilities of a contract underwriter?

As a Contract Underwriter, your typical day involves reviewing applications, evaluating potential risks, and determining appropriate terms and premiums for various contracts, such as insurance policies or financial agreements. You will analyze supporting documents, communicate with brokers or clients to clarify details, and ensure all agreements comply with regulations and company guidelines. Collaboration is often required with legal, sales, and risk management teams to ensure comprehensive risk assessment. These responsibilities help maintain the integrity of the underwriting portfolio and support the business’s long-term financial goals.

What are the key skills and qualifications needed to thrive as a contract underwriter?

To thrive as a Contract Underwriter, you need strong analytical abilities, attention to detail, and a thorough understanding of contract law and risk assessment, often supported by a degree in finance, business, or a related field. Familiarity with underwriting software, risk modeling tools, and sometimes certifications such as Chartered Property Casualty Underwriter (CPCU) are highly beneficial. Excellent communication, negotiation, and organizational skills help underwriters interact effectively with clients and internal teams. These competencies are crucial to accurately evaluate risk, ensure compliance, and make sound underwriting decisions that protect the company’s interests.

What are the most commonly searched types of Underwriter jobs in Michigan?

The most popular types of Underwriter jobs in Michigan are:

What are popular job titles related to Contract Underwriter jobs in Michigan?

For Contract Underwriter jobs in Michigan, the most frequently searched job titles are:

What job categories do people searching Contract Underwriter jobs in Michigan look for?

The top searched job categories for Contract Underwriter jobs in Michigan are:

What cities in Michigan are hiring for Contract Underwriter jobs?

Cities in Michigan with the most Contract Underwriter job openings:

Contract Underwriter jobs near you
Infographic showing various Contract Underwriter job openings in Michigan as of August 2026, with employment types broken down into 89% Full Time, 6% Part Time, 2% Temporary, and 3% Contract. Highlights an 67% Physical, 13% Hybrid, and 20% Remote job distribution, with an average salary of $68,750 per year, or $33.1 per hour.

Underwriter - Surety Bond Underwriting

Auto-Owners Insurance

Lansing, MI • On-site

Full-time

Retirement, PTO

Re-posted 2 days ago

Auto-Owners Insurance rating

9.2

Company rating: 9.2 out of 10

Based on 35 frontline employees who took The Breakroom Quiz

23rd of 315 rated insurance

Job description

A career at Auto-Owners is challenging and rewarding. Our group of caring associates create financial security by helping individuals and businesses make a new start when a loss occurs.
Job Description
We offer a merit-based work-from-home program based on job responsibilities. After initial training in-person, you could have the flexibility of work-from-home time as defined by the leadership team.
Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated underwriting trainee to join our team. This job performs and applies insurance coverage, rules and guidelines to execute the underwriting decision-making process according to Company underwriting philosophy. This job includes training and development through completion of the Company's underwriter training program for the assigned line of insurance and requires the person to:
  • Learn various insurance coverages and contracts along with company philosophy and procedures, in order to make underwriting decisions
  • Read, interpret, and react to documents such as policies, manuals, forms, and endorsements to understand their meaning and use
  • Assemble information, develop opinions, and clearly express decisions using sound reasoning and judgment
  • Analyze loss experience, financial conditions and physical characteristics of risks
  • Acquires a working knowledge of supporting sections of the underwriting department
  • Effectively communicate with independent agents and other associates through verbal and/or written means
  • Participate in and successfully complete the Company underwriter training program

Desired Skills & Experience
  • Bachelor's degree or direct equivalent experience with property/casualty underwriting
  • Contract surety experience preferred
  • Experience working with contract bonds is preferred
  • Ability to organize data, multi-task and make decisions independently
  • Above average communication skills (written and verbal)
  • Ability to write reports and compose correspondence
  • Ability to resolve complex issues
  • Continually develop product knowledge through participation in approved educational programs

Benefits
Auto-Owners offers a wide range of career opportunities, and we are seeking talent that will help us continue our long tradition of success. We offer a friendly work environment, structured training program, employee mentoring and an excellent compensation/benefits package. Along with a competitive base salary, matched 401(k), fully-funded pension plan (once vested), and bonus programs, Auto-Owners also provides generous paid time off including holidays, vacation days, personal time, and sick leave. If you're looking to do rewarding work alongside great people, Auto-Owners is the place for you!
Equal Employment Opportunity
Auto-Owners Insurance is an equal opportunity employer. The Company hires, transfers, and promotes on the basis of ability, without consideration of disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation, gender identity or national origin, or any factor contrary to federal, state or local law.
*Please note that the ability to work in the U.S. without current or future sponsorship is a requirement.
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