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Contract Underwriter Jobs (NOW HIRING)

United Fire Group

Surety Underwriter

Chicago, IL · On-site

Oversee a book of contract surety business within defined territory. Meet production, marketing ... Request underwriting information from agencies. Review and process information received. * Perform ...

New

Auto-Owners Insurance

Underwriter

Lexington, KY · On-site

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 ...

Auto-Owners Insurance

Underwriter

Montgomery, AL · On-site

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 ...

Auto Owners Insurance Company

Underwriter

Mesa, AZ

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 ...

Auto-Owners Insurance

Underwriter

Lakeland, FL · On-site

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 ...

Auto-Owners Insurance

Underwriter

Columbia, MO · On-site

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 ...

Auto-Owners Insurance

Underwriter

Mesa, AZ · On-site

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 ...

Auto-Owners Insurance

Underwriter

Tallahassee, FL · On-site

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 ...

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All JobsContract Underwriter Jobs

Contract Underwriter information

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$32.5K

$78.9K

$139.5K

How much do contract underwriter jobs pay per year?

As of Aug 7, 2026, the average yearly pay for contract underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

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 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.

More about Contract Underwriter jobs
What cities are hiring for Contract Underwriter jobs? Cities with the most Contract Underwriter job openings:
What are the most commonly searched types of Underwriter jobs? The most popular types of Underwriter jobs are:
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Contract Underwriter jobs near you
Infographic showing various Contract Underwriter job openings in the United States as of August 2026, with employment types broken down into 95% Full Time, 2% Part Time, and 3% Contract. Highlights an 71% Physical, 9% Hybrid, and 20% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Underwriter

Auto Owners Insurance Company

Lexington, KY • Hybrid

Full-time

Retirement, PTO

Re-posted 23 days ago

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

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
  • Acquire 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
  • 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.

#LI-CH1 #LI-DNP #LI-Hybrid

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