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Delegated Underwriter Jobs (NOW HIRING)

Venbrook

Underwriter

New York, NY · On-site +1

The Excess Liability Insurance Underwriter evaluates, selects, and prices excess and surplus (E&S) casualty risks within delegated underwriting authority. This is a technical carrier underwriting ...

Ascot Group

Underwriter, E&S Casualty

Atlanta, GA · On-site

Work independently within delegated underwriting authority and make referrals as required. * Cultivate and maintain relationships with peers, leaders and internal partners across functional areas to ...

Seacoast Bank

Mortgage Loan Underwriter

Miami, FL · On-site

Exercise delegated underwriting authority within approved limits; escalate or present loans exceeding authority or containing exceptions to Senior Management or Credit Committee as required.

Seacoast Bank

Mortgage Loan Underwriter

Stuart, FL · On-site

Exercise delegated underwriting authority within approved limits; escalate or present loans exceeding authority or containing exceptions to Senior Management or Credit Committee as required.

Seacoast Bank

Mortgage Loan Underwriter

Miami, FL

Exercise delegated underwriting authority within approved limits; escalate or present loans exceeding authority or containing exceptions to Senior Management or Credit Committee as required.

Seacoast Bank

Mortgage Loan Underwriter

Tampa, FL · On-site

Exercise delegated underwriting authority within approved limits; escalate or present loans exceeding authority or containing exceptions to Senior Management or Credit Committee as required.

Energy Insurance Mutual

Senior Property Underwriter

Tampa, FL · On-site

$89K - $106K/yr

Proven ability to exercise sound underwriting judgment and operate within delegated underwriting authority. * Demonstrated ability to develop and maintain broker and Member relationships. * CPCU, ARM ...

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Delegated Underwriter information

See salary details

$32.5K

$78.9K

$139.5K

How much do delegated underwriter jobs pay per year?

As of Aug 8, 2026, the average yearly pay for delegated 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.

How does a delegated underwriter typically collaborate with brokers and other underwriting teams?

Delegated Underwriters frequently work with brokers to assess risks, clarify policy parameters, and ensure accurate documentation for delegated authority schemes. They coordinate closely with senior underwriters and compliance teams to maintain underwriting standards and manage risk exposure. Regular communication and feedback loops are essential to resolve queries and maintain strong relationships, which ultimately support both business growth and regulatory compliance.

What is the difference between Delegated Underwriter vs Underwriting Analyst?

AspectDelegated UnderwriterUnderwriting Analyst
CredentialsTypically requires insurance licenses, underwriting experience, and sometimes certifications like CPCUUsually holds a degree in finance, economics, or related fields; may have certifications like CPCU or ARM
Work EnvironmentWorks closely with agents, brokers, and underwriters, often in regional or branch officesPrimarily in office settings, analyzing data and preparing reports for underwriting decisions
Employer & Industry UsageCommon in insurance companies, especially in delegated authority programsFound across insurance firms, focusing on risk assessment and data analysis

While both roles are involved in the underwriting process, a Delegated Underwriter has authority to make binding decisions within delegated limits, often working directly with agents. An Underwriting Analyst supports the process through data analysis and risk assessment, typically without authority to bind coverage. Understanding these differences helps clarify career paths and job expectations in the insurance industry.

Is it hard to get a job in delegated underwriter?

Becoming a delegated underwriter can be competitive, as it requires relevant experience in underwriting, strong analytical skills, and knowledge of insurance or lending guidelines. Candidates often need industry certifications and a solid understanding of risk assessment to improve their chances of securing the role.

What are the key skills and qualifications needed to thrive as a delegated underwriter, and why are they important?

To thrive as a Delegated Underwriter, you need strong analytical skills, attention to detail, and a solid understanding of insurance principles, typically supported by relevant industry certifications or experience. Familiarity with underwriting software, risk assessment tools, and compliance systems is essential for evaluating and processing delegated authority business. Excellent communication, negotiation, and decision-making abilities help you manage relationships with brokers and ensure clear documentation. These skills are crucial for accurately assessing risk, maintaining regulatory compliance, and supporting profitable business growth.

What is a delegated underwriter?

Delegated underwriters are professionals or organizations that have been granted the authority by an insurance company or lender to assess and approve insurance policies or loan applications on their behalf. This delegation allows for faster decision-making, as the underwriter can process applications without sending every case to the main company for approval. Delegated underwriters must follow strict guidelines and criteria set by the insurer or lender and are regularly audited to ensure compliance. This role is common in mortgage lending and specialty insurance lines, where efficiency and expertise are highly valued.
More about Delegated Underwriter jobs
What job categories do people searching Delegated Underwriter jobs look for? The top searched job categories for Delegated Underwriter jobs are:
Delegated Underwriter jobs near you
Infographic showing various Delegated Underwriter job openings in the United States as of August 2026, with employment types broken down into 3% As Needed, 78% Full Time, 18% Part Time, and 1% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Underwriter

Venbrook

New York, NY • On-site, Remote

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 9 days ago

Job description

JOB TITLE: Excess Liability Insurance Underwriter
DEPARTMENT: Brooks Insurance Agency
COMPANY OVERVIEW:
Brooks Insurance Agency is the wholesale brokerage of Venbrook Group, LLC, a holding company with subsidiaries engaged in retail broking, wholesale broking, programs, and claims services. As an independent, multi-line wholesaler in the property and casualty marketplace, Brooks Insurance provides coverage on both an excess and surplus (E&S) and admitted basis.
Brooks Insurance works across standard markets and specializes in distressed and complex lines of business. Our strong premium volume reinforces our carrier relationships, positioning Brooks Insurance as a preferred partner and ensuring priority submission review and exceptional service.
Brooks Insurance is the wholesale brokerage of Venbrook. At Venbrook, we envision a world where our clients can confidently pursue their boldest ambitions. Our team of experts leverages agility, innovation, and creative problem-solving to guide our clients through an ever-changing risk environment. We pride ourselves on providing insurance services that allow businesses to make bold decisions, knowing their risks are identified, assessed, and mitigated.
Our culture is derived from the people who create it. We are not different in what we do. We are different in how we do it. We believe our clients are our partners, and we earn their trust every day. We believe in empowering our team and holding ourselves accountable to deliver the best solutions. We value agility, versatility, innovation and creative problem solving and put our people at the core of everything we do.
We offer competitive compensation and a comprehensive benefits package:
  • 401k + employee match
  • Medical, Dental, Vision, Life, and Disability Insurance
  • Paid Time Off (PTO)
  • Paid Holidays
  • Paid Parental leave
  • Paid Sick leave
  • Professional development programs
  • Work-life quality and flexibility

Visit us at https://www.venbrook.com/contact-us/careers
JOB SUMMARY:
The Excess Liability Insurance Underwriter evaluates, selects, and prices excess and surplus (E&S) casualty risks within delegated underwriting authority. This is a technical carrier underwriting role focused on sound risk selection, disciplined pricing, portfolio profitability, and documentation quality across a broad range of target classes including contracting/wrap-up/project-specific risks, product liability, service classes, real estate, and institutional exposures. The underwriter works within the carrier's underwriting guidelines and appetite to make binding decisions on new business, renewals, and endorsements.
POSITION REQUIREMENTS:
Sound Judgment & Underwriting Authority: Exercises disciplined analytical thinking to evaluate complex excess casualty risk exposures and make binding underwriting decisions within delegated authority limits. Balances risk quality with portfolio profitability.
Technical Underwriting Depth: Demonstrates strong command of excess and surplus lines casualty underwriting principles, coverage structures, attachment points, and pricing methodology across multiple target classes.
Portfolio & Market Awareness: Monitors loss trends, emerging risks, and E&S market conditions to proactively adjust underwriting strategies and maintain a profitable, disciplined book of business.
Broker & Carrier Collaboration: Builds and maintains effective working relationships with wholesale brokers and internal carrier teams. Communicates underwriting decisions clearly, including rationale for pricing, coverage structure, or declinations.
Attention to Detail & Documentation: Thoroughly reviews applications, loss history, and exposure data. Produces clear, accurate underwriting files that reflect sound decision-making and comply with carrier guidelines, surplus lines regulations, and audit standards.
DUTIES/RESPONSIBILITIES:
Risk Assessment & Underwriting Authority
  • Analyze complex excess casualty risk submissions, including underlying primary programs, loss history, and exposure data
  • Evaluate risks across target classes including contracting/wrap-up/project-specific, product liability, service classes, real estate, and institutional exposures
  • Underwrite excess and surplus (E&S) lines submissions that fall outside standard market appetite
  • Make binding decisions on new business, renewals, and endorsements within delegated underwriting authority
  • Determine appropriate coverage structures, attachment points, limits, terms, conditions, and endorsements in accordance with underwriting guidelines
  • Refer risks outside delegated authority to senior underwriting leadership with a clear, documented recommendation
  • Apply surplus lines regulatory knowledge in structuring and transacting placements appropriately

Portfolio & Profitability Management
  • Maintain a profitable book of business through disciplined risk selection and consistent application of underwriting guidelines
  • Monitor loss trends, emerging risks, and E&S market conditions to adjust underwriting strategies
  • Collaborate with carrier actuarial teams to refine pricing models and ensure rate adequacy
  • Identify and escalate portfolio-level concerns, deteriorating segments, or appetite shifts to leadership
  • Participate in audits and internal reviews to ensure compliance with underwriting standards

Broker Engagement
  • Maintain effective working relationships with wholesale brokers within the carrier's distribution model
  • Communicate underwriting decisions clearly and professionally, including rationale for pricing, structure, or coverage changes
  • Provide guidance to brokers on risk characteristics, carrier appetite, and submission requirements
  • Represent the carrier at industry events, broker meetings, and training sessions as appropriate

Documentation & Compliance
  • Prepare clear, accurate underwriting files that document the basis for each binding decision
  • Ensure all transactions adhere to surplus lines regulatory requirements, internal policies, and delegated authority limits
  • Maintain thorough knowledge of underwriting guidelines, carrier appetite, and state-specific insurance laws
  • Stay current on legal developments and emerging excess casualty liability trends

REQUIRED SKILLS/ABILITIES:
Required
  • 5+ years of experience in excess casualty or surplus lines underwriting
  • Experience making binding underwriting decisions within a delegated authority framework
  • Strong technical knowledge of E&S casualty coverage structures, attachment points, and pricing methodology
  • Ability to analyze complex risk submissions, loss data, and exposure information to reach sound underwriting conclusions
  • Solid understanding of surplus lines regulations and E&S market placement
  • Excellent written and verbal communication skills, including the ability to clearly document and defend underwriting decisions
  • Proficiency with underwriting platforms, rating tools, and productivity software

Preferred
  • Professional designations such as CPCU, ARM, or AU
  • Experience underwriting across multiple casualty classes including contracting, product liability, real estate, and institutional risks
  • Familiarity with actuarial pricing models and loss development concepts

EDUCATION & EXPERIENCE:
  • Bachelor's degree in business, finance, risk management, or a related field
  • 5+ years of experience in excess casualty or surplus lines underwriting
  • Professional designations such as CPCU, ARM, or AU preferred

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