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Field Underwriter Jobs (NOW HIRING)

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Field Underwriting Representative

Boston, MA · On-site

$60K - $919K/yr

Massachusetts Property Insurance Underwriting Association is seeking a Field Underwriting Representative to join their Underwriting Department. This position reports to the Field Inspections ...

Chubb

Endorsement Underwriter

Phoenix, AZ

This role manages a complex portfolio of business, serving as a key liaison between field underwriters and agency partners. You will exercise independent judgment to ensure that all endorsements ...

Tipton Agency

Remote Insurance Broker

Phoenix, AZ · Remote

$60K - $200K/yr

The Field Underwriter will interact with families seeking coverage, evaluate risk, and identify the most suitable coverage options for each family. Responsibilities include submitting applications to ...

Chubb

Endorsement Underwriter

Phoenix, AZ · On-site

This role manages a complex portfolio of business, serving as a key liaison between field underwriters and agency partners. You will exercise independent judgment to ensure that all endorsements ...

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Field Underwriter information

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$73K

$100.2K

$120K

How much do field underwriter jobs pay per year?

As of Jul 15, 2026, the average yearly pay for field underwriter in the United States is $100,233.00, according to ZipRecruiter salary data. Most workers in this role earn between $91,500.00 and $109,500.00 per year, depending on experience, location, and employer.

How much does a field underwriter make?

A field underwriter typically earns between $45,000 and $70,000 annually, depending on experience, location, and the employer. Compensation may also include commissions or bonuses based on policy sales and underwriting performance.

What are some typical challenges faced by field underwriters during client evaluations, and how can they be addressed?

Field underwriters often encounter challenges such as incomplete client information, varying risk profiles, and the need to balance customer service with risk assessment. These challenges can be addressed by developing strong communication skills to gather accurate data, staying current with underwriting guidelines, and leveraging digital tools for efficient data collection and analysis. Regular collaboration with insurance agents, support staff, and underwriter teams also helps resolve complex cases and ensures well-informed decisions.

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

To thrive as a Field Underwriter, you need a strong understanding of risk assessment, insurance policies, and relevant state regulations, typically supported by a bachelor’s degree and an insurance license. Familiarity with underwriting software, CRM systems, and industry-specific databases is often required. Excellent communication, analytical thinking, and relationship-building skills help Field Underwriters excel when interacting with clients and evaluating complex information. These competencies are crucial for accurately assessing risk, ensuring policy compliance, and building trust with clients in a competitive insurance marketplace.

What is the difference between Field Underwriter vs Insurance Agent?

AspectField UnderwriterInsurance Agent
Required CredentialsLicensing, insurance knowledge, sometimes certificationsLicensing, sales training, insurance knowledge
Work EnvironmentField-based, assessing applications, visiting clientsOffice or field, selling policies, client meetings
Employer & Industry UsageInsurance companies, underwriting departmentsInsurance agencies, brokerages
Comparison Search IntentUnderstanding underwriting roles vs sales roles

The main difference between a Field Underwriter and an Insurance Agent lies in their roles. Field Underwriters focus on evaluating insurance applications, assessing risk, and supporting underwriting decisions, often working in the field. Insurance Agents primarily sell policies, advise clients, and handle customer relationships. While both roles require licensing and insurance knowledge, their core responsibilities and work environments differ significantly.

What does a field underwriter do?

A field underwriter evaluates insurance applications and conducts on-site inspections to assess risk, verify information, and determine policy eligibility. They gather data, review documentation, and ensure compliance with company standards, often working independently in the field. Strong communication skills and knowledge of underwriting guidelines are essential for this role.

What are field underwriters?

Field underwriters are insurance professionals who assess potential clients to determine their eligibility for insurance policies. They typically meet with applicants in person, gather relevant information, and evaluate risks such as health, occupation, and lifestyle before submitting their recommendations to insurance companies. Field underwriters play a key role in ensuring policies are appropriately matched to clients' needs while protecting insurers from excessive risk. Their work often involves both sales and risk assessment duties.

What Does a Field Underwriter Do?

Field underwriters inspect the property listed in insurance applications to determine whether or not their employer should approve the application and provide coverage for the home, building, car, or other property. In this role, your job duties include reviewing each application to ensure it is complete, running a credit check on the applicant, contacting the applicant to confirm the data submitted, then setting up a time to travel to the applicant's location to evaluate the items in the application. You must inspect the property thoroughly, documenting all of your findings, to make an informed recommendation to the company on approving or denying the request. Once you have completed your inspection, you forward your information to the agent handling the applicant's file to be processed.

Will AI replace underwriting?

Field underwriters analyze risk and assess applications, and AI is increasingly used to automate data collection and initial risk evaluation. However, human judgment remains essential for complex cases, relationship building, and final decision-making, making full replacement unlikely in the near term.

How to get an entry level underwriter job?

To secure an entry-level field underwriter position, candidates typically need a high school diploma or equivalent, with some roles preferring a bachelor's degree in finance, business, or related fields. Relevant skills include attention to detail, analytical thinking, and familiarity with insurance or financial products; obtaining industry certifications like the Chartered Property Casualty Underwriter (CPCU) can also improve prospects. Gaining experience through internships or related roles can help build a competitive application.
More about Field Underwriter jobs
What cities are hiring for Field Underwriter jobs? Cities with the most Field Underwriter job openings:
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Field Underwriter jobs near you
Infographic showing various Field Underwriter job openings in the United States as of July 2026, with employment types broken down into 89% Full Time, 9% Part Time, and 2% Contract. Highlights an 92% Physical, 2% Hybrid, and 6% Remote job distribution, with an average salary of $100,233 per year, or $48.2 per hour.
Field Underwriter (Remote)

Field Underwriter (Remote)

Spieldenner Financial Group

Durham, NC • On-site, Remote

Contractor

Posted 13 days ago

Job description

We are a fast-growing financial services organization focused on helping families protect what matters most.
We prioritize fast pay, low startup costs, and hands-on training, so you can focus on learning the role and building income from day one.
What You'll Be Doing
Client Outreach (6-8 hrs/week)
Connect with individuals who have already requested information and schedule a time to review their coverage needs.
Preparation & Research (4-5 hrs/week)
Review client information and prepare personalized coverage options based on their financial situation.
Client Meetings (2 days/week)
Meet with clients virtually or in person (your choice) to walk through options and help them apply for coverage.
Light Admin (2 hrs/week)
Follow up on applications and communicate with insurance carriers as needed.
Who This Role Fits Best
  • Coachable and willing to learn
  • Self-motivated and goal-oriented
  • Comfortable working independently
  • Looking for flexibility and performance-based income
  • No prior experience required (training provided)
What You'll Gain
  • Flexible schedule (full-time or part-time)
  • Remote work with optional in-person meetings
  • Structured onboarding and ongoing training
  • Access to systems, tools, and support to help you succeed
  • Performance-based income with uncapped potential
What This Role Is About
We work directly with families to help them:
  • Understand their financial risks
  • Protect their income and household
  • Choose coverage that fits their needs and budget

You'll be trained to guide conversations, present options clearly, and support clients through the application process.
Important Compensation Disclosure
This position is a commission-only based sales position. The average commission on a mortgage protection product is approximately $600 per family you protect. Our expectation is that a full-time agent will sell 5 to 10 mortgage protection plans per week. In addition to mortgage protection, we also offer financial products designed to help individuals plan for retirement or protect existing retirement accounts. Training is provided.
No agent's success, earnings, or production results should be viewed as typical, average, or expected. Not all agents achieve the same or similar results, and no particular results are guaranteed. Your level of success will depend on factors including your effort, ability to follow training and systems, engagement with leads, and client needs in your area.

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