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Financial Lines Underwriter Jobs (NOW HIRING)

Safepoint MGA, LLC

Personal Lines Underwriter

Spring, TX · On-site

$65K - $70K/yr

... Underwriters to support our Personal Lines Homeowners department. If you have a passion for risk ... Financial Stability and Employee Visibility: * You're not a number here. Join a financially solid ...

Safepoint MGA, LLC

Personal Lines Underwriter

Tampa, FL · On-site

$65K - $70K/yr

... Underwriters to support our Personal Lines Homeowners department. If you have a passion for risk ... Financial Stability and Employee Visibility: * You're not a number here. Join a financially solid ...

Safepoint MGA, LLC

Personal Lines Underwriter

Tampa, FL · On-site

$65K - $70K/yr

... Underwriters to support our Personal Lines Homeowners department. If you have a passion for risk ... Financial Stability and Employee Visibility: * You're not a number here. Join a financially solid ...

Berkley

AVP, Underwriting

West Hartford, CT · On-site

... Financial Lines division of Berkley Healthcare. While our main offices are in West Hartford, CT, Chicago, IL and Chesterfield, MO we will consider candidates nationwide. The senior underwriter will ...

Berkley

Sr. Commercial Lines Underwriter

Irving, TX · On-site

Now more than ever, financial strength is critical to a successful, long term insurance ... Responsibilities As a Senior Commercial Lines Underwriter , you'll play a key role in driving ...

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Financial Lines Underwriter information

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How much do financial lines underwriter jobs pay per hour?

As of Aug 12, 2026, the average hourly pay for financial lines underwriter in the United States is $25.88, according to ZipRecruiter salary data. Most workers in this role earn between $22.60 and $26.20 per hour, depending on experience, location, and employer.

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

To thrive as a Financial Lines Underwriter, you need strong analytical abilities, a deep understanding of financial products, and typically a degree in finance, business, or a related field. Familiarity with underwriting software, risk assessment tools, and relevant certifications such as Chartered Property Casualty Underwriter (CPCU) are often required. Excellent negotiation, decision-making, and communication skills help build client relationships and manage complex risks. These skills ensure accurate risk evaluation, profitable portfolio management, and maintain client trust in a competitive insurance market.

What does a financial lines underwriter do?

A Financial Lines Underwriter evaluates and assesses risks related to financial insurance products, such as directors and officers (D&O) liability, professional indemnity, and cyber insurance. They determine the terms, coverage limits, and premiums for these policies based on the applicant's risk profile, financial health, and industry trends. Their work involves analyzing financial statements, reviewing claims history, and staying current with regulations to ensure the insurer is protected from significant losses. Financial Lines Underwriters also negotiate with brokers and clients and may help develop new insurance products tailored to evolving risks.

What are some of the main challenges faced by financial lines underwriters, and how can new hires prepare for them?

Financial Lines Underwriters often face challenges such as assessing complex risks, staying updated on regulatory changes, and balancing client expectations with company risk appetite. New hires can prepare by developing strong analytical skills, keeping current with industry regulations, and building effective communication with brokers and clients. Collaborating closely with senior underwriters and attending industry workshops can also help accelerate learning and adaptability in this fast-evolving field.

What is the difference between Financial Lines Underwriter vs Commercial Underwriter?

AspectFinancial Lines UnderwriterCommercial Underwriter
CredentialsTypically requires insurance licenses, underwriting certifications, and a bachelor's degree in finance or related fieldsSimilar credentials, often including licenses and degrees in business or finance
Work EnvironmentWorks primarily in insurance companies or brokers focusing on financial risk policiesWorks in various sectors, including retail, manufacturing, and service industries, assessing commercial risks
Industry UsageSpecialized in underwriting financial lines such as D&O, E&O, and cyber insuranceHandles broader commercial insurance policies for different business types

Financial Lines Underwriters focus on specialized financial risk policies, while Commercial Underwriters handle a wider range of business insurance. Both roles require similar credentials and work environments but differ in their specific industry focus.

More about Financial Lines Underwriter jobs
What cities are hiring for Financial Lines Underwriter jobs? Cities with the most Financial Lines Underwriter job openings:
What states have the most Financial Lines Underwriter jobs? States with the most job openings for Financial Lines Underwriter jobs include:
What job categories do people searching Financial Lines Underwriter jobs look for? The top searched job categories for Financial Lines Underwriter jobs are:
Financial Lines Underwriter jobs near you
Infographic showing various Financial Lines Underwriter job openings in the United States as of August 2026, with employment types broken down into 100% Full Time. Highlights an 83% In-person, and 17% Remote job distribution, with an average salary of $53,827 per year, or $25.9 per hour.

Underwriter - Personal Lines

Capital Insurance Group

Monterey, CA • Hybrid

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 13 days ago

Job description

Why CIG?

At Capital Insurance Group we offer our employees more than just a job. We foster career growth, provide opportunities to give back to our communities, and help you take the next step in your career!

CIG was founded in 1898 by a group of earnest farmers in need of protection and today, we are the leading West Coast Property & Casualty insurer. CIG is certified as a Great Place to Work and provides a collaborative, inclusive, and fun work culture for all employees.

Why Choose CIG’s Personal Lines Underwriting Team?

This is your perfect opportunity to join a company that is building momentum with our independent agents and protecting the dreams and assets of our policyholders. Join the CIG Underwriting team in helping build a safer world where dreams soar!

Benefits

  • Accrue twenty-one days of Paid Time Off during your first year
  • Up to eighty-seven percent of benefits are covered by CIG for you and your family members
    • Medical, Dental, Vision plans, Telehealth
  • One hundred percent covered plans
    • Basic Life & AD&D
    • Employee Assistance
    • Leave Management
    • Long Term Disability
    • Short Term Disability (Outside of CA)
    • Employee Benefit Advocacy Hot Line
  • Family Caregiver Support (Homethrive)
  • Child Care Resources (Tootris)
  • Business Travel Accident Protection
  • Voluntary benefit offerings
    • Short-term Disability (CA only)
    • Voluntary Life AD&D self, spouse, and child plans
    • Flexible Spending (FSA)
    • Health Savings (HSA)
    • Hospital Indemnity
    • Accidental Injury
    • Pet Insurance
    • Commuter Benefit
  • Critical Illness
  • ARAG Legal Services
  • Norton LifeLock
  • Nine paid holidays, plus two floating holidays
  • Above and Beyond Reward Recognition Program
    • Kudos & Shout Out Points Program
    • Quarterly Above and Beyond Bonus Program
    • Annual Above and Beyond Bonus Program
  • Competitive compensation
    • Base compensation
    • Salary Management Spot Bonuses
    • Annual Incentive/Profit sharing program, potential payout annually based on company results.
  • Discount partnerships
    • Gym memberships, credit union, travel, shopping, restaurants, theme parks, and more
  • Insurance, educational reimbursement, and bonus programs
  • Employee Referral Bonus Program
  • Home and Auto Insurance Discount Program.
  • Paid Volunteer Time – Through company-planned community events and choose your own adventure PVT in giving back in ways that are meaningful to you!
  • Retirement savings benefit (401k and Roth + match)
  • Health & Financial Wellness
    • Wellness platform, tools, and events - Vitality
    • Health Savings Account – match
    • Financial Wellness Resources

Work Environment & Format

This is a hybrid-eligible position, where Monday through Wednesday would be working in one of our offices, with Thursday and Friday eligible for work-from-home days. Office locations include: Reno (NV), Monterey (CA), Roseville (CA), and Phoenix (AZ).

Overview

The Personal Lines Underwriter is responsible for maintaining an underwriting desk which includes the individual risk selection according to company guidelines. In addition, the role requires maintaining profitability, establishing strong internal as well as external customer relationships. The position will provide knowledge of underwriting appetite and company philosophy to our agency partners. The individual will participate in audits and special projects as needed to facilitate the continued growth and renewal profitability goals. This person will work closely with the Underwriting Supervisor on any matters related to Personal Lines Underwriting.

Responsibilities

  • Review and maintain agency management practices for assigned agents, utilizing this information for respective file decisions and quarterly agency reviews.
  • Complete drafts for Department of Insurance complaints with the assistance of the PL Underwriting Supervisor
  • Complete underwriting and file reviews on referred new business, endorsements, inspections, CRU Claim Report to Underwriting, and renewal questionnaires.
  • Field incoming phone calls and email messages from agents to provide underwriting answers to inquiries and service for the assigned territory.
  • Achieve annual growth, loss ratio, retention and time service goals\
  • Agency Management – Use of APS Agency Profile System and regular contact with ADM Agency Development Manager in a mutual partnership to facilitate production.
  • Undertakes special projects as requested by management. May participate in audit and quality control reviews.
  • Job description is not prescriptive, but rather a guide as to the duties and responsibilities you will have, however it is not limited to the listed above.

Requirements

  • Knowledge of insurance industry terminology and laws
  • General policies and procedures for underwriting personal lines insurance risks
  • A college degree is preferred with 3 years’ experience as a Personal Lines underwriter or equivalent experience.
  • Demonstrated ability to apply sound underwriting principles in a professional, consultative manner.
  • Excellent verbal and written skills are required.
  • Continued personal development in insurance courses is desirable.
  • Experience with automated underwriting and rating systems.
  • Experience with Microsoft software including Word, Excel, Outlook and Power Point
  • Candidates must be authorized to work in the United States without the need for current or future visa sponsorship.

Career Path potential:

  • Sr. Underwriter – Personal Lines

Salary Range: $55,012.00 - $91,687.00

The salary range listed here has been provided to comply with local regulations and represents a potential base salary range for this role. Please note that actual salaries may vary within the range above or below, depending on experience and location. We look at compensation for each individual and base our offer on your unique qualifications, experience, and expected contributions. This position may also be eligible for other types of compensation in addition to base salary, such as benefits and bonus programs.

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