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Fire Underwriter Jobs (NOW HIRING)

Berkley

Sales Underwriter

Appleton, WI

Company Details Berkley Fire & Marine Underwriters Berkley Fire & Marine Underwriters was launched in 2013 and is a W. R. Berkley operating unit offering preferred inland marine and related property ...

Berkley

Sales Underwriter

Appleton, WI · On-site

Company Details Berkley Fire & Marine Underwriters Berkley Fire & Marine Underwriters was launched in 2013 and is a W. R. Berkley operating unit offering preferred inland marine and related property ...

Berkley

Sales Underwriter

Appleton, WI

Berkley Fire & Marine Underwriters Berkley Fire & Marine Underwriters was launched in 2013 and is a W. R. Berkley operating unit offering preferred inland marine and related property risks and ...

Rhonemus Group

SBA Underwriter

Columbus, OH · On-site

FIRE SBA UNDERWRITER Our retained community bank client is actively seeking a high-performing SBA (Small Business Administration) Underwriter to join their team. In this role, you will be ...

Rhonemus Group

SBA Underwriter

Columbus, OH · On-site

FIRE SBA UNDERWRITER Our retained community bank client is actively seeking a high-performing SBA (Small Business Administration) Underwriter to join their team. In this role, you will be ...

Berkley

Senior Sales Underwriter

Irving, TX

$91K - $108K/yr

Berkley Fire & Marine Underwriters Berkley Fire & Marine Underwriters was launched in 2013 and is a W. R. Berkley operating unit offering preferred inland marine and related property risks and ...

Berkley

Senior Sales Underwriter

Irving, TX

$91K - $108K/yr

Company Details Berkley Fire & Marine Underwriters Berkley Fire & Marine Underwriters was launched in 2013 and is a W. R. Berkley operating unit offering preferred inland marine and related property ...

Berkley

Senior Sales Underwriter

Irving, TX · On-site

$91K - $108K/yr

Company Details Berkley Fire & Marine Underwriters Berkley Fire & Marine Underwriters was launched in 2013 and is a W. R. Berkley operating unit offering preferred inland marine and related property ...

Berkley

Sr. Sales Underwriter

Atlanta, GA · On-site

$96K - $114K/yr

Company Details Berkley Fire & Marine Underwriters was launched in 2013 and is a W. R. Berkley operating unit offering preferred inland marine and related property risks and services. Headquartered ...

Berkley

Sr. Sales Underwriter

Atlanta, GA · Remote

$96K - $114K/yr

Company Details Berkley Fire & Marine Underwriters was launched in 2013 and is a W. R. Berkley operating unit offering preferred inland marine and related property risks and services. Headquartered ...

Berkley

Sr. Sales Underwriter

Atlanta, GA · Remote

$96K - $114K/yr

Berkley Fire & Marine Underwriters was launched in 2013 and is a W. R. Berkley operating unit offering preferred inland marine and related property risks and services. Headquartered in Chicago ...

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Fire Underwriter information

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$32.5K

$78.9K

$139.5K

How much do fire underwriter jobs pay per year?

As of Jul 21, 2026, the average yearly pay for fire 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 some common challenges faced by Fire Underwriters when assessing commercial property risks?

Fire Underwriters often encounter challenges such as evaluating properties with incomplete or outdated building information, interpreting complex fire protection systems, and staying current with changing building codes and regulations. Additionally, they must balance the need for thorough risk assessment with tight deadlines and high submission volumes. Effective collaboration with risk engineers, brokers, and clients is critical to ensure accurate underwriting decisions and maintain strong business relationships.

What is the difference between Fire Underwriter vs Property Underwriter?

AspectFire UnderwriterProperty Underwriter
CertificationsInsurance licenses, underwriting certificationsInsurance licenses, underwriting certifications
Work EnvironmentInsurance companies, risk assessment teamsInsurance companies, risk assessment teams
Industry UsageSpecializes in fire-related risks and policiesHandles broader property risks including fire, theft, and damage

Fire Underwriters focus specifically on assessing and underwriting fire-related insurance policies, while Property Underwriters handle a wider range of property risks. Both roles require similar certifications and work environments, but their scope of coverage differs, with Fire Underwriters specializing in fire risk assessment within the property insurance industry.

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

To thrive as a Fire Underwriter, you need a deep understanding of risk assessment, property insurance policies, and underwriting principles, typically supported by a relevant degree and industry certifications such as Chartered Property Casualty Underwriter (CPCU). Familiarity with underwriting software, risk modeling tools, and claims management systems is crucial. Strong analytical thinking, attention to detail, and effective communication skills help you assess risks accurately and collaborate with agents or clients. These skills ensure sound underwriting decisions that protect company assets while providing fair coverage to policyholders.

What type of underwriter gets paid the most?

Senior or specialized fire underwriters with extensive experience, advanced certifications, and expertise in high-risk or complex insurance policies tend to earn the highest salaries. Underwriters working in large companies, commercial insurance, or in managerial roles also typically receive higher pay. Skills in risk assessment and industry knowledge contribute to higher compensation levels.

What does a Fire Underwriter do?

A Fire Underwriter is responsible for evaluating and assessing the risk of insuring homes, commercial buildings, or other properties against fire damage. They review applications, analyze property information, inspect buildings, and determine appropriate coverage amounts and premiums. Their goal is to ensure that the insurance company only takes on risks that are acceptable and appropriately priced, while also safeguarding the interests of policyholders. Fire Underwriters may also recommend safety improvements to reduce fire risk and collaborate with agents, brokers, and clients throughout the underwriting process.

Will AI replace underwriting?

Fire underwriters analyze risk and determine policy terms, and AI is increasingly used to assist in data analysis and risk assessment. While AI can automate routine tasks and improve efficiency, human underwriters are still essential for complex decision-making and evaluating nuanced factors. The role is evolving to include oversight of AI tools and interpretation of their outputs.

Is an underwriter a stressful job?

Fire underwriters assess risks related to property and fire safety, and the job can be stressful due to the need for accuracy, meeting deadlines, and managing high-stakes decisions. The workload and pressure can vary depending on the employer and workload volume, but attention to detail and certification are important aspects of the role.

What qualifications do you need for underwriting?

Fire underwriters typically need a bachelor's degree in fields such as risk management, finance, or engineering. Relevant experience in insurance or risk assessment, strong analytical skills, and knowledge of fire safety standards are also important. Professional certifications like the Chartered Property Casualty Underwriter (CPCU) can enhance qualifications.
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What job categories do people searching Fire Underwriter jobs look for? The top searched job categories for Fire Underwriter jobs are:
Fire Underwriter jobs near you
Infographic showing various Fire Underwriter job openings in the United States as of July 2026, with employment types broken down into 1% As Needed, 86% Full Time, 11% Part Time, 1% Temporary, and 1% Contract. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.
Underwriter Fire Suppresslon

Underwriter Fire Suppresslon

Ryan Specialty

Hunt Valley, MD

Other

PTO

Posted 13 days ago

Job description

Position Summary

The Property and Casualty Underwriter (Fire Protection) is responsible for managing and growing a specialized portfolio of fire protection contractor accounts, including businesses involved in the installation, service, and repair of fire suppression systems, extinguishers, and sprinkler systems. This role evaluates risks unique to fire protection operations-such as system design, installation quality, code compliance, and ongoing maintenance exposures-while analyzing underwriting data to determine appropriate coverage terms and pricing. The Underwriter partners closely with brokers and stakeholders to deliver customized, compliant, and profitable insurance solutions.

What will your job entail?

  • Underwrite new and renewal fire protection contractor business by reviewing applications, policy forms, broker endorsement requests, and supporting documentation in accordance with underwriting guidelines.
  • Evaluate risks associated with fire protection operations, including system installation, inspection and testing services, repair work, design liability, and compliance with NFPA codes and local regulations.
  • Assess contractor operations for exposure related to faulty installation, system failure, property damage, and bodily injury.
  • Determine risk acceptability by analyzing factors such as scope of services (e.g., sprinkler installation, fire alarm systems, kitchen suppression systems), project types (residential, commercial, industrial), geographic exposure, and claims history.
  • Establish appropriate coverage limits, terms, conditions, and pricing based on risk characteristics and delegated underwriting authority.
  • Accept, modify, or decline risks based on technical underwriting analysis and company risk appetite.
  • Deliver high-quality underwriting service for both new and renewal business with strong technical expertise and adherence to underwriting standards.
  • Ensure compliance with state regulations, fire safety codes, and carrier guidelines specific to fire protection contractors.
  • Actively manage portfolio performance, including growth, retention, and profitability of assigned accounts.
  • Develop premium forecasts and support business planning to meet financial and production targets.
  • Build and maintain strong relationships with brokers, agents, and program partners specializing in contractor and fire protection risks.
  • Collaborate with internal teams to manage submissions, quotes, binds, and policy issuance accurately and efficiently.
  • Identify new business opportunities, maximize retention, and conduct proactive renewal reviews.
  • Participate in marketing initiatives, industry events, and fire protection trade associations to enhance market presence.
  • Stay current on industry trends, regulatory updates, emerging risks (e.g., system technology changes, evolving fire codes), and underwriting best practices.
Qualifications & Experience
  • Bachelor's or Master's degree in Risk Management, Business Administration, Engineering, or a related field (or equivalent professional experience).
  • Minimum of 5+ years of Property & Casualty underwriting experience, preferably focused on contractors, construction risks, or fire protection services.
  • Strong understanding of exposures related to installation, inspection, and maintenance of fire suppression and sprinkler systems.
  • Knowledge of NFPA standards, fire safety regulations, and contractor risk profiles is highly preferred.
  • Proven analytical, decision-making, and portfolio management skills.
  • Excellent communication, negotiation, and relationship management capabilities.
Licenses & Certifications
  • Must meet state requirements for Property & Casualty and/or surplus lines licensing.
  • CPCU (Chartered Property Casualty Underwriter) designation preferred.

Ryan Specialty is an Equal Opportunity Employer. We are committed to building and sustaining a diverse workforce throughout the organization.Our vision is an inclusive and equitable workplace where all employees are valued for and evaluated on their performance and contributions. Differences in race, creed, color, religious beliefs, physical or mental capabilities, gender identity or expression,sexual orientation, and many other characteristics bring together varied perspectives and add value to the service we provide our clients, trading partners,and communities.This policy extends to all aspects of our employment practices, including but not limited to, recruiting, hiring, discipline, firing, promoting, transferring, compensation, benefits, training, leaves of absence, and other terms, conditions, and benefits of employment.

How We Support Our Teammates

Ryan Specialty seeks to offer our employees a comprehensive and best-in-class benefits package that helps them - and their family members - achieve their physical, financial, and emotional well-being goals. In addition to paid time off for company holidays, vacation, sick and personal days, Ryan offers paid parental leave, mental health services and more.

The target salary range for this position is $96,000.00 - $120,000.00 annually.

The wage range for this role considers many factors, such as training, transferable skills, work experience, licensure and certification, business needs, and market demands. The pay range is subject to change and may be modified in the future. Full-time roles are eligible for bonuses and benefits. For additional information on Ryan Specialty Total Rewards, visit our website https://benefits.ryansg.com/.

We provide individuals with disabilities reasonable accommodations to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment in accordance with applicable law. Please contact us to request an accommodation at HR@Ryansg.com

The above is intended to describe this job's general requirements. It is not to be construed as an exhaustive statement of duties, responsibilities, or physical requirements. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

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