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Fire Underwriter Jobs (NOW HIRING)

United Fire Group

Sr Production Underwriter

Dallas, TX · On-site

$103K - $136K/yr

The Sr. Production Underwriter will handle a renewal book in their territory as assigned. This role assists with the resolution of escalated issues, and mentors and coaches team members.

United Fire Group

Sr Production Underwriter

Chicago, IL

$103K - $136K/yr

This role executes underwriting strategy to achieve profit and premium plans. The Sr. Production Underwriter will handle a renewal book in their territory as assigned. This role assists with the ...

United Fire Group

Sr Production Underwriter

Phoenix, AZ

$103K - $136K/yr

This role executes underwriting strategy to achieve profit and premium plans. The Sr. Production Underwriter will handle a renewal book in their territory as assigned. This role assists with the ...

United Fire Group

Sr Surety Underwriter

Pittsburgh, PA

$103K - $136K/yr

UFG is hiring for a Sr. Surety Underwriter who is actively working towards building and maintaining a profitable mix of new and existing surety business by developing and maintaining strong working ...

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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 22, 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Fire Underwriters often encounter challenges such as evaluating properties with incomplete or outdated building information, interpreting complex fire protection systems, and staying current with changing building codes and regulations.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 - New Business

Underwriter - New Business

ParetoHealth

Philadelphia, PA • Hybrid

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 13 days ago

Job description

We're in this for the greater good at ParetoHealth. Our mission is collective greatness, nothing less will do. Our team is a single force united in the drive to transform employee health benefits.

The company was founded in 2011 to help small and medium-sized businesses fight the rising cost of employee health benefits. We blazed the trail with financing innovations that reduce the risks in self-insurance and deliver significant savings—and we continue to lead with a growing ecosystem of partners and world-class cost control solutions.

But success is measured by more than dollars alone and we measure ours by the good that comes from knowing that every client and all their employees can count on effective, affordable healthcare for years to come.

Please note that ParetoHealth does not provide employment visa sponsorship for this position. Candidates must be authorized to work in the United States without sponsorship both now or in the future.

Position Overview:

Pareto Health is seeking a dedicated and detail-oriented Underwriter to join our team. This role is crucial in assessing and managing the risks associated with self-funded and fully insured health plans, using stoploss insurance. The ideal candidate will bring a foundational understanding of analyzing health risks and developing stoploss strategies that align with our commitment to providing innovative and cost-effective healthcare solutions to our clients.

Key Responsibilities:

  • Support the underwriting process using a best-in-class captive offering to create profitable stoploss offerings for prospective captive members.
  • Conduct preliminary risk assessments of prospective Pareto captive members, who are currently both fully insured and self-funded health plans, to assist in determining appropriate stoploss coverage levels and premiums.
  • Assist in analyzing healthcare data, including claims and utilization patterns, to forecast potential risks and cost implications.
  • Collaborate with the Sales team to provide consultants with the necessary financial information required to join the captive.
  • Adapt to working in an environment of incomplete information.
  • Stay informed about competitive market dynamics and respond appropriately.
  • Work under the guidance of senior underwriters to enhance underwriting skills and knowledge.
  • Participate in ongoing training to develop a deeper understanding of medical treatments and projected costs in partnership with the clinical risk team.
  • Ensure adherence to industry standards and legal requirements in all underwriting decisions and practices.

Required Skills & Qualifications:

  • Bachelor's degree in finance, economics, actuarial science, or a related field; relevant professional certifications are a plus.
  • Minimum of 2-3 years of experience in underwriting, preferably with some exposure to stoploss insurance and health risks. Experience with captives is a plus but not required.
  • Basic proficiency in underwriting software, data analysis tools, and Microsoft Office Suite.
  • Ability to analyze data, identify trends, and support underwriting decisions.
  • Good communication and negotiation skills, with the ability to articulate technical concepts to a non-technical audience.
  • Team player, capable of working effectively in a dynamic and collaborative environment.
  • Basic understanding of stoploss products, self-funding, healthcare industry trends, and the regulatory landscape.

Perks & Benefits:

  • Fully paid medical, dental, and vision benefits.
  • Flexible PTO
  • 401k company contribution
  • Tuition reimbursement
  • Professional development allowance
  • Transportation allowance and daily parking reimbursement
  • Engaging hybrid work environment
We are guided by our values:

Fire in the belly

The drive to learn, to improve, and to deliver outstanding value every day.

See the field

The ability to see the big picture and prepare to meet tomorrow's needs.

Get it done right

The passion to produce at higher rates and to the highest standards.

For the greater good

A united community creating better health benefit solutions for all.

Please note that any communication from our recruiters and hiring managers at ParetoHealth about a job opportunity will only be made by a ParetoHealth employee with an @paretohealth.com address. ParetoHealth does not conduct text message or chat-based interviews. Any other email addresses, agencies, or forums may be phishing scams designed to obtain your personal information. We will not ask you to provide personal or financial information, including, but not limited to, your social security number, online account passwords, credit card numbers, passport information, and other related banking information until we begin onboarding activities, which will be coordinated by a member of the ParetoHealth People Ops Team with an @paretohealth.com email address.Disclosures:ParetoHealth is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion (creed), gender, gender expression, age, national origin (ancestry), disability, marital status, sexual orientation, or military status, in any of its activities or operations. These activities include, but are not limited to, hiring and firing of staff, selection of volunteers and vendors, and provision of services. We are committed to providing an inclusive and welcoming environment for all members of our staff, clients, volunteers, subcontractors, vendors, and clients.California Applicants: See Pareto's CCPA Notice of Collection for California Employees and Applicants for information about how Pareto Captive Services, LLC, Pareto Health, LLC, and Pareto Underwriting Partners, LLC, together with their respective subsidiaries (collectively, "Pareto") collects and uses personal information submitted by employment applicants.