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Insurance Underwriter Jobs in Alabama (NOW HIRING)

Auto-Owners Insurance

Underwriter

Montgomery, AL · On-site

Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated underwriting trainee to join our team. This job performs and applies insurance coverage, rules and guidelines to execute ...

Amwins

Insurance Associate Underwriter

Birmingham, AL · On-site

Prior insurance experience is a plus! * Eagerness to learn and grow as a team * Exceptional ... Rate and prepare new or renewal quotes as directed by Underwriter * Review and handle inspection ...

UFG Insurance

Sr Production Underwriter

Birmingham, AL

$103K - $136K/yr

Advanced risk evaluation skills and insurance contract knowledge. * Capability to execute current underwriting strategy for assigned territory to make effective underwriting decisions. * Strong ...

Berkley

Associate Underwriter

Homewood, AL

Berkley Industrial Comp Berkley Industrial Comp's (BIN) underwriting department focuses on workers' compensation insurance, partnering closely with underwriting and business engagement teams to ...

Berkley

Associate Underwriter

Homewood, AL

Company Details Berkley Industrial Comp Berkley Industrial Comp's (BIN) underwriting department focuses on workers' compensation insurance, partnering closely with underwriting and business ...

Berkley

Associate Underwriter

Homewood, AL · On-site

Company Details Berkley Industrial Comp Berkley Industrial Comp's (BIN) underwriting department focuses on workers' compensation insurance, partnering closely with underwriting and business ...

Chubb

Executive Underwriter

Vestavia Hills, AL · On-site

Chubb is a world leader in insurance. With operations in 54 countries, Chubb provides commercial ... Minimum of 3-5 Years Underwriting Experience with strong knowledge of Private/NFP products ...

Renasant Bank

Staff Underwriter

Birmingham, AL · On-site

Staff Underwriter Job ID 2026-15573 Job Locations US-AL-Birmingham Overview The Staff Underwriter ... Insure flood certification is received and correct data entered in LOS system * Order private ...

Renasant Bank

Staff Underwriter

Birmingham, AL · On-site

Underwrite all above loans for retail branches and wholesale customers in all lending areas ... Insure flood certification is received and correct data entered in LOS system * Order private ...

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All JobsInsurance Underwriter JobsInsurance Underwriter Jobs in Alabama

Insurance Underwriter information

See Alabama salary details

$25.4K

$56.5K

$95.2K

How much do insurance underwriter jobs pay per year?

As of Jul 28, 2026, the average yearly pay for insurance underwriter in Alabama is $56,452.00, according to ZipRecruiter salary data. Most workers in this role earn between $39,900.00 and $75,700.00 per year, depending on experience, location, and employer.

Is underwriting in insurance a good career?

Insurance underwriting is a stable career that involves evaluating risks and determining policy terms, often requiring analytical skills and attention to detail. It offers opportunities for advancement, professional certification, and a consistent work environment, making it a viable option for those interested in finance and risk management.

What does an insurance underwriter do?

An insurance underwriter evaluates applications for insurance coverage and determines the level of risk involved in insuring a person or asset. They review information such as application forms, medical records, and financial documents to decide whether to offer insurance and at what premium rate. Underwriters play a crucial role in helping insurance companies set appropriate coverage terms and minimize potential losses. Their work ensures that the company remains profitable while providing fair and accurate coverage to clients.

What are some common challenges insurance underwriters face in balancing risk and customer satisfaction?

Insurance underwriters often face the challenge of assessing risks accurately while maintaining competitive offerings that satisfy clients. Striking the right balance can be difficult, as being too cautious may result in lost business, while being overly lenient can lead to unprofitable claims. Underwriters must stay current with industry trends, regulations, and risk assessment tools, and they frequently collaborate with agents and actuaries to ensure sound decisions. Effective communication and analytical skills are essential to navigate these competing demands and to help build long-term client relationships.

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

To thrive as an Insurance Underwriter, you need strong analytical skills, attention to detail, and a solid understanding of finance and risk assessment, often supported by a bachelor's degree in business, finance, or related fields. Familiarity with underwriting software, risk management systems, and relevant certifications like Chartered Property Casualty Underwriter (CPCU) is typically required. Excellent communication, decision-making, and negotiation skills help underwriters explain policies and collaborate effectively with agents and clients. These skills are vital for accurately assessing risk, ensuring profitability, and maintaining strong client relationships in the insurance industry.

What qualifications do I need to be an underwriter?

To become an insurance underwriter, a bachelor's degree in fields such as finance, economics, or business is typically required. Relevant skills include strong analytical abilities, attention to detail, and knowledge of insurance policies and risk assessment. Professional certifications like the Chartered Property Casualty Underwriter (CPCU) can enhance job prospects.

What Are Insurance Underwriters?

Insurance underwriters evaluate insurance policy applications, assess the risk, and make recommendations for coverage and premium pricing to insurance issuers. As an insurance underwriter, you use computer software and specific criteria to assess risk and establish pricing and research other factors such as market trends and equity values to provide data to support your recommendations. You determine if the policy will likely be a good financial investment for the insurance provider.

What do you do as an insurance underwriter?

An insurance underwriter evaluates insurance applications to determine coverage eligibility and premium rates based on risk assessment. They review applicant information, analyze data, and ensure policies comply with company standards, often using specialized software. Strong analytical skills and knowledge of insurance policies are essential for this role.

What is the difference between Insurance Underwriter vs Claims Adjuster?

AspectInsurance UnderwriterClaims Adjuster
Primary RoleAssess risk and determine policy termsEvaluate insurance claims and determine payouts
Required CredentialsTypically requires a bachelor's degree; certifications like CPCU are commonOften requires a bachelor's degree; certifications like AIC or CPCU are beneficial
Work EnvironmentOffice-based, analyzing data and risk factorsField and office-based, investigating claims and interviewing claimants
Industry UsageUsed across insurance companies for policy issuanceUsed for claims processing and settlement

Both roles are integral to the insurance industry, with underwriters focusing on risk assessment before policy issuance, and claims adjusters handling claims after a loss occurs. While their work environments and responsibilities differ, they often require similar credentials and certifications, making them closely related career paths within insurance companies.

How much do you get paid for an insurance underwriter?

Insurance underwriters typically earn a median annual salary of around $70,000, with salaries ranging from approximately $50,000 to over $100,000 depending on experience, location, and industry. Entry-level underwriters may start lower, while experienced professionals or those in specialized fields can earn higher wages, often supplemented by certifications and advanced skills.
More about Insurance Underwriter jobs
What are the most commonly searched types of Insurance Underwriter jobs in Alabama? The most popular types of Insurance Underwriter jobs in Alabama are:
What are popular job titles related to Insurance Underwriter jobs in Alabama? For Insurance Underwriter jobs in Alabama, the most frequently searched job titles are:
What job categories do people searching Insurance Underwriter jobs in Alabama look for? The top searched job categories for Insurance Underwriter jobs in Alabama are:
What cities in Alabama are hiring for Insurance Underwriter jobs? Cities in Alabama with the most Insurance Underwriter job openings:
What are popular job titles related to Insurance Underwriter jobs in AL? For Insurance Underwriter jobs in AL, the most frequently searched job titles are:
Insurance Underwriter jobs near you
Infographic showing various Insurance Underwriter job openings in Alabama as of July 2026, with employment types broken down into 1% As Needed, 71% Full Time, 22% Part Time, and 6% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $56,452 per year, or $27.1 per hour.

Senior Underwriter - Strategic Growth & Risk

South Shore Insurance Underwriters

Daphne, AL • On-site

$85K - $101K/yr

Full-time

Retirement, PTO

Posted 18 days ago

Job description

Required Experience
  • Must have 5+ years of Property & Casualty underwriting experience - homeowners, dwelling property, personal lines, commercial property, or specialty/E&S lines.
  • Experience evaluating new business, renewals, endorsements, and policy changes
  • Experience working directly with independent insurance agents
  • Experience making underwriting decisions within established authority limits

***This is not an entry-level underwriting role. We are seeking an experienced underwriter who can independently evaluate risk, build agency relationships, and contribute to profitable portfolio growth.***
The Opportunity
Most underwriting roles ask you to manage a book. This one asks you to shape one. At South Shore Insurance Underwriters, you won't just evaluate individual risks - you'll help define what a healthy, growing portfolio looks like, influence the relationships that drive it, and contribute to the strategy that sustains it.
We're looking for someone who sees the connection between a single underwriting decision and the long-term trajectory of a territory. Someone who brings intellectual curiosity to complex risks, builds genuine trust with agency partners, and isn't satisfied with just clearing the queue - they want to understand why the queue exists and how to make it better.
What You'll Own
  • Translate risk analysis into portfolio-level decisions - evaluating new business, renewals, endorsements, and complex submissions with an eye toward long-term profitability, not just individual acceptability.
  • Be the strategic underwriting voice for your territory - acting as a trusted advisor to agency partners, not just a decision-maker. Provide coverage guidance, creative solutions, and market insights that make agents want to bring you their best business.
  • Turn market intelligence into underwriting strategy - monitoring trends, competitor activity, and emerging risks, then connecting those signals to how you approach your book.
  • Identify growth opportunities others miss - recognizing patterns across submissions, agency relationships, and portfolio data that point to where profitable expansion is possible.
  • Drive continuous improvement - collaborating with leadership to sharpen underwriting processes, surface workflow inefficiencies, and contribute ideas that make the entire operation smarter.
  • Exercise confident judgment on complex and non-standard risks - knowing when to find a creative path forward and when to hold the line.

How You Think
This role is built for a specific kind of thinker. You might be the right fit if:
  • You zoom out before you zoom in - you can assess a single risk while keeping the portfolio implications in view.
  • You connect dots across information - an unusual submission, a shift in agent behavior, a regional weather pattern - and you know what those signals mean together.
  • You're energized by complexity, not slowed by it. Ambiguous risks are interesting puzzles, not obstacles.
  • You build real relationships, not transactional ones. Agents trust you because you bring them value, not just decisions.
  • You have a bias toward improvement - you naturally ask "why does this work this way?" and "what would make this better?"
  • You balance conviction with humility - you're decisive, but you know what you don't know.

What You Bring
  • A track record of building strong agency relationships and delivering decisions agents rely on.
  • Sharp analytical instincts paired with clear, confident communication - written and verbal.
  • Comfort working independently in a remote environment, with the discipline to manage competing priorities without losing quality.
  • CPCU, CIC, AINS, CRM, or other insurance designations are a plus - but intellectual curiosity matters more than credentials.
  • Excess & Surplus Lines experience is valued but not required.
  • Bachelor's degree in Business, Risk Management, or a related field preferred.

Why South Shore
We believe our success starts with our people. We are committed to creating an environment where coworkers feel valued, supported, and empowered to make a meaningful impact. In return for your hard work, dedication, and commitment to excellence, we provide opportunities to grow professionally, contribute innovative ideas, and build a rewarding career in a collaborative and supportive environment. Our coworkers enjoy competitive compensation, comprehensive benefits, generous paid time off, wellness and mental health resources, paid parental leave, and a 401(k) with company matching contributions. We recognize that work is only one part of a fulfilling life and strive to support the well-being of our coworkers both inside and outside the workplace. Our culture is built on trust, transparency, teamwork, and continuous improvement. We encourage coworkers to act with integrity, embrace challenges and innovation, and work together by supporting one another and sharing success. At South Shore Insurance, you are more than an employee-you are a valued member of a team that invests in your growth, celebrates your contributions, and empowers you to help shape the future of our organization.
If you're looking for a role where your thinking shapes outcomes beyond the next submission - we'd love to talk.
SSIU is an Equal Opportunity Employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, veteran status, or any other protected status.

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