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Insurance Underwriter Jobs in Colorado (NOW HIRING)

MGT Insurance

Farm Underwriter

Denver, CO · On-site

About MGT Insurance MGT is the first AI-driven, neo-insurer focused on evolving commercial P&C ... Underwrite across the full spectrum of MGT's farm appetite: farm owners, farm property, farm ...

Auto-Owners Insurance

Underwriter

Broomfield, CO · On-site

$59K - $89K/yr

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 ...

MGT Insurance

Commercial Lines Underwriter

Denver, CO · On-site

$80K - $125K/yr

About MGT Insurance MGT is the first AI-driven, neo-insurer focused on evolving commercial P&C ... Apply MGT's underwriting guidelines to assess risk quality, class eligibility, coverage structure ...

The Hartford

Captives Underwriter

Greenwood Village, CO · Hybrid

$124K - $199K/yr

Senior Executive Underwriter - UW07CCExecutive Underwriter - UW07CD We're determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies.

Liberty Mutual

Underwriter, Environmental

Denver, CO · On-site

$65K - $168K/yr

Actively pursuing professional insurance designations * Ability to successfully develop and ... Demonstrated analytical ability to evaluate and judge underwriting risks within defined authority

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Insurance Underwriter information

See Colorado salary details

$29.4K

$65.5K

$110.4K

How much do insurance underwriter jobs pay per year?

As of Aug 22, 2026, the average yearly pay for insurance underwriter in Colorado is $65,492.00, according to ZipRecruiter salary data. Most workers in this role earn between $46,300.00 and $87,800.00 per year, depending on experience, location, and employer.

What is an insurance underwriter?

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 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 the key skills and qualifications needed to thrive as an insurance underwriter?

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 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 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.

Is it hard to become an insurance underwriter?

Becoming an insurance underwriter typically requires a bachelor's degree in a related field such as finance, business, or economics, along with strong analytical and decision-making skills. Gaining industry-specific knowledge through training or certification can also be beneficial, but the difficulty varies depending on individual background and experience.
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Insurance Underwriter jobs near you
Infographic showing various Insurance Underwriter job openings in Colorado as of August 2026, with employment types broken down into 1% As Needed, 75% Full Time, 19% Part Time, 1% Temporary, and 4% Contract. Highlights an 89% Physical, 1% Hybrid, and 10% Remote job distribution, with an average salary of $65,492 per year, or $31.5 per hour.

Commercial Insurance Underwriter Level 3

The Misch Group

Centennial, CO • On-site

$90 - $130/hr

Other

Posted 4 days ago

Job description

Position Overview

We are hiring an experienced Underwriter III to manage large, complex insurance accounts and mentor junior staff. This strategic role combines high-level risk assessment, independent underwriting, and leadership in marketing and client consultation.

Key Responsibilities
  • Lead underwriting of large accounts
  • Train and mentor junior underwriters
  • Conduct high-level risk assessments and site visits
  • Perform independent pricing, rating, and binding
  • Develop marketing presentations and represent the organization externally
  • Identify trends, support actuarial analysis, and drive retention
Qualifications
  • Bachelor’s Degree preferred
  • 8–10 years commercial insurance experience
  • Property & Casualty Producer License (or ability to obtain)
  • Valid Driver’s License
Nice-to-Have Qualifications
  • CIC, CRM, or ARM certifications
Ideal Candidate Profile

A senior-level underwriter with a consultative, strategic mindset who thrives in leadership and complex analysis. Comfortable both mentoring and independently underwriting high-exposure risk.

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