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Insurance Underwriter Jobs in Rhode Island (NOW HIRING)

HUB

Underwriter

Warwick, RI · Hybrid

PBC offers retail insurance agents innovative solutions through its general wholesale operation and niche programs. We are looking for an Underwriter to join our team on a Hybrid work schedule ...

HUB International Limited

Underwriter

Warwick, RI · On-site

PBC offers retail insurance agents innovative solutions through its general wholesale operation and niche programs. We are looking for an Underwriter to join our team on a Hybrid work schedule ...

FM

Senior Underwriting Specialist

Johnston, RI · On-site

$120K/yr

Established nearly two centuries ago, FM is a leading mutual insurance company whose capital ... Apply operations experience and technical underwriting expertise to key underwriting ...

Ourhrconnect

Manager, Underwriting

Carolina, RI · Hybrid

Develops corporate underwriting guidelines and strategies for risk acceptability. Description Why ... We are the largest insurance company in South Carolina ... and much more. We are one of the nation ...

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All JobsInsurance Underwriter JobsInsurance Underwriter Jobs in Rhode Island

Insurance Underwriter information

See Rhode Island salary details

$27.4K

$61K

$102.8K

How much do insurance underwriter jobs pay per year?

As of Aug 8, 2026, the average yearly pay for insurance underwriter in Rhode Island is $60,994.00, according to ZipRecruiter salary data. Most workers in this role earn between $43,100.00 and $81,800.00 per year, depending on experience, location, and employer.

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?

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 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 qualifications do I need for insurance underwriting?

Insurance underwriters typically need a bachelor's degree in fields such as finance, economics, or business. 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 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.

More about Insurance Underwriter jobs
What are the most commonly searched types of Insurance Underwriter jobs in Rhode Island? The most popular types of Insurance Underwriter jobs in Rhode Island are:
What are popular job titles related to Insurance Underwriter jobs in Rhode Island? For Insurance Underwriter jobs in Rhode Island, the most frequently searched job titles are:
What job categories do people searching Insurance Underwriter jobs in Rhode Island look for? The top searched job categories for Insurance Underwriter jobs in Rhode Island are:
What cities in Rhode Island are hiring for Insurance Underwriter jobs? Cities in Rhode Island with the most Insurance Underwriter job openings:
What are popular job titles related to Insurance Underwriter jobs in RI? For Insurance Underwriter jobs in RI, the most frequently searched job titles are:
Insurance Underwriter jobs near you
Infographic showing various Insurance Underwriter job openings in Rhode Island as of August 2026, with employment types broken down into 1% As Needed, 73% Full Time, 21% Part Time, and 5% Contract. Highlights an 91% Physical, 1% Hybrid, and 8% Remote job distribution, with an average salary of $60,994 per year, or $29.3 per hour.

Senior Insurance Agent

The Atlantic District

Cumberland, RI • On-site

$220K - $250K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 8 days ago

Job description

At The Atlantic District, we believe that insurance is about more than just policies; it is about people, relationships, and the peace of mind that comes from being well-prepared for life's unknowns. We are looking for a Senior Insurance Agent to join our close-knit office in Cumberland, Rhode Island, where we prioritize a supportive, collaborative culture over bureaucratic hurdles. You will step into a role that values your expertise, allowing you the autonomy to manage your clients with the care and precision they deserve. We have spent years building a reputation for integrity and responsiveness, and we are searching for someone who shares that same spirit of helpfulness and curiosity. Working here means you are part of a team that genuinely cheers for your successes and respects the balance between your professional goals and your personal life. If you thrive on solving complex problems and building deep, lasting connections within your community, you will find a truly welcoming home here with us at The Atlantic District.


Benefits

Annual Base Salary + Commission + Bonus Opportunities

Paid Time Off (PTO)

Dental Insurance

Vision Insurance

Life Insurance

Flexible Schedule

Health Insurance

Disability Insurance

Mon-Fri Schedule

Hands on Training

Parental Leave

Career Growth Opportunities

Retirement Plan


Responsibilities

Develop and maintain long-term relationships with a dedicated portfolio of clients throughout the Cumberland area.

Conduct thorough insurance coverage audits to identify gaps and offer tailored risk management solutions.

Negotiate policy terms and pricing directly with multiple carriers to ensure the best outcomes for your clients.

Collaborate with the broader office staff to streamline renewal processes and improve client retention.

Represent The Atlantic District at community events and local professional gatherings to expand our firm's footprint.

Stay updated on evolving legislative changes and market trends that impact our local insurance landscape.


Requirements

Active Property and Casualty Insurance Producer License in Rhode Island.

Minimum of five years of experience managing a diverse book of commercial and personal insurance business.

Advanced knowledge of underwriting guidelines and regional risk assessment.

Strong command of agency management systems and digital rating platforms.

Professional certification such as CIC or CPCU preferred.

Demonstrated ability to mentor junior staff and contribute to office strategy.