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Insurance Underwriter Jobs in Edison, NJ (NOW HIRING)

USI Insurance Services

Underwriter II - LPL

Matawan, NJ · On-site

$56 - $66/hr

Provide appropriate insurance products to clients. Generate profit in accordance with company goals ... Underwrite and price exposures in accordance with filed and approved program rate levels and ...

PURE Insurance

Underwriter - New York Metro

New York, NY · On-site

$70K - $85K/yr

What You'll Need You have at least 3 years of P&C insurance experience, preferably underwriting in the high net worth space. You are comfortable owning a book of business. Direct, empathetic ...

AIG

Senior Underwriter, Specialty Lines

New York, NY · On-site

$85K - $104K/yr

Make your mark in Underwriting AIG underwriting teams help to find insurance solutions in areas including Financial Lines, Property, Casualty, Specialty Lines, Cyber and Multinational Clients. We are ...

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All JobsInsurance Underwriter JobsInsurance Underwriter Jobs in Edison, NJ

Insurance Underwriter information

See Edison, NJ salary details

$28.4K

$63.2K

$106.5K

How much do insurance underwriter jobs pay per year?

As of Sep 5, 2026, the average yearly pay for insurance underwriter in Edison, NJ is $63,163.00, according to ZipRecruiter salary data. Most workers in this role earn between $44,600.00 and $84,700.00 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.
More about Insurance Underwriter jobs

What are the most commonly searched types of Insurance Underwriter jobs in Edison, NJ?

The most popular types of Insurance Underwriter jobs in Edison, NJ are:

What cities near Edison, NJ are hiring for Insurance Underwriter jobs?

Cities near Edison, NJ with the most Insurance Underwriter job openings:

Insurance Underwriter jobs near you
Infographic showing various Insurance Underwriter job openings in Edison, NJ as of August 2026, with employment types broken down into 1% As Needed, 74% Full Time, 20% Part Time, and 5% Contract. Highlights an 85% Physical, 1% Hybrid, and 14% Remote job distribution, with an average salary of $63,133 per year, or $30.4 per hour.

Underwriter II - LPL

USI Insurance Services

Matawan, NJ • On-site

$56 - $66/hr

Other

Medical, Dental, Vision, Life, Retirement, PTO

Posted 4 days ago

USI Insurance Services rating

8.9

Company rating: 8.9 out of 10

Based on 69 frontline employees who took The Breakroom Quiz

50th of 315 rated insurance

Job description

General Description

Assess risks of an intermediate nature, develop, and negotiate premiums. Manage relationships with brokers and carriers. Provide appropriate insurance products to clients. Generate profit in accordance with company goals.

Responsibilities
  • Under limited supervision, analyze and determine the acceptability of risks. Includes evaluating the application, website, claims history, and file notes.
  • Obtain supplementary information as needed to underwrite policy.
  • Determine the desirability of accepting or rejecting risks within program guidelines.
  • Coordinate risk assessment with Underwriting team as needed.
  • Underwrite and price exposures in accordance with filed and approved program rate levels and guidelines. Bring policy to completion with recommending and binding coverage, invoicing, and policy issuance.
  • Identify the need, order, and evaluate additional risk assessment information.
  • Communicate with agents to obtain supplemental underwriting information as needed.
  • Analyze and rate endorsement requests.
  • Issue and track conditional/non-renewal notices and cancellations. Adhere to regulatory compliance.
  • Maintain knowledge of policy terms and endorsements.
  • Assist manager in establishing underwriting policy and procedures.
  • May require some travel for educational development or client relationship building.
Knowledge, Skills and Abilities
  • 3 years+ underwriting experience.
  • High school diploma or equivalent required.
  • For direct client service/underwriting, Property & Casualty and/or appropriate business licensure is required.
  • Broad knowledge of insurance industry.
  • Ability to negotiate with strong mathematical skills.
  • Strong written and verbal communication skills.
  • Working knowledge of Microsoft Office suite of products.
  • Proficiency in utilizing company systems.
  • Strong organizational and analytical skills with attention to detail and accuracy.
  • Strong research skills to troubleshoot customer problems.
  • Ability to travel 10% of the time.
    #LI-CG3
    #LI-Hybrid

USI is committed to providing a full-suite of competitive benefits for our growing population and its diverse needs. We offer a wide range of health, welfare and financial benefits including medical, wellness, dental and vision, 401(k), flexible spending and health savings accounts, short and long-term disability, life insurance and other unique employer-sponsored and voluntary programs. USI also offers a generous paid time off policy, paid family leave benefit as well as paid holiday time.

Salary Range: $56,000-$66,000 (depends on experience). This is a bonus-eligible position with a target incentive of 5%.

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