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Insurance Underwriter Jobs in Reno, NV (NOW HIRING)

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Insurance Underwriter information

See Reno, NV salary details

$27.9K

$62.1K

$104.7K

How much do insurance underwriter jobs pay per year?

As of Aug 7, 2026, the average yearly pay for insurance underwriter in Reno, NV is $62,100.00, according to ZipRecruiter salary data. Most workers in this role earn between $43,900.00 and $83,300.00 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 Reno, NV? The most popular types of Insurance Underwriter jobs in Reno, NV are:
What are popular job titles related to Insurance Underwriter jobs in Reno, NV? For Insurance Underwriter jobs in Reno, NV, the most frequently searched job titles are:
What cities near Reno, NV are hiring for Insurance Underwriter jobs? Cities near Reno, NV with the most Insurance Underwriter job openings:
Insurance Underwriter jobs near you
Infographic showing various Insurance Underwriter job openings in Reno, NV as of August 2026, with employment types broken down into 88% Full Time, 6% Part Time, and 6% Contract. Highlights an 88% In-person, 6% Hybrid, and 6% Remote job distribution, with an average salary of $62,100 per year, or $29.9 per hour.

Underwriter - Personal Lines

Capital Insurance Group

Reno, NV • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 24 days ago

Job description

Why CIG?
At Capital Insurance Group we offer our employees more than just a job. We foster career growth, provide opportunities to give back to our communities, and help you take the next step in your career!
CIG was founded in 1898 by a group of earnest farmers in need of protection and today, we are the leading West Coast Property & Casualty insurer. CIG is certified as a Great Place to Work and provides a collaborative, inclusive, and fun work culture for all employees.
Why Choose CIG's Personal Lines Underwriting Team?
This is your perfect opportunity to join a company that is building momentum with our independent agents and protecting the dreams and assets of our policyholders. Join the CIG Underwriting team in helping build a safer world where dreams soar!
Benefits
  • Accrue twenty-one days of Paid Time Off during your first year
  • Up to eighty-seven percent of benefits are covered by CIG for you and your family members
    • Medical, Dental, Vision plans, Telehealth
  • One hundred percent covered plans
    • Basic Life & AD&D
    • Employee Assistance
    • Leave Management
    • Long Term Disability
    • Short Term Disability (Outside of CA)
    • Employee Benefit Advocacy Hot Line
  • Family Caregiver Support (Homethrive)
  • Child Care Resources (Tootris)
  • Business Travel Accident Protection
  • Voluntary benefit offerings
    • Short-term Disability (CA only)
    • Voluntary Life AD&D self, spouse, and child plans
    • Flexible Spending (FSA)
    • Health Savings (HSA)
    • Hospital Indemnity
    • Accidental Injury
    • Pet Insurance
    • Commuter Benefit
  • Critical Illness
  • ARAG Legal Services
  • Norton LifeLock
  • Nine paid holidays, plus two floating holidays
  • Above and Beyond Reward Recognition Program
    • Kudos & Shout Out Points Program
    • Quarterly Above and Beyond Bonus Program
    • Annual Above and Beyond Bonus Program
  • Competitive compensation
    • Base compensation
    • Salary Management Spot Bonuses
    • Annual Incentive/Profit sharing program, potential payout annually based on company results.
  • Discount partnerships
    • Gym memberships, credit union, travel, shopping, restaurants, theme parks, and more
  • Insurance, educational reimbursement, and bonus programs
  • Employee Referral Bonus Program
  • Home and Auto Insurance Discount Program.
  • Paid Volunteer Time - Through company-planned community events and choose your own adventure PVT in giving back in ways that are meaningful to you!
  • Retirement savings benefit (401k and Roth + match)
  • Health & Financial Wellness
    • Wellness platform, tools, and events - Vitality
    • Health Savings Account - match
    • Financial Wellness Resources

Work Environment & Format
This is a hybrid-eligible position, where Monday through Wednesday would be working in one of our offices, with Thursday and Friday eligible for work-from-home days. Office locations include: Reno (NV), Monterey (CA), Roseville (CA), and Phoenix (AZ).
Overview
The Personal Lines Underwriter is responsible for maintaining an underwriting desk which includes the individual risk selection according to company guidelines. In addition, the role requires maintaining profitability, establishing strong internal as well as external customer relationships. The position will provide knowledge of underwriting appetite and company philosophy to our agency partners. The individual will participate in audits and special projects as needed to facilitate the continued growth and renewal profitability goals. This person will work closely with the Underwriting Supervisor on any matters related to Personal Lines Underwriting.
Responsibilities
  • Review and maintain agency management practices for assigned agents, utilizing this information for respective file decisions and quarterly agency reviews.
  • Complete drafts for Department of Insurance complaints with the assistance of the PL Underwriting Supervisor
  • Complete underwriting and file reviews on referred new business, endorsements, inspections, CRU Claim Report to Underwriting, and renewal questionnaires.
  • Field incoming phone calls and email messages from agents to provide underwriting answers to inquiries and service for the assigned territory.
  • Achieve annual growth, loss ratio, retention and time service goals
  • Agency Management - Use of APS Agency Profile System and regular contact with ADM Agency Development Manager in a mutual partnership to facilitate production.
  • Undertakes special projects as requested by management. May participate in audit and quality control reviews.
  • Job description is not prescriptive, but rather a guide as to the duties and responsibilities you will have, however it is not limited to the listed above.

Requirements
  • Knowledge of insurance industry terminology and laws
  • General policies and procedures for underwriting personal lines insurance risks
  • A college degree is preferred with 3 years' experience as a Personal Lines underwriter or equivalent experience.
  • Demonstrated ability to apply sound underwriting principles in a professional, consultative manner.
  • Excellent verbal and written skills are required.
  • Continued personal development in insurance courses is desirable.
  • Experience with automated underwriting and rating systems.
  • Experience with Microsoft software including Word, Excel, Outlook and Power Point
  • Candidates must be authorized to work in the United States without the need for current or future visa sponsorship.

Career Path potential:
  • Sr. Underwriter - Personal Lines

Salary Range: $55,012.00 - $91,687.00
The salary range listed here has been provided to comply with local regulations and represents a potential base salary range for this role. Please note that actual salaries may vary within the range above or below, depending on experience and location. We look at compensation for each individual and base our offer on your unique qualifications, experience, and expected contributions. This position may also be eligible for other types of compensation in addition to base salary, such as benefits and bonus programs.

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