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Insurance Underwriter Jobs in Rochester, NY (NOW HIRING)

PREMIUM MORTGAGE CORPORATION

Underwriter

Rochester, NY · On-site

$72K - $90K/yr

The Underwriter is responsible for evaluating risk and making loan decisions based on existing ... insured mortgages * Meets the required KPI standards for the position (6 units per day based on ...

Genesee Regional Bank

Underwriter

Rochester, NY · On-site

$38.46 - $43.25/hr

Underwrite Conventional mortgage loans pursuant to secondary market guidelines. * Underwrite residential portfolio loans. * Underwrite home equity loans and lines, providing approvals within ...

Genesee Regional Bank

Underwriter

Rochester, NY

$38.46 - $43.25/hr

Underwrite residential mortgage loans for sale in the secondary market, as well as portfolio mortgages, home equity loans/lines. ESSENTIAL FUNCTIONS: * Underwrite Conventional mortgage loans pursuant ...

Genesee Regional Bank

Senior Underwriter

Rochester, NY

$43.26 - $48.08/hr

Underwrite Conventional and Government (FHA, VA, USDA) residential mortgage loans for sale in the secondary market, as well as Non-QM, GRB Portfolio Loans, Construction loans, and home equity lines ...

Genesee Regional Bank

Senior Underwriter

Rochester, NY · On-site

$43.26 - $48.08/hr

Underwrite Conventional and Government (FHA, VA, USDA) residential mortgage loans for sale in the secondary market, as well as Non-QM, GRB Portfolio Loans, Construction loans, and home equity lines ...

NBT Bank

Home Lending Loan Underwriter

Fairport, NY

$27.18 - $36.25/hr

Pay Range: $27.18 - $36.25 Responsible for underwriting equity or mortgageloan applications ... Strong personal and/or real estate lending background, including various Investor and Insurer ...

BHIRED

Commercial Insurance Supervisor

Farmington, NY · On-site

$150K - $200K/yr

Team Lead/Senior Underwriter An insurance company is seeking a team lead/senior underwriter with strong commercial insurance experience to join their management team. The ideal candidate will oversee ...

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All JobsInsurance Underwriter JobsInsurance Underwriter Jobs in Rochester, NY

Insurance Underwriter information

See Rochester, NY salary details

$27.6K

$61.5K

$103.6K

How much do insurance underwriter jobs pay per year?

As of Jul 28, 2026, the average yearly pay for insurance underwriter in Rochester, NY is $61,480.00, according to ZipRecruiter salary data. Most workers in this role earn between $43,400.00 and $82,400.00 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 Rochester, NY? The most popular types of Insurance Underwriter jobs in Rochester, NY are:
What are popular job titles related to Insurance Underwriter jobs in Rochester, NY? For Insurance Underwriter jobs in Rochester, NY, the most frequently searched job titles are:
What job categories do people searching Insurance Underwriter jobs in Rochester, NY look for? The top searched job categories for Insurance Underwriter jobs in Rochester, NY are:
What cities near Rochester, NY are hiring for Insurance Underwriter jobs? Cities near Rochester, NY with the most Insurance Underwriter job openings:
Insurance Underwriter jobs near you
Infographic showing various Insurance Underwriter job openings in Rochester, NY as of July 2026, with employment types broken down into 1% As Needed, 70% Full Time, 22% Part Time, and 7% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $61,480 per year, or $29.6 per hour.
Senior Underwriter, Commercial Insurance Specialty

Senior Underwriter, Commercial Insurance Specialty

Chubb

Rochester, NY • On-site

$114K - $194K/yr

Full-time

Posted 22 days ago

Chubb rating

8.2

Company rating: 8.2 out of 10

Based on 66 frontline employees who took The Breakroom Quiz

136th of 299 rated insurance

Job description

As a Senior Underwriter, responsibilities will include managing a renewal book and generating new business.  The position will be responsible for driving profitable growth with assigned agents and brokers.  Products include Package, Property, General Liability, Auto, Worker's Compensation, Umbrella/Excess and International.  Programs are guaranteed cost and Loss Sensitive structures.  We are looking for a candidate who is highly motivated, results oriented, with solid business and underwriting acumen.

Knowledge, Skills, and Abilities Required:

  • Candidate will have experience in both Property & Casualty lines of business.  Familiarity with global programs is a plus.
  • Underwriting duties will include developing and negotiating price, coverage, terms and conditions for all new business and renewals while actively identifying account rounding opportunities for other Chubb practices.
  • This position must collaborate with other underwriters, operations, claims, marketing, and home office management as necessary.  The underwriter must implement and manage effective pricing and rate strategies that will produce profitability, book growth, and successful producer relations.
  • Strong sales and marketing skills are critical; must be able to demonstrate successful agency and broker management, including building, maintaining and managing producer and customer relationships.
  • Ability to identify opportunities for growth within new and existing production sources.
    Knowledge of marketing principles, pricing/rate strategies and how to apply them to attain underwriting profit.
  • Candidate must possess a high degree of proficiency with the underwriting process, with a solid background in risk analysis.
  • Candidate must have ability to effectively interact with all levels of customers and collaborate with a team of underwriters, claims and loss control personnel.
  • Knowledge and proficiency with technical issues, compliance, coverage, products and pricing strategies expected.
Chubb is a world leader in insurance. With operations in 54 countries, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance, and life insurance to a diverse group of clients. The company is distinguished by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength, underwriting excellence, superior claims handling expertise and local operations globally.

At Chubb, we are committed to equal employment opportunity and compliance with all laws and regulations pertaining to it. Our policy is to provide employment, training, compensation, promotion, and other conditions or opportunities of employment, without regard to race, color, religious creed, sex, gender, gender identity, gender expression, sexual orientation, marital status, national origin, ancestry, mental and physical disability, medical condition, genetic information, military and veteran status, age, and pregnancy or any other characteristic protected by law. Performance and qualifications are the only basis upon which we hire, assign, promote, compensate, develop and retain employees. Chubb prohibits all unlawful discrimination, harassment and retaliation against any individual who reports discrimination or harassment.
  • 3+ years of experience.
  • Must have proven marketing and negotiation skills
  • Strong communication, interpersonal and time management skills

The pay range for the role is $114,600 to $194,800. The specific offer will depend on an applicant's skills and other factors. This role may also be eligible to participate in a discretionary annual incentive program.  Chubb offers a comprehensive benefits package, more details on which can be found on our careers website.  The disclosed pay range estimate may be adjusted for the applicable geographic differential for the location in which the position is filled.

What Chubb employees say

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About Chubb

Sourced by ZipRecruiter

Chubb is the world's largest publicly traded property and casualty insurer. With operations in 54 countries, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. We are a unique global organization with a culture of individuals passionately committed to our respective crafts. With underwriting at our core, each of us contributes to providing the best insurance coverage and service to our clients. Our highly collaborative, inclusive nature helps us drive better business outcomes through diversity of background, experiences, insights and values.

Industry

Insurance services

Company size

10,000+ Employees

Headquarters location

Warren, NJ, US

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