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Insurance Underwriter Jobs in Spring, TX (NOW HIRING)

The Hartford

Captives Underwriter

Houston, TX · 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.

Chubb

AVP, Executive Underwriter

Houston, TX · Hybrid

Understanding of financial statements and ratios used in risk analysis. - Understanding of insurance financial fundamentals; impact of underwriting decisions on company assets. Ability to understand ...

Chubb

AVP, Executive Underwriter

Houston, TX · On-site

Understanding of financial statements and ratios used in risk analysis. - Understanding of insurance financial fundamentals; impact of underwriting decisions on company assets. Ability to understand ...

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All JobsInsurance Underwriter JobsInsurance Underwriter Jobs in Spring, TX

Insurance Underwriter information

See Spring, TX salary details

$24.9K

$55.4K

$93.4K

How much do insurance underwriter jobs pay per year?

As of Aug 3, 2026, the average yearly pay for insurance underwriter in Spring, TX is $55,425.00, according to ZipRecruiter salary data. Most workers in this role earn between $39,200.00 and $74,300.00 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 Spring, TX? The most popular types of Insurance Underwriter jobs in Spring, TX are:
What are popular job titles related to Insurance Underwriter jobs in Spring, TX? For Insurance Underwriter jobs in Spring, TX, the most frequently searched job titles are:
What job categories do people searching Insurance Underwriter jobs in Spring, TX look for? The top searched job categories for Insurance Underwriter jobs in Spring, TX are:
What cities near Spring, TX are hiring for Insurance Underwriter jobs? Cities near Spring, TX with the most Insurance Underwriter job openings:
Insurance Underwriter jobs near you
Infographic showing various Insurance Underwriter job openings in Spring, TX as of July 2026, with employment types broken down into 1% As Needed, 73% Full Time, 21% Part Time, and 5% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $55,425 per year, or $26.6 per hour.

Builders Risk Senior Underwriter

Starr Insurance Companies

Houston, TX • On-site

$94K - $111K/yr

Full-time

Re-posted 5 days ago

Job description

Join Starr, a global leader in commercial insurance with over a century of expertise. We empower our employees to innovate, make impactful decisions, and build lasting client relationships worldwide. At Starr, you'll work in an entrepreneurial culture alongside accessible leaders, leveraging our financial strength and vast industry experience to deliver solutions for our clients, no matter how complex. Grow your career with a rapidly growing company that invests in its people and their ability to drive real progress.
We are seeking a highly experienced and dedicated Senior Underwriter specializing in Builders Risk Insurance. The successful candidate will play a pivotal role in evaluating and underwriting complex construction property and energy risks, developing and maintaining profitable underwriting portfolios, and providing technical guidance to junior underwriters. The ideal candidate will have extensive knowledge of construction insurance products, strong analytical skills, and a proven track record in risk assessment and management.
Key Responsibilities:
  • Evaluate, underwrite, and price complex Builders Risk insurance policies, ensuring adherence to company guidelines and regulatory requirements.
  • Analyze submissions, assess risk and determine appropriate terms and conditions.
  • Review and negotiate manuscript form wordings and coverages.
  • Develop and maintain strong relationships with brokers, agents, and clients to facilitate effective communication and support business growth.
  • Collaborate with the underwriting team to ensure consistency and accuracy in risk assessment and policy issuance.
  • Provide mentorship and technical guidance to junior underwriters, fostering a culture of continuous learning and professional development.
  • Monitor industry trends, market conditions, and competitor activities to identify opportunities and threats.
  • Participate in the development and implementation of underwriting strategies, policies, and procedures.
  • Ensure compliance with all internal and external regulations, standards, and best practices.

Qualifications:
  • Bachelor's degree in Business, Finance, Insurance, or a related field. Advanced degree or professional designations (e.g., CPCU, ARM) preferred.
  • Minimum of 5-7 years of experience in Builders Risk insurance underwriting, with a proven track record of success. Master Builders Risk underwriting experience preferred.
  • Experience underwriting primary, quota share and excess structures.
  • Proven ability to assess reinsurance needs and negotiate terms with reinsurance brokers and underwriters.
  • In-depth knowledge of construction projects, risk assessment, and insurance products.
  • Strong analytical, problem-solving, and decision-making skills.
  • Excellent communication, negotiation, and interpersonal skills.
  • Ability to work independently and as part of a team in a fast-paced, dynamic environment.
  • Proficiency in underwriting software and Microsoft Office Suite.

#LI-SB1
Starr is an equal opportunity employer, which means we'll consider all suitably qualified applicants regardless of gender identity or expression, ethnic origin, nationality, religion or beliefs, age, sexual orientation, disability status or any other protected characteristic. We recruit and develop our people based on merit and we're committed to creating an inclusive environment for all employees. We offer first class training and development opportunities to all employees. Our aim is to grow our own talent and bring out the best in people.

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