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Insurance Underwriter Jobs in Spring, TX (NOW HIRING)

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 ...

Ryan Specialty

Sr. Underwriter

Houston, TX

$94K - $111K/yr

Position Summary The Senior Energy Underwriter is responsible for managing a portfolio of energysector accounts and driving both new and renewal business opportunities across the energy insurance ...

Ryan Specialty

Sr. Underwriter

Houston, TX · On-site

$94K - $111K/yr

Position Summary The Senior Energy Underwriter is responsible for managing a portfolio of energy-sector accounts and driving both new and renewal business opportunities across the energy insurance ...

Ryan Specialty

Sr. Underwriter

Houston, TX

$94K - $111K/yr

Position Summary The Senior Energy Underwriter is responsible for managing a portfolio of energysector accounts and driving both new and renewal business opportunities across the energy insurance ...

AIG

Underwriter II, Energy

Houston, TX

$84K - $111K/yr

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

FocusOne Mortgage Solutions

Jr Underwriter

Houston, TX · On-site

Verify homeowners / hazard insurance (and flood or windstorm coverage where applicable), confirming ... One to three years of mortgage underwriting and/or loan processing experience, ideally including ...

New

FocusOne

Jr Underwriter

Houston, TX · On-site

Verify homeowners / hazard insurance (and flood or windstorm coverage where applicable), confirming ... One to three years of mortgage underwriting and/or loan processing experience, ideally including ...

New

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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 Jul 13, 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, 72% Full Time, 23% Part Time, and 4% Contract. Highlights an 90% Physical, 1% Hybrid, and 9% Remote job distribution, with an average salary of $55,425 per year, or $26.6 per hour.
AVP, Executive Underwriter

AVP, Executive Underwriter

Chubb

Houston, TX • On-site

Full-time

Re-posted 28 days ago

Chubb rating

8.2

Company rating: 8.2 out of 10

Based on 66 frontline employees who took The Breakroom Quiz

122nd of 281 rated insurance

Job description


KEY OBJECTIVES
To execute the CHUBB Westchester Specialty Casualty business unit strategy; product line responsibilities include Primary General Liability, Lead Umbrella, follow form Excess, and High Excess placements. As an underwriting member of the CHUBB Westchester Specialty Casualty Division, this position will work within their local team to achieve profitable underwriting results through the growth, development, servicing and underwriting of Excess and Surplus Lines business.
This position will be working directly with other CHUBB divisions toward driving profitable business development within the CHUBB Westchester Specialty Casualty Division. The position will work exclusively through contracted wholesale brokers. The CHUBB Westchester Specialty Casualty Division will provide a single source of access to CHUBB's broad domestic and international product and service offerings within the property and casualty underwriting disciplines.
Under limited supervision, primary responsibility is to underwrite individual risks; may also supervise employees.
MAJOR DUTIES & RESPONSIBILITIES
Duties may include but are not limited to:
  • Solicits new and renewal submissions from appointed wholesaler brokers.
  • Determines terms and conditions and complex rating plans.
  • Binds coverage.
  • Documents the underwriting files to company/division expectations.
  • Handles more complex files and portfolios within underwriting authority.

Position will be responsible for the following activities:
PROFITABILITY & PRODUCTION
  • Goal Achievement - Delivering upon the established New and Renewal business goals as provided by the Regional Underwriting Manager. This will include Premium projections as well as all Policy Acquisition Expense budgets.
  • Growth Strategies - Executing upon the assigned roles per the regional marketing plans and strategies. This includes:
    o Client & broker relations including sales calls & attendant strategies
    o Completing target account responsibilities & cross sell strategies
  • Underwriting Integrity - Achieving all underwriting standards as outlined by the CHUBB Westchester Specialty Casualty Division home office and all applicable Underwriting Guidelines, Authorities, and Position Papers. This includes:
    o Risk selection:
    - Fundamentals of coverage, terms and conditions. Ability to offer coverage, terms and conditions which generate a profit for the Company while meeting the needs of the customer.
    - Risk Assessment. Ability to identify risk exposures, special or common hazards, and appropriate controls. Ability to select risk based on exposure and risk analysis. Ability to analyze claims and quantify losses.
    - Financial proficiency. 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 credit risk
    Actuarial fundamentals. Ability to understand the basics of loss trends, loss triangles, and ratemaking. Ability to quantify risk based on experience history and forecasting methods.
    o Pricing & attachments including rate change goals:
    - Terms & conditions - understand and underwrite terms and conditions and underlying terms and conditions.
    - Marketing and Communications - Ability to sell and negotiate to achieve bottom line profitability for the Company. Ability to make presentations and communicate articulately. Ability to base communications on strategic thinking. Ability to manage producer strategy.
    - Systems and programs - Ability to use systems and software programs needed to conduct daily business.

BRANCH ADMINISTRATIVE
Ensuring the achievement of all divisional standards with regards to all administrative responsibilities as outlined in the CHUBB Westchester Specialty Casualty Operations Manual, including:
  • Accurate & timely policy issuance
  • Accurate billings
  • Manuscript form & endorsement processes
  • File construction and documentation

PERFORMANCE MEASURES
  • Performance will be measured by:
  • Achievement of premium goals & budgets
  • Adherence to underwriting goals, guidelines & objectives
  • Adherence to departmental workflow and service standards
  • Qualitative assessment of underwriting decisions
  • Results of internal and external underwriting audits
    o New business submission and quote activity
    o Marketing activity

Qualifications
The ideal candidate will have:
  • Minimum of 5-7 Years Underwriting Experience
  • Experience in underwriting wholesale general liability, umbrella and excess business
  • Construction underwriting experience preferred.
  • Insurance related business acumen
  • High level of product knowledge including:
    o Exposure analysis
    o Form & coverages
  • Rating principles and mechanics
  • Negotiation & presentation skills
  • Knowledge of wholesale casualty insurance industry
  • Proven broker relations & customer management skill set
  • Strong verbal and written communication skills
  • Strong organizational skills with attention to detail
  • Ability to work effectively in a team
  • Basic proficiency in Microsoft Word, Excel, Power Point

About Us
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.

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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