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Insurance Underwriter Jobs in Springfield, MA (NOW HIRING)

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Insurance Underwriter information

See Springfield, MA salary details

$27.9K

$62.1K

$104.7K

How much do insurance underwriter jobs pay per year?

As of Aug 17, 2026, the average yearly pay for insurance underwriter in Springfield, MA is $62,079.00, according to ZipRecruiter salary data. Most workers in this role earn between $43,900.00 and $83,200.00 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.

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.
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Cities near Springfield, MA with the most Insurance Underwriter job openings:

Insurance Underwriter jobs near you
Infographic showing various Insurance Underwriter job openings in Springfield, MA as of August 2026, with employment types broken down into 1% As Needed, 72% Full Time, 23% Part Time, and 4% Contract. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $62,079 per year, or $29.8 per hour.

Sr. Underwriting Strategy Analyst - Remote Opportunity

GuideOne Insurance

Hartford, CT • On-site, Remote

$81K - $130K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 21 hours ago

Job description


The Senior Underwriting Strategy Analyst supports the Director of Underwriting Strategy in driving portfolio performance, optimizing underwriting, and advancing strategic initiatives across the underwriting lifecycle. This role blends analytics, underwriting expertise, and cross-functional leadership to improve risk selection, profitability, and operational efficiency.

Accountabilities:

Underwriting Strategy & Portfolio Management

  • Support development and execution of underwriting strategies aligned to growth, profitability, and risk appetite goals
  • Analyze portfolio performance trends (loss ratio, hit rate, retention, pricing adequacy) and recommend actionable improvements
  • Monitor underwriting guidelines and identify opportunities for refinement based on emerging experience and market dynamics
  • Assist in segmentation strategies to optimize risk selection and pricing precision

Data Analysis & Insights

  • Conduct advanced data analysis to identify drivers of loss, profitability, and underwriting performance
  • Develop dashboards, scorecards, and reporting frameworks for leadership visibility
  • Partner with actuarial, data science, and finance teams to evaluate pricing models and assumptions
  • Translate complex data into clear, actionable recommendations for underwriting leadership

Underwriting Governance & Execution

  • Support governance frameworks including referral processes, authority structures, and underwriting controls
  • Perform audits and quality assurance reviews to ensure adherence to underwriting guidelines
  • Identify process gaps and recommend enhancements to improve consistency and decision quality

Cross-Functional Collaboration

  • Partner with Product, Actuarial, Claims, Distribution, and Operations to align strategy and execution
  • Contribute to product development, coverage enhancements, and market positioning initiatives
  • Support field underwriting teams with insights, tools, and strategic guidance

Process Improvement & Transformation

  • Identify and lead initiatives to streamline underwriting workflows and reduce friction
  • Support automation, digitization, and decision-support tool development
  • Drive continuous improvement in underwriting efficiency and scalability

Strategic Projects

  • Lead or support high-impact initiatives such as:
    • New program or segment launches
    • Profitability remediation strategies
    • Expansion into new markets or distribution channels
  • Prepare executive-level presentations and strategic recommendations

Qualifications:

Required

  • Bachelor’s degree in Finance, Economics, Risk Management, Data Analytics, or related field
  • 5+ years of experience in underwriting, underwriting strategy, or analytics within insurance
  • Strong understanding of underwriting principles, pricing dynamics, and risk selection
  • Advanced analytical skills (Excel, SQL, or similar tools; Tableau/Power BI preferred)
  • Demonstrated ability to translate data into business strategy

Preferred

  • Experience in commercial lines
  • Exposure to predictive modeling, pricing analytics, or portfolio optimization
  • Project management experience leading cross-functional initiatives
  • Professional designations (CPCU, ARM, ACAS/FCAS, etc.)

Core Competencies

  • Strategic thinking and problem-solving
  • Strong business and financial acumen
  • Executive communication and storytelling
  • Collaboration and stakeholder influence
  • Detail orientation with a results-driven mindset

Pay Range:

Anticipated Hiring Range:

  • $81,000 - $130,000 commensurate with experience

Get to Know GuideOne:

At GuideOne, we believe that our people are our greatest asset, and we foster a sense of collaboration among our team members so they can learn from and inspire one another to deliver excellence in risk solutions and services to our customers. For more than 75 years, we've established a reputation as a trusted partner in the communities where we live and work, and with our steadfast commitment to help make positive change possible, we're excited to see what we can accomplish during the next 75. Explore our values and culture, and learn why GuideOne might be a great fit for you!

GuideOne is proud to offer a robust benefits suite that includes:

  • Competitive base salary plus incentive plans for eligible team members.
  • 401(K) retirement plan that includes a company match of up to 6% of your eligible salary.
  • Free Basic Life and AD&D, long-term disability and short-term disability insurance.
  • Medical, dental and vision plans to meet your unique healthcare needs.
  • Wellness incentives
  • Generous time off program including; personal, holiday, and volunteer paid time off.
  • Flexible work schedules and hybrid/remote options for eligible positions.
  • Educational assistance program.

#GuideOne