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Insurance Underwriting Jobs (NOW HIRING)

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Insurance Underwriting AI Expert

$100 - $120/hr

US, UK, Canada, France, Portugal (remote) We are seeking a highly motivated Insurance Underwriting AI Expert to join our growing team. This role sits at the intersection of insurance domain expertise ...

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Insurance Underwriting information

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How much do insurance underwriting jobs pay per year?

As of Jun 18, 2026, the average yearly pay for insurance underwriting in the United States is $43,000.00, according to ZipRecruiter salary data. Most workers in this role earn between $41,500.00 and $44,500.00 per year, depending on experience, location, and employer.

What is the difference between Insurance Underwriting vs Insurance Claims Adjuster?

AspectInsurance UnderwritingInsurance Claims Adjuster
Primary RoleAssess risk and determine policy eligibility and premiumsEvaluate insurance claims to determine coverage and settlement
Required CredentialsTypically requires a bachelor's degree; certifications like CPCU are commonHigh school diploma or bachelor's; certifications like AIC or CPCU beneficial
Work EnvironmentOffice-based, analyzing data and risk factorsField and office-based, inspecting damages and interviewing claimants
Industry UsageUsed across insurance companies for policy issuanceUsed for claims processing and settlement

Insurance Underwriting and Insurance Claims Adjuster roles are both vital in the insurance industry but focus on different stages. Underwriters assess risk before policy issuance, while claims adjusters evaluate claims after a loss occurs. Both roles require analytical skills and industry knowledge, but their daily tasks and responsibilities differ significantly.

What are insurance underwriters?

Insurance underwriters are professionals who evaluate the risks of insuring people or assets and determine the terms and pricing of insurance policies. They analyze information provided by applicants, such as health records or property details, and use specialized software and guidelines to assess risk levels. Based on this assessment, underwriters decide whether to approve or reject applications, and set coverage amounts and premiums. Their work helps insurance companies maintain profitability while offering fair coverage to customers.

What qualifications do you need to be an insurance underwriter?

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 underwriting software; professional certifications like the Chartered Property Casualty Underwriter (CPCU) can also enhance job prospects.

How does an insurance underwriter typically collaborate with agents and other departments during the policy approval process?

Insurance underwriters frequently work closely with insurance agents, sales teams, and risk assessment departments to evaluate applications and ensure policies meet company guidelines. This collaboration often involves clarifying applicant information, discussing unique or complex risks, and negotiating coverage terms to balance client needs with the insurer's risk tolerance. Effective communication is key, as underwriters must provide timely decisions and clear explanations to support both customer satisfaction and organizational objectives. Teamwork is essential, especially when dealing with high-value or unusual cases that require input from multiple experts.

Is insurance underwriting 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 typically follows a standard work schedule, making it a viable option for those interested in finance and risk management.

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 risk assessment, typically supported by a bachelor’s degree in finance, business, or a related field. Familiarity with underwriting software, risk evaluation tools, and sometimes industry certifications like CPCU (Chartered Property Casualty Underwriter) is common. Excellent decision-making, communication, and negotiation skills help underwriters collaborate with agents and clients and make sound judgments. These skills ensure accurate risk evaluation, profitable policy decisions, and strong client relationships in a highly regulated industry.

Do underwriters make 6 figures?

Insurance underwriters typically earn salaries below six figures, with median annual pay around $70,000 to $80,000. High-level or specialized underwriters with extensive experience or in senior roles may approach or exceed six-figure earnings, especially with bonuses or in certain industries.

What does an insurance underwriter actually do?

An insurance underwriter evaluates insurance applications to determine the risk level and decide whether to approve coverage and at what premium. They analyze factors such as applicant information, policy details, and industry data, often using specialized software, to ensure the company's profitability and risk management. Strong analytical skills and knowledge of insurance policies are essential for this role.
More about Insurance Underwriting jobs
What cities are hiring for Insurance Underwriting jobs? Cities with the most Insurance Underwriting job openings:
What are the most commonly searched types of Insurance Underwriting jobs? The most popular types of Insurance Underwriting jobs are:
What states have the most Insurance Underwriting jobs? States with the most job openings for Insurance Underwriting jobs include:
What job categories do people searching Insurance Underwriting jobs look for? The top searched job categories for Insurance Underwriting jobs are:
Insurance Underwriting jobs near you
Infographic showing various Insurance Underwriting job openings in the United States as of June 2026, with employment types broken down into 1% Locum Tenens, 5% Full Time, 92% Part Time, 1% Temporary, and 1% Nights. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $43,000 per year, or $20.7 per hour.
Insurance Underwriting Business Analyst

Insurance Underwriting Business Analyst

Deloitte

Boston, MA • On-site

Full-time

Posted 22 days ago

Deloitte rating

8.1

Company rating: 8.1 out of 10

Based on 86 frontline employees who took The Breakroom Quiz

58th of 138 rated financial services

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