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Line Underwriter Jobs (NOW HIRING)

Chubb

Underwriter, Small Business

Phoenix, AZ · On-site

The ideal candidate will possess a strong commercial multi-line underwriting acumen and demonstrate exceptional problem-solving skills, with a focus on profitability and growth. MAJOR DUTIES ...

Chubb

Underwriter, Small Business

Phoenix, AZ · On-site

The ideal candidate will possess a strong commercial multi-line underwriting acumen and demonstrate exceptional problem-solving skills, with a focus on profitability and growth. MAJOR DUTIES ...

Chubb

Westchester Senior Underwriter

Philadelphia, PA · On-site

$99K - $117K/yr

The ideal candidate will possess a strong commercial multi-line underwriting acumen and demonstrate exceptional problem-solving skills, with a focus on profitability and growth. Major Duties ...

Chubb

Senior Underwriter, Consolidations

Charlotte, NC · On-site

$96K - $113K/yr

The ideal candidate will possess a strong commercial multi-line underwriting acumen and demonstrate exceptional problem-solving skills, with a focus on profitability and growth. Major Duties ...

Diedre Moire Corp.

Insurance Underwriter

San Jose, CA · On-site

$100K - $300K/yr

REMOTE WORK FROM HOME POSSIBLE Seeking demonstrated success within a true multi-line underwriting environment for accounts ranging from small to mid market. Activities: • Develop business ...

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Line Underwriter information

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$32.5K

$78.9K

$139.5K

How much do line underwriter jobs pay per year?

As of Jul 24, 2026, the average yearly pay for line underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Line Underwriter, and why are they important?

To thrive as a Line Underwriter, you need a deep understanding of risk assessment, insurance policies, and industry regulations, usually supported by a bachelor's degree in finance, business, or a related field. Familiarity with underwriting software, risk analysis tools, and certifications such as CPCU or AU are often required. Strong analytical thinking, attention to detail, and effective communication skills help you make sound judgments and collaborate with brokers or agents. These skills are essential for accurately evaluating risk, maintaining profitability, and ensuring compliance in insurance operations.

What are some common challenges faced by Line Underwriters in balancing risk assessment with business goals?

Line Underwriters often encounter the challenge of accurately assessing risk while also meeting the company's business objectives, such as growth and profitability targets. They must thoroughly evaluate applications, analyze data, and apply underwriting guidelines, all while negotiating terms that are attractive to clients but still protect the insurer from undue risk. Additionally, they collaborate closely with brokers, agents, and other departments to clarify coverage, which can require strong communication skills and the ability to make decisions under tight deadlines. Successfully balancing these priorities requires both analytical expertise and a clear understanding of market trends.

What is the difference between Line Underwriter vs Underwriting Assistant?

AspectLine UnderwriterUnderwriting Assistant
CredentialsTypically requires a relevant insurance or finance certification, such as CPCU or ARMOften requires a high school diploma or associate degree; some roles prefer insurance-related coursework
Work EnvironmentWorks in insurance companies, assessing risk and setting policy termsSupports underwriters with administrative tasks, data entry, and document management
Job ResponsibilitiesEvaluates risk, approves or declines policies, and sets coverage limitsPrepares documents, gathers information, and assists in underwriting processes

The main difference is that a Line Underwriter actively assesses and approves insurance policies based on risk, while an Underwriting Assistant provides administrative support to underwriters. The roles differ in responsibility level but are interconnected within the insurance underwriting process.

What does a line underwriter do?

A line underwriter evaluates insurance applications to determine coverage eligibility and pricing, assessing risks based on factors like applicant information, industry standards, and policy guidelines. They review financial data, medical records, or property details and use specialized software to make informed decisions within authority limits, often working closely with agents and brokers.

What are line underwriters?

Line underwriters are insurance professionals responsible for evaluating and approving or rejecting insurance applications within a specific area or 'line' of coverage, such as auto, home, or commercial insurance. They assess risks based on company guidelines, analyze applicant information, and determine appropriate coverage terms and premiums. Their decisions help the insurance company manage risk and maintain profitability while offering fair policies to clients.

How to get an entry level underwriter job?

To secure an entry-level line underwriter position, candidates typically need a bachelor's degree in finance, business, or a related field. Gaining relevant skills such as risk assessment, familiarity with underwriting software, and strong analytical abilities can improve chances; internships or related work experience are also beneficial.

Will AI replace underwriting?

AI is increasingly used in underwriting to automate data analysis and improve decision accuracy, but it is unlikely to fully replace human underwriters. Underwriters still rely on their expertise to interpret complex information, assess risk nuances, and make final decisions. Combining AI tools with human judgment enhances efficiency and consistency in the underwriting process.

Is underwriting a high paying career?

Line underwriters typically earn a moderate to high salary, with pay often increasing with experience, certifications, and specialization. While salaries vary by industry and location, experienced underwriters in certain sectors can earn competitive wages comparable to other financial roles.
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Line Underwriter jobs near you
Infographic showing various Line Underwriter job openings in the United States as of July 2026, with employment types broken down into 1% As Needed, 82% Full Time, 12% Part Time, 4% Contract, and 1% Nights. Highlights an 95% Physical, 2% Hybrid, and 3% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.
Personal Line Underwriter (Homeowners & Dwelling Fire) - HYBRID

Personal Line Underwriter (Homeowners & Dwelling Fire) - HYBRID

DB Insurance Co., Ltd.

Great Neck, NY • On-site

$65K - $95K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted yesterday

Job description

Job Title

  • Personal Line Underwriter (Homeowners & Dwelling Fire)

Location

  • 1010 Northern Blvd., Suite 238, Great Neck, NY 11021

 Salary

  • $65,000 - $95,000/year 

 Position Type

  • Full-time
  • Non-exempt (Hourly) or Exempt (Salaried)
  • Monday – Friday
  • 9:00 am – 6:00 pm
  • Hybrid after 90 days – 3 days in office/2 days remote

 Reports to

  • Deputy Branch Manager

 Position Overview:

DB Insurance is seeking a Personal Lines Underwriter to join our team! As a Personal Lines Underwriter specializing in Homeowners & Dwelling Fire, you will assess risks for individual clients by analyzing client information, applying underwriting guidelines, and collaborating with agents and brokers to deliver competitive and profitable insurance solutions. Your expertise will play a crucial role in maintaining a well-balanced portfolio that aligns with the company’s risk management objectives.

Key Responsibilities

  • Assess property characteristics, claims history, and other relevant data to determine insurability and risk level.
  • Conduct risk analysis and assessments in accordance with company underwriting guidelines and state regulations.
  • Make informed decisions on accepting, rejecting, or modifying insurance applications based on underwriting policies.
  • Collaborate with agents, brokers, and customer service teams to communicate underwriting decisions and address inquiries.
  • Ensure compliance with regulatory requirements and company standards in all underwriting practices.
  • Review the assigned book of business regularly to maintain portfolio balance and identify growth opportunities.
  • Stay informed on market trends, emerging risks, and regulatory changes to adjust underwriting strategies as needed.
  • Participate in training programs to stay current on underwriting best practices, product updates, and industry developments. 

Qualifications

  • Bachelor’s degree in Business, Finance, Insurance, or a related field, or equivalent work experience (open to entry-level candidates and experienced professionals)
  • 0 to 3+ years of experience in personal lines underwriting, with position level based on experience
  • Understanding of underwriting principles, policy guidelines, and state-specific insurance regulations, particularly for Homeowners and Dwelling Fire
  • Strong analytical and decision-making skills with high attention to detail and accuracy in risk assessment
  • Excellent communication skills with a customer-service mindset to build strong relationships with agents, brokers, and internal teams
  • Proficiency in Microsoft Office Suite or Google Workspace applications
  • Familiarity or experience with underwriting software and rating tools is preferred
  • Effective time management skills with the ability to handle multiple tasks and meet deadlines
  • Ability to adapt to changing underwriting guidelines and evolving market conditions

 Preferred Qualifications

  • Professional designations such as CPCU (Chartered Property Casualty Underwriter) or AU (Associate in Underwriting) are a plus


Benefits

  • Medical (PPO), dental (PPO), vision (PPO), and life insurance covered 100% by the company and 50% for dependents
  • Monthly manager stipend
  • Paid time off and sick leave
  • 13 annual paid holidays
  • 401(k) plan with up to 4% company match
  • Flexible Spending Account (FSA) & Dependent Care FSA
  • Job-related training reimbursement
  • Casual dress code

About Us 

At DB Insurance USA, we carry forward a legacy of excellence that began in South Korea in 1962 and expanded to the U.S. in 1984. Backed by the financial strength of a global powerhouse (AM Best Rating: A+, S&P Rating: A+), we combine world-class resources with the agility of a close-knit team. With offices in California, Hawaii, New York, and Guam, we provide innovative insurance solutions tailored to protect your property, business, and livelihood. We are committed to fostering a culture of inclusion and innovation, ensuring exceptional service and peace of mind for every policyholder. 

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