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Line Underwriter Jobs (NOW HIRING)

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

Davie, FL · 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 ...

Westfield

Underwriter, US Environmental

Manhattan, NY · On-site

Interact closely and effectively with other product line underwriters and regional managers to execute cross-sell strategies * Liaise with actuarial, claims, compliance, legal, communications and ...

Diedre Moire Corp.

Insurance Underwriter

Davie, FL · On-site

$100K - $300K/yr

... line underwriting experience, expertise in General Liability, Commercial Property/Package, Commercial Auto, W/C and Umbrella with 4 year degree. A global premier insurance carrier offering full ...

thg

Executive Underwriter PL

Worcester, MA · On-site

Work within the highest level of authority for front line underwriters, using it responsibly showing financial discipline and alignment with the overall goals of the organization. * Anticipates ...

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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 1, 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 June 2026, with employment types broken down into 31% As Needed, 37% Full Time, 13% Temporary, and 19% 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.

Executive Underwriter, Middle Market Life Sciences

Liberty Information Technology Limited

Manhattan, NY • On-site, Remote

$150K - $200K/yr

Full-time

This job post has expired today. Applications are no longer accepted.

Job description

Description
Job Description
Liberty is seeking experienced Life Sciences Underwriters to join our dedicated and innovative Middle Market Life Sciences Industry Practice. The Executive Underwriter role aligns with our mission to provide integrated, specialized, and comprehensive insurance products and services tailored to this unique industry via one multi-line underwriter. This position is ideal for underwriters who enjoy the craft of specialized underwriting and have both experience with, and a strong interest in, a broad range of core Property and Liability lines including property, general liability, products liability, clinical trials liability, errors & omissions (E&O), cyber, excess/umbrella, workers' compensation, auto, and multinational coverages. As a Life Sciences Underwriter at Liberty, you will have the opportunity to serve a dynamic and growing community of biotech, pharmaceutical, dietary supplement, digital health, medical device, analytical laboratory, and research clients. You will work alongside a team of dedicated underwriting, claims, risk control, and other service professionals focused exclusively on addressing the evolving needs of Life Sciences insureds, agents, and brokers. This position balances limited renewal account responsibilities with significant capacity and focus on new business production, market expansion, and strategic business development. You will be expected to help develop, grow, and maintain a profitable book of multi-line Life Sciences business through marketing, underwriting decision-making, agent/broker relationships, and utilizing Liberty's newly crafted Life Sciences underwriting support tools. Based on the geographic spread of opportunity, 25% travel is expected.
Responsibilities - Executive Underwriter:
  • New Business underwriting for profitable growth. Reviews, evaluates, and underwrites submissions; selects and assesses risks aligned with underwriting strategies and guidelines; rates and determines the premium and policy terms and conditions; utilizes broad range of supportive tools; obtains underwriting approval (as needed); creates/presents the proposal to the agent/broker; and successfully negotiates deals.
  • Services accounts after successfully winning the business in coordination with Liberty Account Analyst and Client Service Managers.
  • Meets with insureds and ensures Liberty's value-proposition is upheld.
  • Manages portfolio of brokers/agents & clients. Demonstrates a high level of responsiveness and focuses on supporting agent and broker objectives. Establishes, develops, and maintains successful relationships with agents and brokers to facilitate marketing of products, with responsive service, site visits, in-person renewal meetings and enhanced knowledge of what matters most to each Life Sciences deal. Develops strong personal brand to build and maintain a long-term quality pipeline with agents and brokers.
  • Actively identifies, manages, and solicits pipeline of opportunities for individual success.
  • Articulates key coverage differences with a high degree of detail in this specialized, niche space.
  • Has strong knowledge of key legal cases, legislation and regulation impacting area(s) of underwriting expertise and the LifeSciences industry.
  • Shares knowledge based on technical expertise, including providing external thought-leadership.
  • Mentors, coaches, and trains other underwriters and internal and external partners.
  • Provides significant input into the business and marketing planning process, including advanced data-driven insights from portfolio analysis.
  • Participates in projects and initiatives to help grow Liberty's Life Sciences Industry Practice, designed to drive underwriting and process excellence (e.g., member of a working team).
  • Models effective collaboration across teams, stakeholders and partners (e.g., Distribution, Operations, UW Support, Claims, Actuarial, Directors of Underwriting in North America).

Qualifications:
  • Degree in Business, Risk Management, or Scientific Field or equivalent typically required
  • A minimum of 7 years expected, typically 10 years or more, of progressive underwriting experience and/or other related business experience
  • A minimum of 5 years of Life Sciences underwriting experience
  • CPCU or professional insurance designation preferred
  • Proven analytical ability to evaluate and judge underwriting risks within scope of responsibility. Advanced level of knowledge of insurance products and coverages, underwriting, pricing, risk selection & assessment, and market dynamics specific to the Life Sciences space
  • Proven track record of developing and underwriting profitable Life Sciences business
  • Demonstrated ability to communicate complex analyses and information in understandable written and/or oral directives to other persons in the organization for underwriting or training purposes
  • Demonstrated effective communication and interpersonal skills in dealing with internal and external stakeholders
  • Must demonstrate comprehension of most complex technical underwriting issues and be capable of defining and implementing necessary underwriting and administrative processes/workflows to properly manage or administer those issues

Qualifications
Employees should review all role requirements and apply only for positions for which they are eligible. Hiring processes may vary by country, including differences in procedures, requirements, and timelines. For country-specific details, please consult your local recruiting / HR team.
About Us
Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role.
At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve.
We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. To learn more about our benefit offerings please visit: https://www.libertymutualgroup.com/about-lm/careers/benefits
Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law.
Fair Chance Notices
  • California
  • Los Angeles Incorporated
  • Los Angeles Unincorporated
  • Philadelphia
  • San Francisco

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