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Line Underwriter Jobs (NOW HIRING)

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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 ...

CRC Group

Associate Underwriter

Chicago, IL · On-site

... multi-line underwriting and rating 6. Ability to use company automation to include Windows, Delphi, Word, DocuCorp, Rackley ISO Rating Software 7. Ability to develop, foster, and maintain an ...

Tihinsurance

Associate Underwriter

Chicago, IL

... multi-line underwriting and rating 6. Ability to use company automation to include Windows, Delphi, Word, DocuCorp, Rackley ISO Rating Software 7. Ability to develop, foster, and maintain an ...

Berkley

Sr. Renewal Underwriter (Remote)

Chicago, IL · On-site +1

$85K - $125K/yr

Minimum of 7 years of multi-line underwriting experience, preferably in Human Services * Knowledge of insurance rating, structure, forms, and coverages. * Ability to maintain confidential information.

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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.
More about Line Underwriter jobs
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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.
Underwriter - Multi Line and Package

Underwriter - Multi Line and Package

Golden Bear Insurance Company

Stockton, CA • On-site

$85K - $130K/yr

Full-time

Medical, Dental, Vision, Retirement

Posted 25 days ago

Job description

Description
Golden Bear Insurance Company is a leading Excess & Surplus (E&S) lines carrier providing innovative insurance solutions for complex, hard-to-place risks. We specialize in underwriting customized multi-line and package policies for a diverse range of industries. Our approach blends deep industry expertise, strong broker relationships, and flexible underwriting strategies to meet the evolving needs of the E&S market.
Job Summary
We are seeking a skilled Multi-Line and Package Underwriter to join our growing team. This role will focus on underwriting and structuring package policies that may include General Liability, Property, Excess Liability, and other specialty coverages. The ideal candidate will have experience working within the E&S market and the ability to develop profitable solutions for unique and challenging risks.
Key Responsibilities
  • Risk Assessment & Underwriting: Evaluate and underwrite multi-line/package policies across various industries, ensuring sound risk selection and pricing.
  • Broker Relations: Build and maintain strong relationships with wholesale brokers to drive new and renewal business.
  • Policy Structuring: Develop customized coverage packages tailored to the specific needs of high-risk businesses.
  • Pricing & Negotiation: Determine appropriate rates, terms, and conditions based on company guidelines, market trends, and risk exposure.
  • Portfolio Management: Monitor a book of business to ensure profitability and compliance with underwriting strategies.
  • Industry & Market Analysis: Stay informed of regulatory changes, emerging risk trends, and competitive market conditions in the E&S space.
  • Collaboration: Work closely with actuarial, claims, legal, and loss control teams to ensure effective risk management and underwriting decisions.

Qualifications & Experience
? Experience: 3-7+ years of multi-line/package underwriting experience. Preference will be given to candidates with prior experience in the E&S marketplace, middle-market, or large commercial.
? Technical Expertise: Strong knowledge of multiple commercial lines, including General Liability, Property, and Excess Liability. Experience with Liquor Liability, Inland Marine, Equipment Breakdown and other specialty lines is a plus.
? E&S Market Knowledge: Familiarity with non-admitted forms, regulatory considerations, and the wholesale distribution model.
? Analytical & Decision-Making Skills: Ability to assess complex risks and develop tailored insurance solutions.
? Broker Network: Existing relationships with wholesale brokers preferred.
? Communication & Negotiation: Strong interpersonal skills to interact effectively with brokers and internal teams.
Why Join Us?
  • Pay Range: $85,000 - $130,000 + Bonus
  • Competitive compensation and performance-based incentives
  • Comprehensive benefits package (health, dental, vision, 401k, etc.)
  • Remote/hybrid work flexibility (if applicable)
  • Career development and advancement opportunities
  • A dynamic, entrepreneurial, and collaborative work culture

If you're a results-driven underwriter with expertise in multi-line and package risks within the E&S space, we want to hear from you!

Apply