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Lower Middle Class Jobs in Virginia (NOW HIRING)

Substitute Teacher

Norfolk, VA ยท On-site

$16.50/hr

You'll enjoy small class sizes, well-mannered and respectful students, supportive colleagues, and ... Substitutes are periodically needed for our Preschool (ages 3-4), Lower (grades K-5) and Middle ...

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Lower Middle Class information

See Virginia salary details

$19K

$82.1K

$302.5K

How much do lower middle class jobs pay per year?

As of Sep 5, 2026, the average yearly pay for lower middle class in Virginia is $82,143.00, according to ZipRecruiter salary data. Most workers in this role earn between $36,956.00 and $85,582.00 per year, depending on experience, location, and employer.

What is lower middle class?

A lower middle-class job typically refers to occupations that provide modest financial stability but do not offer significant wealth or economic security. These jobs often require some level of education or skill but may not offer high salaries, benefits, or long-term financial growth. Examples include administrative assistants, retail managers, basic technical positions, and skilled trades. Workers in these roles often earn slightly above minimum wage but may still struggle with savings and unexpected expenses.

What does lower middle class mean?

The term 'lower middle class' typically refers to a socioeconomic group that falls between the working class and the middle class. People in this group often have moderate incomes, may hold clerical, administrative, or low-level supervisory jobs, and may have some post-secondary education or vocational training. They generally have enough income to cover basic needs and some discretionary spending, but may face financial challenges with unexpected expenses. The exact definition can vary depending on country and economic context.

What are the key skills and qualifications needed to thrive as a lower middle class worker, and why are they important?

To thrive in a lower middle class occupation, you typically need a solid work ethic, basic educational credentials such as a high school diploma or vocational training, and job-specific competencies. Familiarity with workplace technologies like point-of-sale systems, inventory software, or trade-specific tools is often required. Reliability, adaptability, and strong interpersonal skills help individuals excel in customer service and team-oriented environments. These skills and qualities are crucial for maintaining steady employment, advancing in one's career, and ensuring job stability in competitive sectors.

What are some common challenges faced by Customer Service Representatives when handling high call volumes, and how can they effectively manage stress in this environment?

Customer Service Representatives often encounter high call volumes, especially during peak business hours or promotional periods. This can lead to increased pressure to resolve issues quickly while maintaining professionalism and empathy. To manage stress, it is helpful to prioritize calls based on urgency, use call-handling scripts for efficiency, and take scheduled breaks to recharge. Supportive team environments and regular training also play a crucial role in helping representatives stay resilient and maintain high-quality service.

What is the difference between Lower Middle Class vs Retail Sales Associate?

AspectLower Middle ClassRetail Sales Associate
Typical CredentialsHigh school diploma or equivalentHigh school diploma often preferred
Work EnvironmentOffice settings, administrative rolesRetail stores, customer service
Industry UsageVarious sectors including finance, educationRetail industry primarily

The Lower Middle Class generally includes individuals with office-based jobs requiring basic education, while Retail Sales Associates work in retail environments focusing on customer service. The main difference lies in the work setting and industry focus, with the Lower Middle Class having broader employment options beyond retail.

What cities in Virginia are hiring for Lower Middle Class jobs?

Cities in Virginia with the most Lower Middle Class job openings:

Infographic showing various Lower Middle Class job openings in Virginia as of August 2026, with employment types broken down into 69% Full Time, 29% Part Time, and 2% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $82,143 per year, or $39.5 per hour.

Vice President, General Casualty, Preferred Select, Division Manager

Hamilton Insurance Group, Ltd.

Richmond, VA โ€ข On-site

$180 - $270/hr

Other

Medical, Dental, Vision, Life, Retirement

Posted 3 days ago

New


Key responsibilities

  • Lead the launch and development of Hamilton's General Casualty Preferred Select expansion, including creating underwriting guidelines, rates, coverage forms, and endorsements.

  • Manage the overall portfolio performance, underwriting profitability, and cycle management of the General Casualty portfolio.

  • Attract, develop, coach, and mentor underwriting talent, and build relationships with brokers and trading partners.


Job description

Weโ€™re looking for a Vice President, General Casualty, Preferred Select, Division Manager

This role is a hybrid working position ideally based in the greater New York/New Jersey area. We will consider a remote US location for appropriately qualified candidates.

Reporting to the Chief Underwriting Officer, the initial responsibility for this handsโ€‘on leader is to build out Hamiltonโ€™s expansion strategy for primary General Casualty beyond our current hardโ€‘toโ€‘place SME focus. This role creates a unique opportunity for a selfโ€‘driven, motivated leader to stand up an adjacent product offering within an established, wellโ€‘resourced organization.

This role will focus on Excess & Surplus (E&S) lines placements for primary General Liability, Products/Completed Operations, Liquor Liability, Employee Benefits Liability, Garagekeepers Legal Liability, Hired & Nonโ€‘Owned Auto, and other coverages for small to mediumโ€‘size entities and lower middle market risks.

Why this role / why now

Hamilton Select is investing in the next phase of our primary General Casualty platform. This newly created leadership role offers the opportunity to shape the product, strategy, appetite, and goโ€‘toโ€‘market while leveraging Hamiltonโ€™s strong balance sheet, technology capabilities, and established wholesale distribution. The successful candidate will have high visibility with senior leadership and a meaningful runway to build a differentiated, profitable book and team.

The successful candidate will be responsible for developing and managing relationships with wholesale brokers and other trading partners in the U.S. The Product Leader will demonstrate initiative in establishing and performing the ongoing review of our underwriting guidelines, rates and coverage forms and help build and lead a team of talented underwriters. An exceptional service delivery orientation is a must. This role will include occasional business travel.

What you will do
  • Lead the launch of Hamiltonโ€™s General Casualty Preferred Select expansion, including the development of underwriting guidelines, rates, coverage forms & endorsements, and applications for insurance
  • Responsible for the overall portfolio management, performance and underwriting profitability of the portfolio.
  • Demonstrate strong cycle management in shaping and directing of the portfolio
  • Attract, develop, coach, mentor, retain world class underwriting talent
  • Represent Hamilton Select in the marketplace and actively support broker engagement and distribution strategy for primary General Casualty Preferred Select
  • Partner with the Technology team to pursue the design and ongoing improvement of Hamiltonโ€™s quote systems, data capture, and general use of information technology.
  • Drive the general use of technology to produce superior profit and establish an easeโ€‘ofโ€‘doing business reputation with our appointed trading partners
  • Establish and monitor key performance metrics to ensure bestโ€‘inโ€‘class operating effectiveness
  • Collaborate with internal support functions to establish effective processes and procedures to maximize efficiency and accuracy in all of our operations
  • Establish and maintain underwriting standards and discipline to ensure the delivery of profitable results
  • Support placement of targeted reinsurance in support of the General Casualty Preferred Select division
  • Originate, grow and develop highโ€‘level market relationships with brokers
  • Ensures team compliance with applicable letters of underwriting authority and compliance with applicable state rules and regulations
  • Negotiate coverage terms, pricing, and conditions using sound judgment and critical thinking
What you require for the role Key Attributes
  • An established underwriter or manager with eight or more years underwriting experience handling General Casualty lines
  • Strong technical knowledge of General Casualty exposures and coverage, with the ability to further develop themselves and mentor the wider team as the book grows
  • Understands and is comfortable developing and leading a strategy focused on smaller, niche risks while scaling into lower middle market opportunities
  • Proven track record of generating new leads, applying sound judgement to a broad range of situations and opportunities, and building a substantial portfolio of business from a small base
  • Ability to attract business from existing relationships and to nurture and develop new relationships
  • Appreciation of both the subjective and objective aspects to underwriting risk and a willingness to justify decisionโ€‘making processes at the highest levels in the organization
  • A broad understanding of market trends and nuances
  • Proven ability to generate an underwriting profit
  • Integrity in all internal and external relationships
  • A shared focus on expense management and managing the overall business operations to maximize shareholder returns
  • Uses data and facts to inform decisions
Other Personal Attributes
  • Motivated, selfโ€‘starter with an entrepreneurial mindset
  • Excellent verbal and written communication skills, with strong decisionโ€‘making capability
  • Professional, insightful, and confident when managing varying stakeholders
  • Strong organizational skills and the ability to plan ahead
  • Keen attention to detail, highly analytical and excellent problemโ€‘solving capability
  • Technical expertise & capabilities within your field
  • Resultsโ€‘oriented with a growth mindset
  • Dedicated and consistent
What you can expect from us

We offer a vibrant, entrepreneurial and collaborative culture guided by our values: Be Smart, Be Sensible, Be Open and Be More.

Weโ€™re committed to creating a diverse, equitable and inclusive workplace where all employees thrive. Whatever differences set you apart, whether visible or invisible, you will be welcome at Hamilton.

Hamilton offers a hybrid approach to flexible working.

Join us and youโ€™ll be in good company with Hamilton.

We offer a competitive salary with an annual performance-based target bonus and a comprehensive benefits package, to include:

  • Hybrid working
  • Matching 401K plan
  • Medical, dental, vision, life, disability
  • Generous time off (including parental leave)
  • Continued support for professional development
  • Gym subsidy
  • My day (additional days leave for personal interests/wellness/charity work)

In good company.

Hamilton Insurance Group (NYSE: HG) underwrites specialty insurance and reinsurance risks on a global basis through its wholly owned subsidiaries. Its three underwriting platforms: Hamilton Global Specialty, Hamilton Select and Hamilton Re, each with dedicated and experienced leadership, provide access to diversified and profitable business around the world.

This underwriting leadership role is within Hamilton Select, Hamilton Insurance Groupโ€™s US Excess & Surplus (E&S) Lines company. Headquartered in Richmond, VA, Hamilton Select distributes E&S products exclusively through wholesale brokers. Our underwriters leverage advanced technology and deep expertise to deliver fast, frictionless service to our trading partners with a clear focus on SME and Lower Middle Market risks.

Headquartered in Bermuda, Hamilton Insurance Group has over 600 employees with key underwriting operations in London, Bermuda, Dublin, Richmond VA and other parts of the US. We work collaboratively, we share a passion for the service and results we deliver, and we know that what we do each day is meaningful โ€“ to our customers and our business. We believe we are โ€˜In good company.โ€™ with everyone we interact with.

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