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Personal Lines Associate Underwriter Jobs (NOW HIRING)

Burns & Wilcox

Personal Lines Underwriter

Arlington, TX · On-site

Lead, train, and develop Associate Underwriters Qualifications * Bachelor's degree or equivalent combination of education and experience * 3+ years of personal lines underwriting experience required ...

Burns & Wilcox

Personal Lines Underwriter

Portland, OR · On-site

$100K - $150K/yr

... Personal Lines Underwriter. This is an outstanding opportunity to grow a book of business by ... Lead, train, and develop Associate Underwriters Qualifications * Bachelor's degree or equivalent ...

Burns & Wilcox

Personal Lines Underwriter

MD · On-site

$105K - $120K/yr

Lead, train, and develop Assistant and Associate Underwriters Qualifications * Bachelor's degree or equivalent combination of education and experience * Minimum 3 years of Personal lines underwriting ...

United Insurance

Personal Lines Associate

Presque Isle, ME · On-site

$35K - $45K/yr

The Personal Lines Associate works to support the Personal Lines Account Manager(s) by delivering excellent customer service, processes transactions according to agency defined workflows, prepares ...

United Insurance

Personal Lines Associate

Van Buren, ME · On-site

$35K - $45K/yr

The Personal Lines Associate works to support the Personal Lines Account Manager(s) by delivering excellent customer service, processes transactions according to agency defined workflows, prepares ...

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Personal Lines Associate Underwriter information

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$33.5K

$66.8K

$152K

How much do personal lines associate underwriter jobs pay per year?

As of Sep 3, 2026, the average yearly pay for personal lines associate underwriter in the United States is $66,771.00, according to ZipRecruiter salary data. Most workers in this role earn between $48,500.00 and $67,500.00 per year, depending on experience, location, and employer.

What is a personal lines associate underwriter?

A Personal Lines Associate Underwriter is an insurance professional who evaluates applications for personal insurance products, such as auto, homeowners, or renters policies. They assess risk factors, review policy applications, and determine eligibility for coverage according to company guidelines. Typically, they work under the supervision of more senior underwriters and help ensure that policies are priced accurately and fairly based on risk. Their role is crucial in maintaining the profitability and integrity of the insurance portfolio while providing quality service to applicants and brokers.

What are the key skills and qualifications needed to thrive as a personal lines associate underwriter?

To thrive as a Personal Lines Associate Underwriter, you need a solid understanding of insurance principles, risk assessment, and policy evaluation, generally supported by a bachelor's degree or relevant insurance coursework. Familiarity with underwriting software, rating systems, and sometimes certifications like AINS or CPCU is common in this role. Attention to detail, analytical thinking, and strong communication skills help you effectively evaluate risks and collaborate with agents or clients. These skills are crucial to ensure accurate policy decisions, maintain profitability, and deliver excellent customer service in a competitive insurance market.

What are some common challenges faced by personal lines associate underwriters, and how can they be addressed?

Personal Lines Associate Underwriters often face the challenge of balancing risk assessment with providing competitive quotes in a fast-paced environment. They must review detailed information about clients and policies, which requires strong attention to detail and the ability to interpret underwriting guidelines accurately. Collaboration with agents and senior underwriters is key to resolving complex cases or clarifying coverage options. To address these challenges, staying organized, seeking feedback from team members, and utilizing available underwriting tools and resources can help improve decision-making and workflow efficiency.

What is the difference between Personal Lines Associate Underwriter vs Personal Lines Underwriter?

AspectPersonal Lines Associate UnderwriterPersonal Lines Underwriter
CredentialsTypically requires a relevant insurance license and some underwriting experienceOften requires similar licenses and more extensive underwriting experience
Work EnvironmentEntry to mid-level role, often in insurance companies or agenciesMid-level role, working closely with agents and clients in insurance firms
Job FocusAssists in evaluating and processing insurance applications under supervisionEvaluates risk, approves or declines policies, and sets pricing

The main difference is that the Personal Lines Associate Underwriter typically supports senior underwriters by handling initial applications and data entry, while the Personal Lines Underwriter makes final risk assessments and policy decisions. The associate role is more entry-level, focusing on support tasks, whereas the underwriter has more responsibility for risk evaluation and policy approval.

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Personal Lines Associate Underwriter jobs near you
Infographic showing various Personal Lines Associate Underwriter job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 76% Full Time, 20% Part Time, and 3% Contract. Highlights an 93% Physical, 2% Hybrid, and 5% Remote job distribution, with an average salary of $66,771 per year, or $32.1 per hour.

Personal Lines Associate Underwriter - Flood

Johnson & Johnson

Mount Pleasant, SC • On-site

Full-time

Posted yesterday

New

Johnson & Johnson rating

8.3

Company rating: 8.3 out of 10

Based on 113 frontline employees who took The Breakroom Quiz

25th of 86 rated pharmaceutical

Job description

Description:

Position Overview:  

This position reviews, analyzes, and inspects insurance contracts.  They also collect competitive data and analyze our program’s place within the market. They will perform agency visits to solicit feedback on our service standards, our competition, and to build a professional relationship with our agents.   

Job Responsibilities: 

• Analyze inspection reports, location, risk, credit reports, etc to accept or reject new/renewal property and casualty business.   

• Monitor products in regard to competition and our place with the market with regards to form, rate, etc.   

• Actively participate in setting and obtaining premium projections for their product lines and their related companies. 

• Review applications, loss runs, reports etc for acceptance within company service standards 

• Build professional relationships w/ our agents, market and sell products to meet the product’s premium projections 

• Knowledge of  premium goals for each product by company 

• Pursue education to enhance industry knowledge 

• Also performs other duties and responsibilities as required. 

Education and Work Experience: 

• 2 years experience in P&C Underwriting or related field 

• An RMI Degree, CISR, AIS, or CPIW designation preferred 

Knowledge Skills & Abilities: 

• Strong customer service skills 

• Ability to maintain confidentiality 

• Capacity to analyze information and general math skills 

• Knowledge of all applicable rating systems 

• Knowledge of all underwriting and rate/rule manuals 

• Proficiency in on-line reference manuals 

• Knowledge of underwriting principles 

• Knowledge of policy forms 

• Ability to recognize exposure to loss 

• research skills, attention to detail, decision making, coordination 

• Ability to multi-task, prioritize, make quick decisions and be flexible in a fast paced environment 

• Computer experience a must, MS Word & Excel experience required 

• Minimum 40wpm typing speed 

• Team Player and mentor to Assistant Underwriters I & II 

• Excellent oral and written communication skills 

• Exceptional interpersonal skills 

• Interest in selling products and services based on customer needs 

• Ability to clearly and effectively present (both written and verbal) to external business partners, management and internal business partners.  

• Exhibits a professional appearance when representing the organization during agency visits or business meetings. 

• Strong knowledge of the Personal Lines Industry.   

• Knowledge of Personal Lines Products - ability to differentiate J&J products/services from competitors.   

• Strong negotiation skills. 

Typical Physical Demands: 

• Requires the ability to sit or stand for long periods of time, occasional stooping, and reaching; May require lifting-up to 25 pounds; requires normal range of vision and hearing with or without accommodations. 


Requirements:


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