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Personal Lines Underwriter Jobs (NOW HIRING)

Burns & Wilcox

Personal Lines Underwriter

Arlington, TX · On-site

We are looking for candidates with an entrepreneurial spirit and drive for career advancement to join our team as a Personal Lines Underwriter. This is an outstanding opportunity to grow a book of ...

Arbour Specialty

Personal Lines Underwriter

Arbour Specialty is seeking a motivated Personal Lines Underwriter to join our underwriting team. In this role, you'll evaluate and price risks, build strong agency partnerships, and contribute ...

Burns & Wilcox

Personal Lines Underwriter

Portland, OR · On-site

$100K - $150K/yr

We are looking for candidates with an entrepreneurial spirit and drive for career advancement to join our team as a Personal Lines Underwriter. This is an outstanding opportunity to grow a book of ...

Burns & Wilcox

Personal Lines Underwriter

MD · On-site

$105K - $120K/yr

Minimum 3 years of Personal lines underwriting or brokerage experience required, excess & surplus experience preferred * Demonstrated proficiency in sales and marketing * Proven organization skills ...

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Personal Lines Underwriter information

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$33.5K

$66.8K

$152K

How much do personal lines underwriter jobs pay per year?

As of Aug 29, 2026, the average yearly pay for personal lines 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 underwriter?

A Personal Lines Underwriter is an insurance professional who evaluates applications for personal insurance policies, such as auto, home, or renters insurance. They assess the risks associated with insuring individuals and determine if coverage should be provided and at what premium. Personal Lines Underwriters use underwriting guidelines, review client information, and sometimes request additional details to make informed decisions. Their goal is to ensure that insurance policies are profitable for the company while still meeting the needs of policyholders.

What does a personal lines underwriter do?

A personal lines underwriter is a person who determines whether or not a customer should receive insurance, such as home insurance, life insurance, or auto insurance. As a personal lines underwriter, your duties are to gather information about your customer’s lives and analyze their risk factors to decide whether they qualify for your services. You analyze occupational risks, tax and credit histories, and financial history. The career has several qualifications, including a bachelor’s degree in a field such as accounting or business administration, and experience in the insurance industry. Useful skills for the job include good written and verbal communication and strong mathematics.

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

To thrive as a Personal Lines Underwriter, you need strong analytical skills, attention to detail, and a solid understanding of risk assessment and insurance principles, often supported by a bachelor's degree in business or a related field. Familiarity with underwriting software, policy management systems, and relevant certifications such as CPCU or AINS is typically expected. Excellent communication, negotiation, and decision-making skills help you effectively evaluate applications and interact with agents and clients. These skills ensure accurate risk evaluation, profitable portfolio management, and strong customer relationships within a competitive insurance market.

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

Personal Lines Underwriters often encounter challenges such as balancing risk assessment with customer satisfaction and keeping up with changing regulations or policy guidelines. Managing a high volume of applications while ensuring accuracy and compliance can also be demanding. Building strong communication with agents and leveraging technology for workflow efficiency can help address these challenges. Staying updated through training and actively collaborating with the underwriting team ensures consistent, sound decision-making.
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Personal Lines Underwriter jobs near you
Infographic showing various Personal Lines Underwriter job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 76% Full Time, 19% Part Time, and 4% Contract. Highlights an 87% Physical, 2% Hybrid, and 11% Remote job distribution, with an average salary of $66,771 per year, or $32.1 per hour.

Personal Lines Underwriter

Arlington, TX

H.W. Kaufman Group
Finance and Insurance • 1 - 5K employees
Learn more about H.W. Kaufman Groupexternal

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 4 days ago

Job description

When someone needs insurance coverage for the unique, the unusual, or the unconventional, they come to Burns & Wilcox. Burns & Wilcox offers unparalleled resources and exposure for those looking to excel in the specialty insurance industry. We are looking for candidates with an entrepreneurial spirit and drive for career advancement to join our team as a Personal Lines Underwriter. This is an outstanding opportunity to grow a book of business by selecting and writing new business through the cultivation of client relationships.


  • Build, maintain, and grow a book of Personal Lines business
  • Manage agency relationships and serve as lead client contact
  • Create and execute marketing plan to increase new and renewal business
  • Rate, quote and bind each risk to determine acceptability, coverage, and pricing for large or complex renewals as well as new business
  • Develop and submit underwriting referrals to company brokerage facilities and Burns & Wilcox management  
  • Monitor key metrics to formulate corrective action impacting new business hit, renewal retention, premium growth, and loss ratio
  • Lead, train, and develop Associate Underwriters

  • Bachelor’s degree or equivalent combination of education and experience
  • 3+ years of personal lines underwriting experience required, excess & surplus experience preferred
  • Demonstrated proficiency in sales and marketing
  • Insurance license, CPCU, CIC or comparable designations preferred
  • Interest in continued education and professional development
  • Travel if necessary in order to foster strong client relationships

Benefits

  • Competitive base compensation & sales incentive bonus plan
  • Employer paid continuing education courses and designations via access to Kaufman Institute
  • Health and welfare benefits including medical, vision and dental
  • 401K with employer match
  • Paid vacation, sick time, and holidays
  • Access to Kaufman Wellness Program
  • Flexible and hybrid work options

Burns & Wilcox, the flagship organization of H.W. Kaufman Group, is North America’s leading wholesale insurance broker and underwriting manager. Burns & Wilcox offers wide ranging and comprehensive solutions to serve retail insurance brokers and agents of all sizes, from the large houses to the more than 30,000 independent brokers and agents worldwide. Fueled by its freedom from Wall Street and private equity, Burns & Wilcox is a privately owned company whose standards of service, depth of market relationships and outstanding talent are unsurpassed in the specialty insurance sector.

Equal Opportunity Employer

The H.W. Kaufman Group of companies is an equal opportunity employer. All employment decisions are based on business needs, job requirements and individual qualifications, without regard to race, color, religion, gender, gender identity, age, national origin, disability, veteran status, marital status, pregnancy, sexual orientation, genetic information or any other status or condition protected by the laws or regulations in the locations where we operate.

In addition, Kaufman will make reasonable accommodations to known physical or mental limitations of an otherwise qualified person with a disability, unless the accommodation would impose an undue hardship on the operation of our business.

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