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Personal Underwriter Jobs (NOW HIRING)

Odyssey

Underwriter, Personal Umbrella

Scottsdale, AZ · Hybrid

The Personal Lines Underwriter is responsible for reviewing, maintaining and implementing underwriting philosophy, strategy and guidelines for personal lines of business for all states while working ...

OdysseyRe

Underwriter, Personal Umbrella

Scottsdale, AZ · On-site

The Personal Lines Underwriter is responsible for reviewing, maintaining and implementing underwriting philosophy, strategy and guidelines for personal lines of business for all states while working ...

AIG

Senior Underwriter, Political Violence

New York, NY · On-site

$146K - $178K/yr

Comply with the terms of personal underwriting authority. * Work with the Head of Political Violence in managing the achievement of the business plan, including identifying material deviations.

Jimcor Agency Inc.

Personal Lines Underwriter

Albany, NY · On-site

$50K - $65K/yr

Learn and develop an understanding of the personal lines marketplace. * Under supervision, analyze and underwrite new business for a select group of agents and senior underwriters. * Rate policies ...

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$33.5K

$66.8K

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How much do personal underwriter jobs pay per year?

As of Jul 7, 2026, the average yearly pay for personal 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.

Is underwriting a high paying career?

Personal underwriters typically earn a moderate to high salary, with compensation increasing with experience, certifications, and the complexity of policies handled. While salaries vary by industry and location, experienced underwriters in financial services can earn competitive wages, especially with advanced skills and professional credentials.

What is a personal underwriter?

A personal underwriter evaluates individual insurance applications, assessing risk factors such as health, financial history, and lifestyle to determine coverage eligibility and premium rates. They analyze applicant information, review medical records, and use underwriting guidelines to make informed decisions, often working with insurance agents and using specialized software.

What are some common challenges faced by Personal Underwriters, and how can they be addressed?

Personal Underwriters often encounter challenges such as balancing risk assessment with customer needs and keeping up with ever-changing insurance regulations. Staying current with industry guidelines and leveraging advanced underwriting software can help streamline the decision-making process. Additionally, collaborating closely with agents and other underwriters fosters a more comprehensive evaluation of applications, leading to better risk management and customer satisfaction.

What is the difference between Personal Underwriter vs Mortgage Underwriter?

AspectPersonal UnderwriterMortgage Underwriter
CredentialsTypically requires insurance or financial certifications, sometimes a bachelor's degreeRequires mortgage or real estate certifications, often a bachelor's degree in finance or related field
Work EnvironmentInsurance companies, financial institutions, or banksMortgage lenders, banks, or credit unions
Employer & IndustryInsurance and financial servicesReal estate, banking, mortgage lending
Common Search & ComparisonOften compared for risk assessment and loan approval processesFocuses on property and borrower financials for mortgage approval

Both Personal Underwriters and Mortgage Underwriters assess risk and review financial documents, but they operate in different sectors. Personal Underwriters focus on insurance and personal financial products, while Mortgage Underwriters specialize in evaluating mortgage loan applications. Understanding these differences helps job seekers target the right industry and role.

What are the key skills and qualifications needed to thrive as a Personal Underwriter, and why are they important?

To thrive as a Personal Underwriter, you need strong analytical abilities, attention to detail, and a solid understanding of insurance principles, typically supported by a degree in finance, business, or a related field. Familiarity with underwriting software, risk assessment tools, and industry certifications such as CPCU or AU is often expected. Exceptional communication, negotiation, and decision-making skills help you collaborate effectively and explain complex terms to clients. These skills ensure accurate risk evaluation, compliance with regulations, and successful client relationships in a competitive insurance environment.

Will AI replace underwriting?

Personal underwriters evaluate risk and make decisions in the insurance industry, and AI is increasingly used to assist with data analysis and risk assessment. While AI can automate routine tasks and improve efficiency, human underwriters are still essential for complex cases, ethical considerations, and final decision-making. The role is evolving to include oversight of AI tools and interpretation of their outputs.
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Personal Underwriter jobs near you
Infographic showing various Personal Underwriter job openings in the United States as of July 2026, with employment types broken down into 100% Full Time. Highlights an 80% In-person, 5% Hybrid, and 15% Remote job distribution, with an average salary of $66,771 per year, or $32.1 per hour.
Underwriter, Personal Umbrella

Underwriter, Personal Umbrella

Odyssey

Scottsdale, AZ • Hybrid

Other

Posted 20 days ago

Job description

Hudson is a market-leading specialty insurer that offers a wide range of property and casualty insurance products to corporations, professional firms and individuals through retailers, wholesalers and program administrators.
We focus our attention and our resources on finding high-quality solutions that give our business partners, producers and policyholders a safe harbor for the risks they face.
Headquartered in New York City with offices throughout the U.S. and in Vancouver, Canada, Hudson underwrites excess insurance on an admitted basis through Hudson Insurance Company and on a non-admitted basis through Hudson Excess Insurance Company.
Collectively known as Hudson Insurance Group, its companies are rated A+ (Superior) by AM Best, Financial Size Category XV.
Hudson Insurance Group is the U.S. Insurance Division of the Odyssey Group, a leading global provider of reinsurance and specialty insurance. Odyssey Group is a subsidiary of Fairfax Financial Holdings Limited.

Position Description: The Personal Lines Underwriter is responsible for reviewing, maintaining and implementing underwriting philosophy, strategy and guidelines for personal lines of business for all states while working exclusively with wholesale brokerages.  They are responsible for handling underwriting edit referrals, as well as assigned risk reviews, including making and implementing underwriting decisions on new business, renewals and endorsements.

Essential Duties:

  • Participates in agency management activities including building, maintaining and managing producer and customer relationships.
  • Communicates with agents and other company personnel with regards to insureds, policies, coverages, etc. either by phone or written correspondence.
  • Makes informed and appropriate underwriting decisions based on information provided by clients and other sources.
  • Collaborates with underwriters, operations, claims and marketing.
  • Orders and analyzes investigation reports on present or potential insureds.
  • Provides phone coverage support to meet client service levels.
  • Performs other related duties as required to achieve the goals and objectives of the company, as well as department.

Skills, Knowledge and Abilities:

  • Strong analytical skills.
  • Ability to effectively and independently manage workload while exhibiting sound judgment.
  • Excellent written and verbal communication skills.
  • Strong knowledge of personal lines coverage/terms a must. 
  • Proficient in computer programs used for completing the duties described above, such as Microsoft Excel, Word, Outlook, etc.
  • Team oriented.
  • Ability to effectively interact with all levels of internal and external business partners.
  • Ability to maintain confidentiality of company-sensitive data.
  • Ability to be creative and adaptable in a changing business environment.

Education/Experience:

  • Bachelor's degree.
  • 3+ years of Personal Lines Underwriting experience
  • Previous agency or company underwriting experience and appropriate insurance coursework is preferred.

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