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Personal Underwriter Jobs (NOW HIRING)

Safepoint MGA, LLC

Personal Lines Underwriter

Tampa, FL · On-site

$65K - $70K/yr

Safepoint MGA is an admitted Property & Casualty insurance carrier seeking experienced Underwriters to support our Personal Lines Homeowners department. If you have a passion for risk analysis and a ...

Safepoint MGA, LLC

Personal Lines Underwriter

Tampa, FL · On-site

$65K - $70K/yr

Safepoint MGA is an admitted Property & Casualty insurance carrier seeking experienced Underwriters to support our Personal Lines Homeowners department. If you have a passion for risk analysis and a ...

Safepoint MGA, LLC

Personal Lines Underwriter

Spring, TX · On-site

$65K - $70K/yr

Safepoint MGA is an admitted Property & Casualty insurance carrier seeking experienced Underwriters to support our Personal Lines Homeowners department. If you have a passion for risk analysis and a ...

W. R. Berkley Corporation

NJ · On-site

$75 - $130/hr

Responsibilities High Net Worth Personal Lines | New Business Focus | Agency Relationship Management As a Personal Lines Underwriter focused on High Net Worthat Berkley One, you'll play a pivotal ...

Safepoint MGA, LLC

Personal Lines Underwriter

Spring, TX · On-site

$65K - $70K/yr

Safepoint MGA is an admitted Property & Casualty insurance carrier seeking experienced Underwriters to support our Personal Lines Homeowners department. If you have a passion for risk analysis and a ...

Berkley

Personal Line Underwriter, HNW

Morristown, NJ · On-site

Responsibilities High Net Worth Personal Lines | New Business Focus | Agency Relationship Management As a Personal Lines Underwriter focused on High Net Worth at Berkley One, you'll play a pivotal ...

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Personal Underwriter information

See salary details

$33.5K

$66.8K

$152K

How much do personal underwriter jobs pay per year?

As of Sep 6, 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.

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

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.

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.

Do personal underwriters make a lot of money?

Personal underwriters typically earn a median annual salary ranging from $50,000 to $80,000, depending on experience, location, and employer. Senior or specialized underwriters can earn higher salaries, and bonuses or benefits may also contribute to total compensation.

Is it hard to get a job in personal underwriting?

Personal underwriting is a specialized role that typically requires relevant experience in insurance or finance, strong analytical skills, and knowledge of underwriting guidelines. Entry into the field can be competitive, but obtaining certifications like the Chartered Insurance Underwriter (CIU) can improve job prospects. Overall, the difficulty depends on the individual's background and the job market conditions.

What is a personal underwriter?

A personal underwriter evaluates individual insurance applications or loan requests to determine risk and eligibility. They review financial information, credit reports, and other relevant data to make approval decisions, often working with underwriting software and adhering to company policies.
More about Personal Underwriter jobs

What cities are hiring for Personal Underwriter jobs?

Cities with the most Personal Underwriter job openings:

What states have the most Personal Underwriter jobs?

States with the most job openings for Personal Underwriter jobs include:

What job categories do people searching Personal Underwriter jobs look for?

The top searched job categories for Personal Underwriter jobs are:

Personal Underwriter jobs near you
Infographic showing various Personal 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.

Field Underwriter - Personal Lines

Tradewind Group

Honolulu, HI • On-site

$70 - $95/hr

Other

Posted 4 days ago

Job description

  • Actively pursues new personal lines business by building and improving relationships with target agents and related personnel through consistent communication and high service levels.
  • Develops and fosters positive agency relations through regular visits and calls for purposes of marketing, public relations, product development, education, and training.
  • Assists Agencies with training new agents and CSR’s to write business with Island as requested.
  • Provides presentations to agencies on New Products and to promote Island Insurance.
  • Stays current on agent and staff movement and competitor information and reports relevant information to the Underwriting Team.
  • Possess a positive, service-oriented attitude toward the general agencies, insureds, and employees within the company.
Underwriting and Risk Assessment
  • Monitors, reviews, and approves new business and renewals for acceptability.
  • Reviews renewals within authority level. Determines whether risk is profitable and should be renewed.
  • Assesses and makes decisions on complex risks within designated authority level and serves as agency contact for the acceptance, rejection, continuation, or modification in the underwriting of new business and renewals.
  • Makes recommendations to agency so a decision can be made for acceptance with modification, continuation of coverages, cancellation, declination, and rejection.
  • Gathers information and communicates with the agency in writing and verbally for additional information needed to underwrite a risk properly.
  • Analyzes loss experience reports and/or reviews loss experience on the system and determines necessary underwriting action.
  • Analyzes risks for loss experience, point(s) charged, amendment to point(s) charged, and determines continuation of coverage or recommendation to non-renew.
  • Determines proper company placement and proper surcharge points after analyzing abstracts and loss experience.
  • Recommends company election cancellation requests and non-renewals after analyzing risks.
  • Approves reinstatements within designated authority level and screens/analyzes endorsement requests referred by Assistant Underwriters.
Compliance and Quality Assurance
  • Adheres to and complies with underwriting procedures and underwriting authority referral criteria established by the PID Underwriting Manager.
  • Has thorough knowledge of and maintains Personal Insurance Manuals and Guidelines necessary to perform job functions.
  • Adheres to pre-set standards of Superior Quality Service.
  • Remains current on insurance issues, coverages, and other subjects pertaining to job performance.
Mentorship and Support
  • Serves as a resource and subject matter expert and mentors Assistant Underwriters and Underwriters by providing advice and instruction as needed or requested.
  • Possess a positive, service-oriented attitude toward the general agencies, insureds, and employees within the company.
Qualifications
  • High school diploma or general education degree (GED) required; and College degree with credits in insurance related subjects preferred.
  • 1 to 5 years insurance underwriting experience at a carrier or agency level to include agency marketing experience.
  • Equivalent combination of education and job-related experience will be considered.
  • Continuing education in insurance and job related issues and subjects required.
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