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Program Underwriter Jobs (NOW HIRING)

Merchants Insurance Group

Program Underwriter

Buffalo, NY · On-site

$85K - $120K/yr

Program Underwriter Hybrid Work Schedule Buffalo, New York Merchants Insurance Group is a leading Property and Casualty Insurer in the Northeast and is looking for an experienced Program Underwriter ...

Merchants Mutual Insurance

Program Underwriter

Buffalo, NY · On-site

$85K - $120K/yr

The Program Underwriter will become part of a dedicated corporate program underwriting team, collaborating with our agency partners to deliver professional service that achieves the most optimal ...

Vertical Insure, Inc.

Program Underwriter

Minneapolis, MN · On-site

$80K - $110K/yr

Vertical Insure is looking for a motivated and detail-oriented Program Underwriter to help manage and grow our insurance product offerings. In this role, you'll support the development, maintenance ...

Vertical Insure

Program Underwriter

Minneapolis, MN · On-site

$80K - $110K/yr

Vertical Insure is looking for a motivated and detail-oriented Program Underwriter to help manage and grow our insurance product offerings. In this role, you'll support the development, maintenance ...

Jencap

Program Underwriter-Construction

Red Bank, NJ · On-site +1

Underwrite construction book of business in General Liability and Auto programs utilizing sound judgment and discretion as well as relying on underwriting policies and guidelines, rating, rules and ...

Jencap

Program Underwriter-Construction

Red Bank, NJ · On-site +1

Underwrite construction book of business in General Liability and Auto programs utilizing sound judgment and discretion as well as relying on underwriting policies and guidelines, rating, rules and ...

Jencap

Program Underwriter-Construction

Red Bank, NJ · On-site

Underwrite construction book of business in General Liability and Auto programs utilizing sound judgment and discretion as well as relying on underwriting policies and guidelines, rating, rules and ...

CSAA

$105K - $124K/yr

Job Title Senior Commercial Program Underwriter - Remote Requisition Number R7936 Senior Commercial Program Underwriter - Remote (Open) Location Arizona - Home Teleworkers Additional Locations ...

CSAA

$91K - $107K/yr

Job Title Senior Commercial Program Underwriter - Remote Requisition Number R7936 Senior Commercial Program Underwriter - Remote (Open) Location Arizona - Home Teleworkers Additional Locations ...

CSAA

$97K - $115K/yr

Job Title Senior Commercial Program Underwriter - Remote Requisition Number R7936 Senior Commercial Program Underwriter - Remote (Open) Location Arizona - Home Teleworkers Additional Locations ...

CSAA

$99K - $117K/yr

Job Title Senior Commercial Program Underwriter - Remote Requisition Number R7936 Senior Commercial Program Underwriter - Remote (Open) Location Arizona - Home Teleworkers Additional Locations ...

CSAA

$89K - $105K/yr

Job Title Senior Commercial Program Underwriter - Remote Requisition Number R7936 Senior Commercial Program Underwriter - Remote (Open) Location Arizona - Home Teleworkers Additional Locations ...

CSAA

Senior Commercial Program Underwriter - Remote

Iowa, LA · Remote

$87K - $103K/yr

Job Title Senior Commercial Program Underwriter - Remote Requisition Number R7936 Senior Commercial Program Underwriter - Remote (Open) Location Arizona - Home Teleworkers Additional Locations ...

CSAA

$94K - $111K/yr

Job Title Senior Commercial Program Underwriter - Remote Requisition Number R7936 Senior Commercial Program Underwriter - Remote (Open) Location Arizona - Home Teleworkers Additional Locations ...

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Program Underwriter information

See salary details

$32.5K

$78.9K

$139.5K

How much do program underwriter jobs pay per year?

As of Sep 15, 2026, the average yearly pay for program underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

What is a program underwriter?

A Program Underwriter is a specialized insurance professional who evaluates and manages insurance programs, often for niche markets or specific groups of clients. They assess risks, set premium rates, and ensure that policies comply with underwriting guidelines. Program Underwriters work closely with program administrators, agents, and insurers to develop and maintain profitable insurance programs. Their role often involves reviewing applications, analyzing data, and negotiating terms to balance risk and reward for the insurance company.

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

To thrive as a Program Underwriter, you need strong analytical skills, a deep understanding of risk assessment, and expertise in insurance policies, usually supported by a bachelor's degree in finance, business, or a related field. Familiarity with underwriting software, risk modeling tools, and industry certifications such as CPCU or AU are highly beneficial. Exceptional attention to detail, negotiation ability, and effective communication help you build relationships with clients and collaborate with team members. These skills and qualifications are crucial to make sound underwriting decisions that balance profitability and risk for the organization.

How does a program underwriter typically collaborate with brokers and agents to ensure successful program outcomes?

Program Underwriters regularly work alongside brokers and agents to understand client needs, clarify program guidelines, and ensure that submissions meet underwriting criteria. This collaboration often includes providing guidance on documentation requirements, discussing risk appetite, and negotiating terms to balance client satisfaction with program profitability. Strong communication and relationship-building skills are essential, as underwriters must frequently coordinate with external partners while also aligning with internal teams such as claims and actuarial departments.

What is the difference between Program Underwriter vs Underwriting Assistant?

AspectProgram UnderwriterUnderwriting Assistant
CredentialsTypically requires underwriting certifications, bachelor’s degree in finance or related fieldOften requires administrative or entry-level finance certifications, high school diploma or associate’s degree
Work EnvironmentWorks independently on risk assessment, policy approval, and pricingSupports underwriters with data entry, document management, and administrative tasks
Employer & Industry UsageCommon in insurance, banking, and financial servicesFound in similar industries, supporting underwriting teams

The Program Underwriter and Underwriting Assistant roles differ mainly in responsibility and experience. The Program Underwriter evaluates risks and makes policy decisions, requiring more advanced knowledge and certifications. The Underwriting Assistant provides administrative support, assisting underwriters with paperwork and data management. Both roles are essential in the underwriting process but serve different functions within the industry.

More about Program Underwriter jobs

What cities are hiring for Program Underwriter jobs?

Cities with the most Program Underwriter job openings:

What are popular job titles related to Program Underwriter jobs?

For Program Underwriter jobs, the most frequently searched job titles are:

Program Underwriter jobs near you
Infographic showing various Program Underwriter job openings in the United States as of September 2026, with employment types broken down into 1% Internship, 1% As Needed, 75% Full Time, 20% Part Time, and 3% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Program Underwriter

Buffalo, NY • On-site

Merchants Insurance Group
Insurance Services • 201 - 500 employees
Learn more about Merchants Insurance Groupexternal

$85K - $120K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 21 days ago

Key responsibilities

  • Collaborate with agency partners and internal staff to achieve optimal outcomes for policyholders and profitable growth.

  • Monitor and ensure adherence of Managing General Agents to corporate underwriting policies and service standards.

  • Assist with program development for all Corporate Programs in coordination with senior management and analysts.

Job description

Program Underwriter
Hybrid Work Schedule
Buffalo, New York
Merchants Insurance Group is a leading Property and Casualty Insurer in the Northeast and is looking for an experienced Program Underwriter for our Corporate Office located in Buffalo, NY.
The Program Underwriter will become part of a dedicated corporate program underwriting team, collaborating with our agency partners to deliver professional service that achieves the most optimal outcomes for our policyholders, and profitable growth for Merchants and our Agency Partners.
Merchants Insurance Group is rated A- (Excellent) with a stable outlook by A.M. Best and is consistently recognized as a top employer and high-performing organization. Recent honors include:
  • Best Places to Work in Western New York (Buffalo Business First, 2023-2026)
  • Fast Track Company (2019-2025) and Top Private Company (2019-2025)
  • Ward's 50® top-performing property-casualty insurer (2021-2024)
  • Ivans Spark Award for Innovation (2024-2025)
  • Named to Newsweek and Statista's America's Most Reliable Companies list (2025), ranked among the top 300 of 1,500 B2B organizations evaluated

We offer a hybrid work schedule, requiring two full days per week in the office, with flexibility to work remotely or in office the remaining days. This model supports collaboration while providing flexibility and work-life balance.
Essential Duties and Responsibilities include, but are not limited to:
  • Cultivating solid relationships with Managing General Agents and internal staff while working towards achieving the most optimal outcomes for Merchants and our policyholders.
  • Directs and monitors the activities of the assigned Managing General Agents to ensure adherence to corporate underwriting policy and service standards.
  • Assists with program development for all Corporate Programs while working with Senior Corporate Programs Manager and Program Analyst as required.
  • Responsible for the commercial loss ratio and production goals of assigned agencies.

Qualifications & Skills:
  • Qualified candidates will have a 4 year degree or equivalent work related experience.
  • 4+ years' experience underwriting commercial lines accounts and/or product development experience.
  • Strong background in commercial lines underwriting or product development execution and practices.
  • Demonstrate the ability to underwrite and manage the assigned accounts.
  • Excellent verbal and written communication skills and must be able to operate in a team environment.
  • Property and Casualty insurance related coursework is a plus i.e. CPCU.
  • Must have good computer skills, specifically Excel and Word.

Merchants Insurance Group Pay information:
Merchants Insurance Group offers a competitive pay scale. The estimated salary for this role ranges from $85,000 - $120,000 based on leveling and geography, along with an equity component and a comprehensive benefits package. This range is merely an estimate; actual compensation may deviate from this range based on skills, experience and qualifications.
Merchants Insurance Group Benefits:
  • Welcoming and positive work environment.
  • Colleague Appreciation events.
  • Flexible work arrangements, including flex scheduling and summer hours.
  • Hybrid work schedule. The Hybrid work schedule will require two full days per week in the office, with the option of working the remaining days per week at home or in the office.
  • Competitive pay scale.
  • Company bonus program.
  • Generous paid time off package.
  • Full Benefits: Health, Dental, Vision, Life Insurance, Short Term Disability, 401(k) employer match amount is 100% up to 6% of your annual contributions. You are immediately 100% vested in the employer match dollars.
  • Tuition Reimbursement.

And many more exciting company benefits!!
Merchants Insurance Group is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status. Merchants Insurance Group supports a safe workplace through pre-employment background screenings.
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

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