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Property Underwriter Jobs (NOW HIRING)

Ryan Specialty

Property Underwriter

New York, NY · Hybrid

Position Summary We are seeking an experienced Property Underwriter to join our growing Middle Market Property team. This is an excellent opportunity for a highly motivated underwriter who thrives in ...

New

Hippo Insurance

Property Underwriter

Austin, TX · On-site

Property Underwriter Location: Austin, TX, Dallas, TX (Hybrid/Flexible) Reporting to: Senior Manager, Underwriting About Hippo: Hippo was built on a promise: make homeownership effortless. Nearly a ...

Ryan Specialty

Property Underwriter

Melville, NY · Hybrid

Position Summary We are seeking an experienced Property Underwriter to join our growing Middle Market Property team. This is an excellent opportunity for a highly motivated underwriter who thrives in ...

New

Ryan Specialty

Property Underwriter

New York, NY · Hybrid

Position Summary We are seeking an experienced Property Underwriter to join our growing Middle Market Property team. This is an excellent opportunity for a highly motivated underwriter who thrives in ...

New

Ryan Specialty

Property Underwriter

Melville, NY · Hybrid

Position Summary We are seeking an experienced Property Underwriter to join our growing Middle Market Property team. This is an excellent opportunity for a highly motivated underwriter who thrives in ...

New

Hippo Insurance

Property Underwriter

Austin, TX · On-site

Property Underwriter Location: Austin, TX, Dallas, TX (Hybrid/Flexible) Reporting to: Senior Manager, Underwriting About Hippo: Hippo was built on a promise: make homeownership effortless. Nearly a ...

Chubb

Senior Underwriter, Property

San Francisco, CA · On-site

$100K - $165K/yr

The Senior Property Underwriter will manage a property renewal book while also producing new business. The position will primarily be focused on underwriting mono-line property opportunities. However ...

Chubb

Senior Underwriter, Property

Whitehouse Station, NJ · On-site

$100K - $165K/yr

The Senior Property Underwriter will manage a property renewal book while also producing new business. The position will primarily be focused on underwriting mono-line property opportunities. However ...

Chubb

Senior Underwriter, Property

Whitehouse Station, NJ · On-site

$100K - $165K/yr

The Senior Property Underwriter will manage a property renewal book while also producing new business. The position will primarily be focused on underwriting mono-line property opportunities. However ...

QBE Insurance Group

$83K - $98K/yr

Senior Underwriter Property Deutschland****Rollen-Highlights*** Hybride Position mit Standort in einem unserer deutschen Büros (Düsseldorf, Hamburg oder München)* Nutze die Chance, Deine ...

The Hartford

Large Property Underwriter

Los Angeles, CA

$99K - $186K/yr

Role Overview As part of our expanding Large Property business unit, you'll manage relationships with agents/brokers across a defined territory. You'll underwrite new and renewal business, deliver ...

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Property Underwriter information

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$64.5K

$107.5K

$172.5K

How much do property underwriter jobs pay per year?

As of Aug 17, 2026, the average yearly pay for property underwriter in the United States is $107,464.00, according to ZipRecruiter salary data. Most workers in this role earn between $70,500.00 and $166,000.00 per year, depending on experience, location, and employer.

What is a property underwriter?

A property underwriter is responsible for determining the insurance premium funds and coverage amounts needed for property such as real estate, vehicles, and boats. Your main job duties as a property underwriter include screening applicants and examining the risk associated with a property based on factors such as borrower claims history, loan amounts, and environmental circumstances. The career typically requires a bachelor’s degree in business, finance, or a related field and strong analytical skills. You may also pursue professional certification from insurance organizations to demonstrate your expertise and gain a competitive advantage with employers.

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

To thrive as a Property Underwriter, you need strong analytical skills, attention to detail, and a background in finance, insurance, or risk management—often supported by a relevant degree or professional certification (such as CPCU). Familiarity with underwriting software, risk assessment tools, and industry databases is typically required. Excellent communication, negotiation, and decision-making abilities help you stand out in evaluating risks and collaborating with clients and brokers. These skills are crucial for accurately assessing property risks, making sound underwriting decisions, and maintaining profitable insurance portfolios.

What are some common challenges faced by property underwriters in evaluating complex commercial properties?

Property underwriters often encounter challenges when assessing complex commercial properties due to factors like unique building features, diverse occupancy types, and varying local regulations. Accurately determining replacement costs and understanding specialized risks—such as environmental hazards or historical building concerns—require thorough research and strong analytical skills. Collaborating closely with risk engineers, brokers, and claims professionals is essential to gather all necessary information and ensure comprehensive risk assessment. Staying updated on market trends and regulatory changes also helps underwriters make informed decisions and provide competitive, accurate quotes.

Do property underwriters make a lot of money?

Property underwriters typically earn a median annual salary that varies by experience and location, with entry-level positions starting around $50,000 and experienced underwriters earning over $80,000. Salaries can increase with industry certifications and advanced skills in risk assessment and underwriting software.

Is property underwriting a stressful job?

Property underwriting can be stressful due to the need for accuracy, risk assessment, and meeting deadlines. Underwriters often work with complex data and must make critical decisions, which can contribute to job pressure, especially during high workload periods or when dealing with difficult cases.

What qualifications do you need to be a property underwriter?

To become a property underwriter, candidates typically need a bachelor's degree in fields such as finance, business, or risk management. Relevant skills include strong analytical abilities, attention to detail, and knowledge of insurance policies and underwriting software. Professional certifications like the Chartered Property Casualty Underwriter (CPCU) can enhance job prospects.
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Property Underwriter jobs near you
Infographic showing various Property Underwriter job openings in the United States as of August 2026, with employment types broken down into 85% Full Time, 13% Part Time, 1% Temporary, and 1% Contract. Highlights an 93% Physical, 2% Hybrid, and 5% Remote job distribution, with an average salary of $107,464 per year, or $51.7 per hour.

Property Underwriter

Ryan Specialty

New York, NY • Hybrid

Full-time

PTO

Posted 3 days ago

New

Job description

Position Summary

We are seeking an experienced Property Underwriter to join our growing Middle Market Property team. This is an excellent opportunity for a highly motivated underwriter who thrives in a fast-paced, transactional environment and enjoys building strong broker relationships while driving profitable growth.
This role offers a combination of underwriting expertise, business development, and relationship management. The successful candidate will manage both new business and renewal opportunities, collaborate closely with brokers, and play a key role in expanding our Middle Market Property portfolio throughout the region.
You'll be joining a collaborative team environment where underwriters support one another, share expertise, and work together to achieve results. Team culture is built on strong relationships, communication, and a shared commitment to success.
This position is ideal for an underwriter who enjoys true underwriting, thrives on broker interaction, and wants to be part of a team-oriented culture focused on profitable growth.
Location: Hybrid out of either the Melville, NY or New York City office.

What will your job entail?

  • Underwrite and manage Middle Market Property accounts, including both new business and renewals.

  • Evaluate risks, determine coverage terms, pricing, and underwriting strategy in alignment with company guidelines.

  • Build and maintain strong relationships with brokers and agents to drive profitable growth and expand market presence.

  • Manage a high-volume underwriting workload in a fast-moving, transactional environment.

  • Review submissions, analyze exposures, and make sound underwriting decisions within delegated authority.

  • Prepare and deliver competitive quotes while maintaining underwriting profitability.

  • Negotiate terms, conditions, and pricing with brokers to secure quality business.

  • Identify opportunities to grow existing broker relationships and increase market share.

  • Participate in marketing activities including broker visits, industry events, lunches, dinners, and networking opportunities.

  • Collaborate with underwriting peers and leadership to ensure outstanding service and responsiveness.

  • Stay informed on market conditions, emerging risks, underwriting trends, and competitive factors that impact business decisions.

What Success Looks Like

  • Consistently producing and managing profitable business.

  • Effectively handling a high volume of submissions and quotations.

  • Building strong broker relationships that generate repeat business.

  • Contributing to new business growth and retention objectives.

  • Becoming a trusted underwriting resource and team collaborator.

  • Delivering responsive service while maintaining underwriting discipline.

Training & Development

New hires receive dedicated onboarding and underwriting training led by the management team, including opportunities to shadow experienced underwriters and gain exposure to team best practices, workflows, and systems.

Required Qualifications

  • 5+ years of commercial Property underwriting experience.

  • Experience underwriting Middle Market Property risks.

  • Strong technical underwriting, risk assessment, and pricing capabilities.

  • Proven ability to manage both new business and renewal accounts.

  • Experience building and maintaining broker relationships.

  • Strong negotiation, communication, and relationship management skills.

  • Ability to manage multiple priorities in a high-volume underwriting environment.

  • Understanding of commercial property insurance products, coverage forms, and underwriting principles.

Preferred Qualifications

  • Bachelor's degree in Business, Risk Management, Insurance, Finance, or a related field.

  • Professional insurance designations such as CPCU, CIC, or similar.

  • Established broker relationships within the New York marketplace.

  • Experience working in a production-focused underwriting role.

Why Join Us?

  • Opportunity to join a growing Middle Market Property platform.

  • Highly visible role with significant broker interaction and market presence.

  • Collaborative team culture where colleagues support one another's success.

  • Strong balance of underwriting authority, relationship management, and business development responsibilities.

  • Exposure to a steady flow of new business opportunities and an active marketplace.

Ryan Specialty is an Equal Opportunity Employer. We are committed to building and sustaining a diverse workforce throughout the organization.Our vision is an inclusive and equitable workplace where all employees are valued for and evaluated on their performance and contributions. Differences in race, creed, color, religious beliefs, physical or mental capabilities, gender identity or expression,sexual orientation, and many other characteristics bring together varied perspectives and add value to the service we provide our clients, trading partners,and communities.This policy extends to all aspects of our employment practices, including but not limited to, recruiting, hiring, discipline, firing, promoting, transferring, compensation, benefits, training, leaves of absence, and other terms, conditions, and benefits of employment.

How We Support Our Teammates

Ryan Specialty seeks to offer our employees a comprehensive and best-in-class benefits package that helps them - and their family members - achieve their physical, financial, and emotional well-being goals. In addition to paid time off for company holidays, vacation, sick and personal days, Ryan offers paid parental leave, mental health services and more.

The target salary range for this position is $88,000.00 - $110,000.00 annually.

The wage range for this role considers many factors, such as training, transferable skills, work experience, licensure and certification, business needs, and market demands. The pay range is subject to change and may be modified in the future. Full-time roles are eligible for bonuses and benefits. For additional information on Ryan Specialty Total Rewards, visit our website https://benefits.ryansg.com/.

We provide individuals with disabilities reasonable accommodations to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment in accordance with applicable law. Please contact us to request an accommodation at HR@Ryansg.com

The above is intended to describe this job's general requirements. It is not to be construed as an exhaustive statement of duties, responsibilities, or physical requirements. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

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