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Property Underwriting Jobs (NOW HIRING)

Property Underwriter

Nashville, TN · On-site

$68K - $70K/yr

Position Summary The Property Underwriter is responsible for managing a portfolio of accounts and ... They develop and maintain underwriting practices and guidelines as per delegated authority and ...

Position Summary The Property Underwriter is responsible for managing a portfolio of accounts and ... They develop and maintain underwriting practices and guidelines as per delegated authority and ...

Underwriter, Property

Walnut Creek, CA · On-site

$97K - $164K/yr

Commercial lines property underwriting experience required * Proven track record of building strong business relationships with agents and insureds * Demonstrated strong written and oral ...

Position Summary The Property Underwriter is responsible for managing a portfolio of accounts and ... They develop and maintain underwriting practices and guidelines as per delegated authority and ...

Position Summary The Property Underwriter is responsible for managing a portfolio of accounts and ... They develop and maintain underwriting practices and guidelines as per delegated authority and ...

Position Summary The Property Underwriter is responsible for managing a portfolio of accounts and ... They develop and maintain underwriting practices and guidelines as per delegated authority and ...

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Property Underwriting information

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How much do property underwriting jobs pay per hour?

As of Jul 14, 2026, the average hourly pay for property underwriting in the United States is $22.75, according to ZipRecruiter salary data. Most workers in this role earn between $18.75 and $25.72 per hour, depending on experience, location, and employer.

How do I become a real estate underwriter?

To become a real estate underwriter, you typically need a bachelor's degree in finance, real estate, or a related field, along with strong analytical and communication skills. Gaining experience in mortgage lending or insurance underwriting can be beneficial, and obtaining certifications such as the Certified Residential Underwriter (CRU) or similar credentials can enhance job prospects.

What is property underwriting?

Property underwriting is the process by which insurance companies assess the risk associated with insuring a property, such as a home, commercial building, or other real estate. Underwriters evaluate factors like the property's location, construction type, value, condition, and potential hazards to determine whether to provide coverage and at what premium. They use this information to ensure the insurance policy accurately reflects the risk and protects both the insurer and the policyholder. Good property underwriting helps prevent losses and ensures fair pricing for customers.

Is underwriting a high paying career?

Property underwriting is generally considered a well-paying career, especially with experience and professional certifications. Salaries vary by location and company, but underwriters typically earn competitive wages within the insurance industry, with opportunities for advancement and increased earnings over time.

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

To excel as a Property Underwriter, you need strong analytical abilities, attention to detail, and a solid understanding of risk assessment, typically supported by a degree in finance, business, or a related field. Familiarity with underwriting software, risk modeling tools, and industry certifications such as CPCU or AINS is often required. Exceptional communication, negotiation, and decision-making skills help you effectively collaborate with agents and clients. These competencies ensure accurate risk evaluation, profitable underwriting decisions, and strong client relationships in the property insurance sector.

Will AI replace underwriting?

Property underwriters analyze risk and determine policy terms, and AI is increasingly used to automate data analysis and streamline decision-making processes. While AI can handle routine tasks and improve efficiency, human underwriters are still essential for complex assessments, judgment, and regulatory compliance. The role is evolving to include oversight of AI tools and interpretation of nuanced information.

What does a property underwriter do?

A property underwriter evaluates insurance applications for properties to determine risk and coverage eligibility. They analyze factors such as property condition, location, and applicant information, often using specialized software, to decide on policy approval and premium rates.

What are some common challenges faced by Property Underwriters, and how can they be managed effectively?

Property Underwriters often encounter challenges such as accurately assessing risk for diverse property types, keeping up with regulatory changes, and balancing the need for thorough analysis with tight deadlines. Managing these challenges typically involves leveraging advanced risk assessment tools, collaborating closely with risk engineers and field inspectors, and staying updated on industry trends and local regulations. Effective communication with brokers and clients also helps underwriters make informed decisions while maintaining strong business relationships.

What is the difference between Property Underwriting vs Property Claims Adjuster?

AspectProperty UnderwritingProperty Claims Adjuster
Primary RoleAssessing risk and determining policy terms for property insuranceInvestigating and settling property insurance claims
Required CredentialsInsurance licenses, underwriting certifications, sometimes a degree in finance or risk managementInsurance licenses, claims adjusting certifications, often a background in insurance or law
Work EnvironmentOffice-based, collaborating with agents and brokersFieldwork and office work, interacting with policyholders and repair professionals
Industry UsageCommon in insurance companies, brokers, and underwriting firms

Property Underwriting focuses on evaluating risks before issuing policies, while Property Claims Adjusters handle claims after a loss occurs. Both roles require insurance knowledge and licenses but serve different stages of the insurance process.

More about Property Underwriting jobs
What cities are hiring for Property Underwriting jobs? Cities with the most Property Underwriting job openings:
What states have the most Property Underwriting jobs? States with the most job openings for Property Underwriting jobs include:
Senior Underwriting Specialist, Lexington Property

Senior Underwriting Specialist, Lexington Property

AIG

Atlanta, GA • On-site

$94K - $112K/yr

Other

Re-posted 15 days ago


AIG rating

8.4

Company rating: 8.4 out of 10

Based on 22 frontline employees who took The Breakroom Quiz

101st of 281 rated insurance


Job description

At AIG, we are reimagining the way we help customers to manage risk. Join us as a Senior Underwriting Specialist to play your part in that transformation. It’s an opportunity to grow your skills and experience as a valued member of the team.

Make your mark in Lexington Property UnderwritingAIG’s Lexington Insurance Company is the leading US-based surplus lines insurer. For over 50 years, it has provided flexible solutions to companies and organizations of all sizes – from Fortune 100 corporations to small and middle market entities. Lexington is renowned for its ability to help brokers find solutions to the most challenging insurance needs of their clients. Drawing on their entrepreneurial spirit, colleagues are encouraged each day to rise to challenges and embrace opportunities to make a difference.

How you will create an impact

The Senior Underwriting Specialist, Property (E&S) is responsible for leading and overseeing Property underwriting within an assigned Zone, with accountability for portfolio profitability, underwriting quality, talent development, and execution of strategic initiatives. This role has a strong strategic leadership component, including development, implementation, and ongoing evaluation of underwriting strategies and guidelines across pricing, appetite, capacity deployment, marketing, staffing, renewals, and budgeting.

The Underwriting Manager provides referral authority for the most complex Property risks and partners closely with the Head of Property for the Zone to drive consistent underwriting discipline, profitable growth, and a strong, inclusive team culture. This role plays a key leadership position across Lexington and collaborates extensively with Distribution, other lines of business, and regional leadership.

  • Lead and manage all Property E&S underwriting within the assigned Zone, including referral decisions for the most complex and high‑severity risks.

  • Set underwriting direction and ensure consistent execution of underwriting strategies, guidelines, appetite, pricing, and portfolio management objectives.

  • Oversee portfolio performance to achieve production goals while maintaining budgeted loss and expense ratios.

  • Assign, manage, and prioritize the work of a team of Property underwriters; provide clear direction, coaching, and performance feedback.

  • Serve as a senior technical and leadership resource, mentoring and developing underwriters with a focus on underwriting acumen, judgment, and career progression.

  • Partner with Distribution, brokers, and internal stakeholders to develop and execute broker engagement, production, and portfolio strategies.

  • Collaborate across AIG divisions and lines of business to support cross‑selling opportunities and enterprise alignment.

  • Monitor underwriting quality and adherence to guidelines through reports, audits, and ongoing oversight of the assigned book of business.

  • Maintain a strong understanding of market conditions, emerging risks, and competitive dynamics to inform strategic decisions.

  • Support planning and budgeting activities, including staffing, production targets, and expense management.

  • Drive a culture of inclusion, collaboration, accountability, and continuous improvement within the Zone.

What we’re looking for:

  • 10+ years of Commercial Property E&S underwriting experience, including significant leadership or people‑management responsibility.

  • Expert technical Property underwriting knowledge across a broad spectrum of E&S risks, including primary, shared, layered, and excess placements.

  • Proven ability to set underwriting direction, manage a balanced portfolio, and exercise sound judgment on complex risks.

  • Demonstrated strategic leadership skills, including portfolio management, market segmentation, and business planning.

  • Established relationships with brokers and distribution partners and a strong external market presence.

  • Experience mentoring and developing underwriting talent, including succession planning and bench strength development.

  • Strong business acumen with the ability to evaluate performance, manage competing priorities, and make timely decisions in a fast‑paced environment.

  • Collaborative leadership style with the ability to partner effectively across regions, divisions, and functions.

  • Commitment to building and sustaining a diverse, inclusive, and high‑performing underwriting organization.

Ready to maximize your impact? We would love to hear from you.

#LI-AIG1

At AIG, we value in-person collaboration as a vital part of our culture, which is why we ask our team members to be primarily in the office. This approach helps us work together effectively and create a supportive, connected environment for our team and clients alike.

Enjoy benefits that take care of what matters

At AIG, our people are our greatest asset. We know how important it is to protect and invest in what’s most important to you. That is why we created our Total Rewards Program, a comprehensive benefits package that extends beyond time spent at work to offer benefits focused on your health, wellbeing and financial security—as well as your professional development—to bring peace of mind to you and your family.

Reimagining insurance to make a bigger difference to the world

American International Group, Inc. (AIG) is a global leader in commercial and personal insurance solutions; we are one of the world’s most far-reaching property casualty networks. It is an exciting time to join us — across our operations, we are thinking in new and innovative ways to deliver ever-better solutions to our customers. At AIG, you can go further to support individuals, businesses, and communities, helping them to manage risk, respond to times of uncertainty and discover new potential. We invest in our largest asset, our people, through continuous learning and development, in a culture that celebrates everyone for who they are and what they want to become.

Welcome to a culture of inclusion

We’re committed to creating a culture that truly respects and celebrates each other’s talents, backgrounds, cultures, opinions and goals. We foster a culture of inclusion and belonging through learning, cultural awareness activities and Employee Resource Groups (ERGs). With global chapters, ERGs are a cornerstone for our culture of inclusion. The talent of our people is one of AIG’s greatest assets, and we are honored that our drive for positive change has been recognized by numerous recent awards and accreditations.

AIG provides equal opportunity to all qualified individuals regardless of race, color, religion, age, gender, gender expression, national origin, veteran status, disability or any other legally protected categories.

AIG is committed to working with and providing reasonable accommodations to job applicants and employees with disabilities. If you believe you need a reasonable accommodation, please send an email to candidatecare@aig.com.

Functional Area:

UW - Underwriting

Lexington Specialty Insurance Agency, Inc.


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About AIG

Sourced by ZipRecruiter

American International Group, Inc. (AIG) is a leading global insurance organization. Building on 100 years of experience, today AIG member companies provide a wide range of property casualty insurance, life insurance, retirement solutions, and other financial services to customers in more than 80 countries and jurisdictions. These diverse offerings include products and services that help businesses and individuals protect their assets, manage risks and provide for retirement security.

Industry

Insurance services

Company size

10,000+ Employees

Headquarters location

New York, NY, US

Year founded

1919