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Property Underwriting Jobs (NOW HIRING)

Chubb

Senior Underwriter, Property

Whitehouse Station, NJ · On-site

$100K - $165K/yr

Underwriting will include marketing and servicing accounts based on Chubb guidelines. The candidate will be responsible for developing and implementing a business plan to grow the property book ...

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How much do property underwriting jobs pay per hour?

As of Aug 9, 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.

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.

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

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.

What qualifications do you need for property underwriting?

Property underwriters typically need a bachelor's degree in finance, insurance, or a related field. Relevant skills include strong analytical abilities, knowledge of insurance policies and underwriting software, and sometimes professional certifications like the Chartered Property Casualty Underwriter (CPCU). Experience in insurance or risk assessment is also valued.

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 does a property underwriting do?

A property underwriter evaluates insurance applications for properties to determine risk and appropriate coverage terms. They review property details, assess potential hazards, and use underwriting guidelines and tools to decide whether to approve, modify, or decline coverage, ensuring the insurer's financial stability.

Is property underwriting a good career to get into?

Property underwriting is a stable career within the insurance industry that involves assessing risk and determining policy terms. It typically requires strong analytical skills, attention to detail, and knowledge of insurance policies, with opportunities for advancement and certification. The job often offers regular hours and a professional work environment.

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:
What job categories do people searching Property Underwriting jobs look for? The top searched job categories for Property Underwriting jobs are:
Property Underwriting jobs near you
Infographic showing various Property Underwriting job openings in the United States as of August 2026, with employment types broken down into 85% Full Time, 11% Part Time, 1% Temporary, and 3% Contract. Highlights an 94% Physical, 2% Hybrid, and 4% Remote job distribution, with an average salary of $47,324 per year, or $22.8 per hour.

Underwriting Director, Inland Marine & Property

IAT Insurance Group

Naperville, IL • On-site

$82K - $200K/yr

Full-time

Medical, Retirement, PTO

Re-posted yesterday

IAT Insurance Group rating

8.7

Company rating: 8.7 out of 10

Based on 9 frontline employees who took The Breakroom Quiz

69th of 304 rated insurance

Job description

IAT Insurance Group has an immediate opening for an Underwriting Director, Inland Marine & Property from our Naperville or Rolling Meadows, Illinois location.
We're looking for an experienced Inland Marine & Property Underwriting Director to step into a visible, impact-driven role. This is not a maintenance-only seat. You'll own and grow a book while helping us expand our footprint-bringing ideas, new relationships, and underwriting expertise that move the business forward.
This role works a hybrid schedule that requires working from the office Monday through Wednesday, with the option of working Thursday and Friday remotely.
Responsibilities:
  • Own and actively grow a profitable book of inland marine and property business across the region
  • Build and strengthen agency relationships to drive consistent, high-quality new business flow
  • Evaluate risks, pricing, and coverage structures using experience and judgment, knowing when to lean in and when to walk away
  • Analyze submissions, loss history, exposure changes, and external data to make informed, disciplined underwriting decisions
  • Set pricing that reflects the risk, using advanced loss analysis and sound judgment aligned with company strategy
  • Structure deals creatively when needed, using coverage features, deductibles, or reinsurance to meet both client and company goals
  • Interpret policies and contracts clearly, providing guidance to brokers and internal partners, including claims when questions arise
  • Meet in person with distribution partners a minimum of 5 times per month. These visits keep us close to market activity, sharpen our read on emerging trends, and ensure our partners understand where we're focused and why.
  • Perform other duties as needed

Qualifications:
Must-Have:
  • Bachelor's degree in Risk Management, Finance, Business, Economics, or a related field
  • 7+ years of inland marine and/or property underwriting experience
  • Strong understanding of the insurance marketplace, including inland marine and property products, pricing, and competitive dynamics
  • Proven ability to develop broker relationships that support both new and renewal business opportunities
  • Confidence in risk selection, pricing, and structuring deals, including the use of deductibles, coverage features, or reinsurance where appropriate
  • To qualify, applicants must be authorized to work in the United States and must not require VISA sponsorship, now or in the future, for employment purposes

Preferred to Have:
  • Industry designations CPCU, ARM, or AU
  • Master's Degree
  • Exposure to loss control or risk engineering-you think beyond the submission and into the actual risk

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. We maintain a drug-free workplace and participate in E-Verify.
Compensation:
Please note, that the annual gross salary range associated with this posting is $82,960 - $200,500. Actual salaries will vary based on factors such as a candidate's qualifications, skills, competencies, and geographical location related to this specific role. The total compensation will include a base salary, performance-based bonus opportunities, 401(K) match, profit-sharing opportunities, and more.
To view details of our full benefits, please visit:
https://www.iatinsurancegroup.com/careers/benefits
IAT Insurance Group is the largest private, family-owned property and casualty insurer in the U.S. Insurance Answers Together® is how we define IAT, in letter and in spirit. We work together to provide solutions for people and businesses. We collaborate internally and with our partners to provide the best possible insurance and surety options for our customers.
At IAT, we're committed to driving and building an open and supportive culture for all. Our employees propel IAT forward - driving innovation, stable partnerships and growth. That's why we continue to build an engaging workplace culture to attract and retain the best talent.
We offer comprehensive benefits like:
  • 26 PTO Days (Entry Level) + 12 Company Holidays = 38 Paid Days Off
  • 7% 401(k) Company Match and additional Profit Sharing
  • Hybrid work environment
  • Numerous training and development opportunities to assist you in furthering your career
  • Healthcare and Wellness Programs
  • Opportunity to earn performance-based bonuses
  • College Loan Assistance Support Plan
  • Educational Assistance Program
  • Mentorship Program
  • Dress for Your Day Policy

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. We maintain a drug-free workplace and participate in E-Verify.

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