1

Risk Underwriter Jobs (NOW HIRING)

Showing results 21-40

Risk Underwriter information

See salary details

$32.5K

$78.9K

$139.5K

How much do risk underwriter jobs pay per year?

As of Aug 14, 2026, the average yearly pay for risk 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 the difference between Risk Underwriter vs Insurance Underwriter?

AspectRisk UnderwriterInsurance Underwriter
CredentialsTypically requires a bachelor's degree in finance, economics, or related fields; professional certifications like CPCU or ARM are commonSimilar credentials; often holds degrees in finance or risk management and certifications such as CPCU or ARe
Work EnvironmentWorks in insurance companies, brokerage firms, or risk management departments, assessing risks for policy issuanceWorks in insurance companies or underwriting agencies, evaluating insurance applications and determining policy terms
Industry UsageUsed broadly across various insurance sectors including property, casualty, and specialty linesPrimarily within insurance companies, focusing on policy underwriting and risk assessment

Both Risk Underwriters and Insurance Underwriters assess risks to determine policy eligibility and pricing. While their roles overlap significantly, Risk Underwriters often focus on broader risk management strategies, whereas Insurance Underwriters concentrate specifically on insurance policy evaluation. Understanding these nuances helps clarify career paths and employer expectations in the insurance industry.

Is risk underwriting a high stress job?

Risk underwriting can be a high-stress job due to the responsibility of assessing and making decisions on financial risks, often under tight deadlines and with significant financial implications. It requires strong analytical skills, attention to detail, and the ability to handle pressure, especially during busy periods or when dealing with complex cases.

What does a risk underwriter do?

A risk underwriter evaluates insurance applications to determine the level of risk and decide whether to approve coverage and at what premium. They analyze factors such as applicant information, industry data, and policy details, often using specialized software, to ensure the insurer's financial stability. Strong analytical skills and knowledge of underwriting guidelines are essential for this role.

What are some common challenges faced by risk underwriters in evaluating complex insurance applications?

Risk Underwriters often encounter challenges when assessing applications that involve unique or high-value assets, emerging risks, or incomplete information. These scenarios require careful analysis, critical thinking, and sometimes collaboration with specialists or external experts to make informed decisions. Balancing the need to minimize risk for the company while providing competitive offers to clients is a key part of the role. Staying updated on industry trends and regulatory requirements also helps underwriters manage these challenges effectively.

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

To thrive as a Risk Underwriter, you need strong analytical skills, an understanding of risk assessment methodologies, and typically a degree in finance, economics, or a related field. Familiarity with underwriting software, risk modeling tools, and relevant certifications such as Chartered Property Casualty Underwriter (CPCU) are important. Attention to detail, sound judgment, and effective communication are crucial soft skills for evaluating applications and explaining decisions. These skills and qualifications ensure accurate risk evaluation, informed decision-making, and clear collaboration with clients and stakeholders.
More about Risk Underwriter jobs

What states have the most Risk Underwriter jobs?

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

Infographic showing various Risk Underwriter job openings in the United States as of August 2026, with employment types broken down into 96% Full Time, and 4% Contract. Highlights an 91% In-person, and 9% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Cyber Underwriter - West Coast (Remote)

Munich Re

Hartford, CT โ€ข On-site, Remote

Full-time

Medical, Life, Retirement, PTO

Re-posted 15 days ago


Job description

HSB, a Munich Re company, is a specialty insurer and risk solutions provider focused on cyber and technology risk. We combine underwriting expertise, cyber risk intelligence, and advanced analytics to help organizations anticipate, prevent, and mitigate evolving digital threats. Our cyber offerings are supported by proactive risk management services and datadriven insights designed to strengthen operational resilience and reduce loss-putting prevention at the center of cyber insurance.

This position is a Remote opportunity.

About the role

The Cyber & Technology Risk Underwriter I is responsible for underwriting transactional Cyber and Technology Errors & Omissions risks while supporting the growth and profitability of the cyber portfolio. This role partners closely with agents, brokers, and internal business development teams to expand the book of business, provide market insight in a rapidly evolving segment, and support product, coverage, and rate initiatives. The position also plays a key role in supporting alternative distribution channels and strategic partnerships.

Key Responsibilities

  • Underwrite new business, renewals, and endorsements for Cyber and Technology E&O risks
  • Quote, rate, bind, and issue policies, including interim policy changes throughout the policy lifecycle
  • Support execution of short and longterm underwriting and portfolio objectives
  • Monitor, evaluate, and recommend improvements to underwriting processes for direct cyber products and MGA partnerships
  • Provide market insight and recommend coverage or rate changes based on evolving cyber risk trends
  • Collaborate internally to implement product, coverage, and pricing updates
  • Manage marketing efforts and track cyberrelated client management activities
  • Partner with internal business development teams and external agents to drive new business
  • Meet with internal stakeholders and external partners to educate and train on cyber products
  • Ensure audit compliance and adherence to underwriting guidelines, standards, and authority levels

Qualifications

  • Bachelor's degree in Risk Management, Marketing, Computer Science, Engineering, or a related discipline, or equivalent work experience
  • Three or more years of experience in the insurance and/or reinsurance industry
  • One or more years of cyber liability underwriting experience preferred
  • Experience in commercial underwriting and/or insurance marketing
  • Experience in Cyber, Technology E&O, or Management Liability (carrier or consulting environment preferred)
  • IT or cybersecurityrelated experience preferred
  • CPCU, RPLU, or other relevant insurance designation preferred

Knowledge & Skills

  • Strong analytical and problemsolving abilities
  • Excellent organizational and timemanagement skills
  • Strong interpersonal and relationshipbuilding capabilities
  • Ability to collaborate effectively across teams and stakeholders
  • Solid understanding of insurance concepts and underwriting principles
  • Strong verbal and written communication skills

At The Hartford Steam Boiler, a subsidiary of Munich Re, we see Diversity and Inclusion as a solution to the challenges and opportunities all around us. Our goal is to foster an inclusive culture and build a workforce that reflects the customers we serve and the communities in which we live and work. We strive to provide a workplace where all of our colleagues feel respected, valued and empowered to achieve their very best every day. We recruit and develop talent with a focus on providing our customers the most innovative products and services. ย ย 

We are an equal opportunity employer.ย  All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status.ย  The work environment characteristics, and any physical and mental requirements described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. ย Other duties, responsibilities and activities may change or be assigned at any time with or without notice.

The Company is open to considering candidates in numerous locations, including California. ย The salary ranged posted below applies to the Company's Hartford, CT location.

ย  ย The salary range for this position is $ 84,500 - $124,000, plus opportunity for company bonus. ย In addition, the company provides a variety of benefits to employees, including health insurance coverage, an employee wellness program, life and disability insurance, a retirement savings plan, paid holidays and paid time off (PTO).

ย  ย The salary estimate displayed represents the typical salary range of candidates hired. Factors that may be used to determine your actual salary may include your specific skills, how many years of experience you have and comparison to other employees already in this role. Most candidates will start in the bottom half of the range