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Senior Insurance Underwriter Jobs (NOW HIRING)

Old Republic Title

$75 - $110/hr

## Senior Title Insurance UnderwriterApplylocations: IL (Remote)time type: Full timeposted on: Posted ... Old Republic Title is seeking an experienced Senior Underwriter to provide expert underwriting ...

ECLARO

Group Insurance Underwriter

Minneapolis, MN · On-site

Senior Group Underwriter: Independently underwrites more difficult and complex group insurance applications; approval authority up to 5,000 lives; typically requires 3-4 years of group underwriting ...

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Senior Insurance Underwriter information

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$37K

$106.6K

$133.5K

How much do senior insurance underwriter jobs pay per year?

As of Sep 6, 2026, the average yearly pay for senior insurance underwriter in the United States is $106,601.00, according to ZipRecruiter salary data. Most workers in this role earn between $98,500.00 and $116,500.00 per year, depending on experience, location, and employer.

What is a senior insurance underwriter?

A Senior Insurance Underwriter is a professional responsible for evaluating and analyzing the risks involved in insuring people or assets, and determining appropriate policy terms and premiums. They review applications, assess financial documents, and use specialized software to decide whether to provide insurance coverage and at what cost. Senior underwriters typically handle more complex or high-value cases, mentor junior staff, and help develop underwriting guidelines. Their role is crucial in ensuring the insurance company maintains profitability while offering fair coverage to clients.

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

To thrive as a Senior Insurance Underwriter, you need deep expertise in risk assessment, policy analysis, and industry regulations, usually supported by a bachelor's degree in finance or a related field and several years of underwriting experience. Familiarity with underwriting software, statistical analysis tools, and certifications such as CPCU (Chartered Property Casualty Underwriter) are common requirements. Excellent decision-making, negotiation, and communication skills set top performers apart in this role. These capabilities ensure accurate risk evaluation, profitable policy issuance, and strong client and broker relationships in a competitive insurance market.

What are some common challenges faced by senior insurance underwriters when assessing complex or high-value risks?

Senior Insurance Underwriters often encounter challenges when evaluating complex or high-value risks, such as incomplete client information, rapidly changing market conditions, and evolving regulatory requirements. They must exercise strong analytical skills and sound judgment to balance risk exposure with the company's profitability goals. Additionally, collaborating with sales teams, actuaries, and legal departments is essential to develop tailored solutions, which can add further complexity to the decision-making process. Staying current with industry trends and risk assessment tools helps underwriters navigate these challenges effectively.

What is the difference between Senior Insurance Underwriter vs Insurance Underwriter?

AspectSenior Insurance UnderwriterInsurance Underwriter
CredentialsTypically requires 3+ years experience, relevant certifications (e.g., CPCU)Entry to mid-level experience, often pursuing certifications
Work EnvironmentMore autonomous, decision-making authority, leadership rolesSupervised, focused on assessing and processing applications
Employer & Industry UsageUsed in insurance companies, brokerage firms, and reinsuranceCommon in same settings, often as entry-level or mid-level roles

The main difference between a Senior Insurance Underwriter and an Insurance Underwriter lies in experience, decision-making authority, and responsibilities. Senior Underwriters typically have more experience, greater autonomy, and may oversee complex cases or mentor junior staff, whereas Insurance Underwriters focus on evaluating applications under supervision. Both roles are essential in the insurance industry, with the senior position representing a higher level of expertise and leadership.

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Senior Insurance Underwriter jobs near you
Infographic showing various Senior Insurance Underwriter job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 72% Full Time, 22% Part Time, and 5% Contract. Highlights an 91% Physical, 1% Hybrid, and 8% Remote job distribution, with an average salary of $106,601 per year, or $51.3 per hour.

Commercial Insurance Underwriter

Wasillachamber

Anchorage, AK • On-site

$70 - $85/hr

Other

Posted 5 days ago

Key responsibilities

  • Underwrite new and renewal commercial accounts in accordance with carrier guidelines and internal standards

  • Evaluate risk quality, exposures, pricing, coverage forms, loss history, and account profitability

  • Work with retail agents to obtain submissions, clarify exposures, negotiate terms, and deliver underwriting solutions

Job description

Commercial Underwriter / Senior Commercial Underwriter

Anchorage, AK – onsite

$70k-$85k DOE

About the Role

Our client is a highly mission-driven, Alaska-based MGA with 45 years of experience serving agents, insureds, and carrier partners. They are seeking an experienced Commercial Underwriter to help grow the future of the organization — bringing strong underwriting judgment, relationship-building skills, and a willingness to embrace AI, automation, and technology-driven innovation.

This role is ideal for someone with 4-6+ years of commercial insurance underwriting experience, preferably within an MGA or E&S environment, who can manage a meaningful book of business, support profitable growth, and contribute to a collaborative, forward-thinking team.

Licensing is preferred but not required, and while 3–5 years of experience from a background in banking, legal, finance, or mortgage is a plus, what matters most is that the candidate is teachable and brings relatable, transferable skills. The ideal candidate is detail-oriented and thrives in a fast-paced environment, is coachable, adaptable, and able to multitask and pivot as needed. They must be comfortable with and enthusiastic about technology, mission-driven, and eager to grow into leadership. Must be receptive to constructive criticism. The client offers a fun team environment, incentives, and a clear path for growth.

What You’ll Do

Manage a commercial insurance book of approximately $2–3 million in premium, with accountability for underwriting quality, profitability, responsiveness, and agency relationships.

  • Underwrite new and renewal commercial accounts in accordance with carrier guidelines and internal standards
  • Evaluate risk quality, exposures, pricing, coverage forms, loss history, and account profitability
  • Work with retail agents to obtain submissions, clarify exposures, negotiate terms, and deliver underwriting solutions
  • Manage a consistent flow of submissions, quotes, renewals, endorsements, and follow-upsBuild and maintain strong relationships with agents, carrier partners, and internal teammates
  • Handle complex commercial accounts with professionalism, responsiveness, and sound judgment
  • Collaborate with leadership on process improvements, AI tools, automation, and technology-driven workflows
  • Mentor and support underwriting assistants or less experienced team members as needed
Required Qualifications
  • 5–10+ years of commercial insurance underwriting experience
  • Prior experience in an MGA, wholesale, E&S, carrier, or commercial underwriting environment
  • Strong commercial insurance knowledge: General Liability, Property, Commercial Auto, Inland Marine, Excess, or related lines
  • Experience managing a commercial book of business, ideally $2–3M in premium or higher
  • Ability to obtain and maintain an Alaska insurance license
  • Excellent communication skills with agents, carrier partners, and internal teams
  • Strong attention to detail, underwriting discipline, and ability to document decisions clearly
  • Positive attitude toward AI, automation, and technology innovation
Preferred Qualifications
  • Experience with admitted and non-admitted markets
  • Underwriting experience in hospitality, habitational, contractors, lessor’s risk, garage, or inland marine
  • Prior experience developing agency relationships or participating in broker/agent education
  • Experience mentoring junior underwriters or underwriting assistants
  • Strong comfort with rating platforms, management systems, and digital workflows
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