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Underwriter Trainee Jobs in Kentucky (NOW HIRING)

Auto-Owners Insurance

Underwriter

Lexington, KY · On-site

Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated underwriting trainee to join our team. This job performs and applies insurance coverage, rules and guidelines to execute ...

W. R. Berkley Corporation

$90 - $120/hr

Company Details Nautilus delivers smart underwriting solutions and exceptional customer experiences to appointed General Agents in all 50 states and D.C. We focus on providing solutions to benefit ...

New

Zurich 56 Company Ltd

$100 - $215/hr

Executive Underwriter OR AVP Underwriting Director, Environmental Casualty 136051 Zurich is seeking an experienced Executive Underwriter or AVP, Underwriter Director - Environmental Casualty ...

AXA Group

$108 - $209/hr

Underwriting both new and renewal business. Assisting in achieving profitable premium and rate goals, working with actuarial and claims to successfully delivering results consistent with financial ...

New

Chubb Life Fund

$110 - $160/hr

The Senior Surety Underwriter's primary responsibility is to underwrite individual surety risks through a demonstration of the following skills and abilities: * Fundamental Surety Underwriting.

New

NACBA

$120 - $192/hr

About the Role As an Underwriter on the Lawyers Professional Liability (LPL) team, you will be at the heart of evaluating, pricing, and managing a diverse portfolio of law firm risks. Working ...

The Doctors Company

$150 - $210/hr

The VP Underwriter independently underwrites hospitals/health systems and other complex risks, manages key broker and customer relationships, and contributes expert insight to underwriting guidelines ...

New

Summit Consulting

$80 - $133/hr

## Production Underwriter/Senior Production Underwriter - Workers' CompensationApplylocations: Woodland Hillls, CA (USA)time type: Full timeposted on: Posted 10 Days Agojob requisition id: R9308**Be ...

First National Bank Alaska

$80 - $110/hr

Mortgage Underwriter Start a career with First National Bank Alaska, the Best Place to Work in Alaska as recognized 11 years in a row by Alaska Business magazine readers. Now Hiring a Mortgage ...

Old Republic Title

$75 - $110/hr

Old Republic Title is seeking an experienced Senior Underwriter to provide expert underwriting guidance, support title operations, and deliver exceptional customer service. This role is responsible ...

AXIS Capital

$135 - $220/hr

Senior Underwriter - Builders Risk New York, Chicago, Alpharetta, San Francisco, Los Angeles Hybrid Position Description AXIS' US Construction team is seeking an experienced Senior Underwriter to ...

New

Insurate

$115 - $150/hr

We believe the best underwriting decisions come from experienced professionals empowered with the right tools, collaborative teammates, and the autonomy to do what they do best. We're looking for a ...

IAT Insurance Group

$81 - $128/hr

IAT Surety has an immediate opening for a Surety Senior Underwriter located in our Birmingham, Alabama or Alpharetta, Georgia location that will be handling both contract and commercial surety. This ...

EMC Insurance

$93 - $141/hr

Educates agents on EMC products, underwriting appetite, systems and services. * Visits agencies to discuss accounts and provide agents with updates at EMC in order to maximize opportunities.

New

Intact Insurance Group

$96 - $142/hr

Senior Underwriter - Crime & Fidelity (Hybrid or Remote) Our employees are at the heart of what we do: helping people, businesses and society prosper in good times and be resilient in bad times. When ...

New

AmTrust Financial Services Inc.

$92 - $130/hr

This underwriting position is designed for an individual with a minimum of seven (7) years of E&S (excess & surplus lines experience) writing medium to high hazard general liability insurance.

H. T. PROF Group

$90 - $130/hr

This role focuses on underwriting Lead Umbrella and Excess Liability accounts across manufacturing, contracting, retail services, and distribution. The position supports a nationwide producer base ...

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All JobsUnderwriter JobsUnderwriter Trainee JobsUnderwriter Trainee Jobs in Kentucky

Underwriter Trainee information

See Kentucky salary details

$28.2K

$68.5K

$121.2K

How much do underwriter trainee jobs pay per year?

As of Aug 30, 2026, the average yearly pay for underwriter trainee in Kentucky is $68,508.00, according to ZipRecruiter salary data. Most workers in this role earn between $53,000.00 and $75,600.00 per year, depending on experience, location, and employer.

What is an underwriter trainee?

An Underwriter Trainee is an entry-level professional who learns how to evaluate risks and determine appropriate insurance coverage and premiums under the supervision of experienced underwriters. Their training involves learning about insurance policies, analyzing applications, assessing potential risks, and making recommendations based on company guidelines. This role serves as a starting point for a career in underwriting, providing foundational knowledge and practical experience in the insurance industry.

What are the key skills and qualifications needed to thrive as an underwriter trainee?

To thrive as an Underwriter Trainee, you need strong analytical abilities, attention to detail, and a bachelor's degree in finance, business, or a related field. Familiarity with underwriting software, risk assessment tools, and proficiency in Excel are commonly required, and industry certifications like CPCU can be advantageous. Excellent communication, problem-solving, and organizational skills help you collaborate with stakeholders and manage multiple priorities. These skills are essential to accurately assess risk, make informed decisions, and contribute to the overall profitability and integrity of the insurance company.

What are some typical challenges an underwriter trainee might encounter during their first year on the job?

As an Underwriter Trainee, one common challenge is learning to balance risk assessment with client needs, while adhering to company policies and regulatory requirements. Trainees often need to quickly develop a strong understanding of underwriting guidelines and how to apply them to real-world cases, which can be complex and varied. Additionally, adapting to a fast-paced environment and effectively collaborating with senior underwriters, brokers, and agents requires strong communication and organizational skills. Overcoming these challenges is an important part of gaining confidence and proficiency in the role.

What is the difference between Underwriter Trainee vs Underwriter?

AspectUnderwriter TraineeUnderwriter
Required CredentialsBachelor's degree, training programsExperience, certifications like CPCU or ARM often preferred
Work EnvironmentTraining programs, supervised tasksIndependent decision-making, client interaction
Employer & Industry UsageInsurance companies, entry-level rolesInsurance companies, experienced roles
Search & Comparison IntentLearning about entry-level underwriting rolesUnderstanding experienced underwriting positions

The main difference between an Underwriter Trainee and an Underwriter is experience level. Trainees are in training, focusing on learning the basics, while Underwriters have gained experience and handle complex risk assessments independently.

How do you become an underwriter trainee with no experience?

To become an underwriter trainee with no experience, candidates typically need a bachelor's degree in fields like finance, business, or economics. Entry-level roles often require strong analytical skills, attention to detail, and proficiency with computer software such as Excel; some companies may also offer training programs or on-the-job learning to develop underwriting skills.

How much do beginner underwriter trainees make?

Beginner underwriter trainees typically earn between $40,000 and $55,000 annually, depending on the industry, location, and company. Entry-level roles often include training on underwriting software and risk assessment, with salaries increasing as skills and experience grow.

What do underwriter trainees do?

Underwriter trainees assist in evaluating insurance applications by reviewing risk factors, analyzing data, and determining policy eligibility. They learn to use underwriting guidelines and may work under the supervision of experienced underwriters to develop their skills in assessing risk and making coverage decisions.

What are the most commonly searched types of Underwriter jobs in Kentucky?

The most popular types of Underwriter jobs in Kentucky are:

What are popular job titles related to Underwriter Trainee jobs in Kentucky?

For Underwriter Trainee jobs in Kentucky, the most frequently searched job titles are:

What job categories do people searching Underwriter Trainee jobs in Kentucky look for?

The top searched job categories for Underwriter Trainee jobs in Kentucky are:

What cities in Kentucky are hiring for Underwriter Trainee jobs?

Cities in Kentucky with the most Underwriter Trainee job openings:

Underwriter Trainee jobs near you
Infographic showing various Underwriter Trainee job openings in Kentucky as of August 2026, with employment types broken down into 100% Full Time. Highlights an 77% In-person, 8% Hybrid, and 15% Remote job distribution, with an average salary of $68,508 per year, or $32.9 per hour.

Underwriter

Lexington, KY • Hybrid

Auto Owners Insurance Company
Insurance Services • 5 - 10K employees

9.2

Company rating: 9.2 out of 10

Based on 35 frontline employees who took The Breakroom Quiz

23rd of 315 rated insurance

People enjoy working here

Good employer

Recommended by parents

Learn more about Auto Owners Insurance Companyexternal

Full-time

Retirement, PTO

Re-posted 16 days ago

Job description

A career at Auto-Owners is challenging and rewarding. Our group of caring associates create financial security by helping individuals and businesses make a new start when a loss occurs.

Job Description

Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated underwriting trainee to join our team. This job performs and applies insurance coverage, rules and guidelines to execute the underwriting decision-making process according to Company underwriting philosophy. This job includes training and development through completion of the Company's underwriter training program for the assigned line of insurance and requires the person to:

  • Learn various insurance coverages and contracts along with company philosophy and procedures, in order to make underwriting decisions
  • Read, interpret, and react to documents such as policies, manuals, forms, and endorsements to understand their meaning and use
  • Assemble information, develop opinions, and clearly express decisions using sound reasoning and judgment
  • Analyze loss experience, financial conditions and physical characteristics of risks
  • Acquire a working knowledge of supporting sections of the underwriting department
  • Effectively communicate with independent agents and other associates through verbal and/or written means
  • Participate in and successfully complete the Company underwriter training program

Desired Skills & Experience

  • Bachelor's degree or direct equivalent experience with property/casualty underwriting
  • Ability to organize data, multi-task and make decisions independently
  • Above average communication skills (written and verbal)
  • Ability to write reports and compose correspondence
  • Ability to resolve complex issues
  • Continually develop product knowledge through participation in approved educational programs

Benefits

Auto-Owners offers a wide range of career opportunities, and we are seeking talent that will help us continue our long tradition of success. We offer a friendly work environment, structured training program, employee mentoring and an excellent compensation/benefits package. Along with a competitive base salary, matched 401(k), fully-funded pension plan (once vested), and bonus programs, Auto-Owners also provides generous paid time off including holidays, vacation days, personal time, and sick leave. If you're looking to do rewarding work alongside great people, Auto-Owners is the place for you!

Equal Employment Opportunity

Auto-Owners Insurance is an equal opportunity employer. The Company hires, transfers, and promotes on the basis of ability, without consideration of disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation, gender identity or national origin, or any factor contrary to federal, state or local law.

*Please note that the ability to work in the U.S. without current or future sponsorship is a requirement.

#LI-CH1 #LI-DNP #LI-Hybrid

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