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Underwriter Trainee Jobs in Reno, NV (NOW HIRING)

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Underwriter Trainee information

See Reno, NV salary details

$32.4K

$78.6K

$139.1K

How much do underwriter trainee jobs pay per year?

As of Aug 4, 2026, the average yearly pay for underwriter trainee in Reno, NV is $78,647.00, according to ZipRecruiter salary data. Most workers in this role earn between $60,800.00 and $86,700.00 per year, depending on experience, location, and employer.

How much does an underwriter trainee earn?

An underwriter trainee typically earns between $40,000 and $55,000 annually, depending on location, industry, and experience. Entry-level positions may start lower, but with training and skill development, salaries can increase as they gain underwriting knowledge and certifications.

How much do beginner underwriters make?

Entry-level underwriters typically earn between $45,000 and $60,000 annually, depending on location and industry. Starting salaries may increase with relevant certifications, such as the Chartered Property Casualty Underwriter (CPCU), and experience with underwriting software and risk assessment. Compensation can also vary based on the employer and the complexity of the policies handled.

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 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.

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 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.

How do I become an underwriter trainee with no experience?

To become an underwriter trainee with no experience, candidates typically need a high school diploma or equivalent; some employers prefer or require a bachelor's degree in fields like finance, business, or economics. Entry-level positions often provide on-the-job training, and developing skills in analysis, attention to detail, and familiarity with underwriting software can improve chances. Certifications such as the Associate in Commercial Underwriting (ACU) or similar can also enhance prospects for advancement.
What are the most commonly searched types of Underwriter jobs in Reno, NV? The most popular types of Underwriter jobs in Reno, NV are:
What are popular job titles related to Underwriter Trainee jobs in Reno, NV? For Underwriter Trainee jobs in Reno, NV, the most frequently searched job titles are:
What cities near Reno, NV are hiring for Underwriter Trainee jobs? Cities near Reno, NV with the most Underwriter Trainee job openings:
Underwriter Trainee jobs near you
Infographic showing various Underwriter Trainee job openings in Reno, NV as of July 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $78,647 per year, or $37.8 per hour.

Underwriter - Personal Lines

Capital Insurance Group

Reno, NV • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 20 days ago

Job description

Why CIG?
At Capital Insurance Group we offer our employees more than just a job. We foster career growth, provide opportunities to give back to our communities, and help you take the next step in your career!
CIG was founded in 1898 by a group of earnest farmers in need of protection and today, we are the leading West Coast Property & Casualty insurer. CIG is certified as a Great Place to Work and provides a collaborative, inclusive, and fun work culture for all employees.
Why Choose CIG's Personal Lines Underwriting Team?
This is your perfect opportunity to join a company that is building momentum with our independent agents and protecting the dreams and assets of our policyholders. Join the CIG Underwriting team in helping build a safer world where dreams soar!
Benefits
  • Accrue twenty-one days of Paid Time Off during your first year
  • Up to eighty-seven percent of benefits are covered by CIG for you and your family members
    • Medical, Dental, Vision plans, Telehealth
  • One hundred percent covered plans
    • Basic Life & AD&D
    • Employee Assistance
    • Leave Management
    • Long Term Disability
    • Short Term Disability (Outside of CA)
    • Employee Benefit Advocacy Hot Line
  • Family Caregiver Support (Homethrive)
  • Child Care Resources (Tootris)
  • Business Travel Accident Protection
  • Voluntary benefit offerings
    • Short-term Disability (CA only)
    • Voluntary Life AD&D self, spouse, and child plans
    • Flexible Spending (FSA)
    • Health Savings (HSA)
    • Hospital Indemnity
    • Accidental Injury
    • Pet Insurance
    • Commuter Benefit
  • Critical Illness
  • ARAG Legal Services
  • Norton LifeLock
  • Nine paid holidays, plus two floating holidays
  • Above and Beyond Reward Recognition Program
    • Kudos & Shout Out Points Program
    • Quarterly Above and Beyond Bonus Program
    • Annual Above and Beyond Bonus Program
  • Competitive compensation
    • Base compensation
    • Salary Management Spot Bonuses
    • Annual Incentive/Profit sharing program, potential payout annually based on company results.
  • Discount partnerships
    • Gym memberships, credit union, travel, shopping, restaurants, theme parks, and more
  • Insurance, educational reimbursement, and bonus programs
  • Employee Referral Bonus Program
  • Home and Auto Insurance Discount Program.
  • Paid Volunteer Time - Through company-planned community events and choose your own adventure PVT in giving back in ways that are meaningful to you!
  • Retirement savings benefit (401k and Roth + match)
  • Health & Financial Wellness
    • Wellness platform, tools, and events - Vitality
    • Health Savings Account - match
    • Financial Wellness Resources

Work Environment & Format
This is a hybrid-eligible position, where Monday through Wednesday would be working in one of our offices, with Thursday and Friday eligible for work-from-home days. Office locations include: Reno (NV), Monterey (CA), Roseville (CA), and Phoenix (AZ).
Overview
The Personal Lines Underwriter is responsible for maintaining an underwriting desk which includes the individual risk selection according to company guidelines. In addition, the role requires maintaining profitability, establishing strong internal as well as external customer relationships. The position will provide knowledge of underwriting appetite and company philosophy to our agency partners. The individual will participate in audits and special projects as needed to facilitate the continued growth and renewal profitability goals. This person will work closely with the Underwriting Supervisor on any matters related to Personal Lines Underwriting.
Responsibilities
  • Review and maintain agency management practices for assigned agents, utilizing this information for respective file decisions and quarterly agency reviews.
  • Complete drafts for Department of Insurance complaints with the assistance of the PL Underwriting Supervisor
  • Complete underwriting and file reviews on referred new business, endorsements, inspections, CRU Claim Report to Underwriting, and renewal questionnaires.
  • Field incoming phone calls and email messages from agents to provide underwriting answers to inquiries and service for the assigned territory.
  • Achieve annual growth, loss ratio, retention and time service goals
  • Agency Management - Use of APS Agency Profile System and regular contact with ADM Agency Development Manager in a mutual partnership to facilitate production.
  • Undertakes special projects as requested by management. May participate in audit and quality control reviews.
  • Job description is not prescriptive, but rather a guide as to the duties and responsibilities you will have, however it is not limited to the listed above.

Requirements
  • Knowledge of insurance industry terminology and laws
  • General policies and procedures for underwriting personal lines insurance risks
  • A college degree is preferred with 3 years' experience as a Personal Lines underwriter or equivalent experience.
  • Demonstrated ability to apply sound underwriting principles in a professional, consultative manner.
  • Excellent verbal and written skills are required.
  • Continued personal development in insurance courses is desirable.
  • Experience with automated underwriting and rating systems.
  • Experience with Microsoft software including Word, Excel, Outlook and Power Point
  • Candidates must be authorized to work in the United States without the need for current or future visa sponsorship.

Career Path potential:
  • Sr. Underwriter - Personal Lines

Salary Range: $55,012.00 - $91,687.00
The salary range listed here has been provided to comply with local regulations and represents a potential base salary range for this role. Please note that actual salaries may vary within the range above or below, depending on experience and location. We look at compensation for each individual and base our offer on your unique qualifications, experience, and expected contributions. This position may also be eligible for other types of compensation in addition to base salary, such as benefits and bonus programs.

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