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Underwriting Trainee Jobs (NOW HIRING)

Niural Inc

PEO Benefits Underwriting Trainee

New York, NY · On-site

$50K - $60K/yr

About the Job The PEO Benefits Underwriter Trainee is a structured, mentorship-driven entry point into group health underwriting within a PEO/master policy structure. You'll start by learning to ...

RSUI Group

Underwriter Trainee

Atlanta, GA · On-site

Launch Your Underwriting Career at RSUI RSUI is hiring for a summer 2027 class of Underwriter Trainees in Atlanta, Georgia! If you're finishing your degree and determining your underwriting career ...

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 ...

Auto-Owners Insurance

Underwriter

Montgomery, AL · 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 ...

Auto-Owners Insurance

Underwriter

Marion, IN · 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 ...

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Underwriting Trainee information

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$78.9K

$139.5K

How much do underwriting trainee jobs pay per year?

As of Jul 20, 2026, the average yearly pay for underwriting trainee 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 Underwriting Trainee vs Underwriter?

AspectUnderwriting TraineeUnderwriter
CredentialsTypically entry-level, may require a degree in finance, insurance, or related fieldProfessional certification often preferred, such as CPCU or similar
Work EnvironmentTraining programs, supervised tasks, learning-focusedDecision-making, risk assessment, independent or team-based
Job ResponsibilitiesAssisting in risk evaluation, learning underwriting processesEvaluating risks, approving or rejecting policies

In summary, an Underwriting Trainee is an entry-level role focused on learning and supporting underwriting tasks, while an Underwriter is a fully responsible professional making risk decisions independently.

What are Underwriting Trainees?

Underwriting Trainees are entry-level professionals who are learning how to evaluate insurance applications, assess risks, and determine appropriate coverage and premiums. They work under the supervision of experienced underwriters and receive training in company policies, industry regulations, and risk assessment techniques. The goal of an underwriting trainee is to develop the skills necessary to make sound decisions regarding accepting or rejecting insurance applications and to eventually become a fully qualified underwriter.

What kind of training and mentorship can an Underwriting Trainee expect during their first year?

As an Underwriting Trainee, you can expect a structured onboarding process that combines classroom learning with hands-on experience. Most insurance companies pair trainees with experienced underwriters or mentors who provide guidance on risk assessment, policy review, and client interactions. You’ll likely rotate through different insurance lines to gain a broad understanding of underwriting practices, and participate in team meetings to discuss real cases. This collaborative environment helps you build technical skills and professional networks, laying a solid foundation for advancement within the company.

How hard is it to get an underwriting job?

Securing an underwriting trainee position can be competitive, often requiring a relevant degree such as finance, economics, or business, along with strong analytical skills. Entry-level roles may also require familiarity with industry-specific software and certifications like the Chartered Insurance Professional (CIP) or similar credentials. Candidates with internship experience and good academic records tend to have better chances of obtaining such roles.

What qualifications do I need to be an underwriter?

To become an underwriting trainee, candidates typically need a bachelor's degree in finance, economics, business, or a related field. Strong analytical skills, attention to detail, and proficiency with computer software like Excel are important; some roles may also require relevant certifications such as the Chartered Insurance Underwriter (CIU) or similar credentials.

How do I become an underwriter with no experience?

To become an underwriting trainee with no experience, focus on gaining relevant knowledge through courses in insurance, finance, or risk management. Entry-level roles often require strong analytical skills, attention to detail, and proficiency with computer software; obtaining industry certifications like the Associate in Commercial Underwriting (AU) can also improve your prospects.

What are the key skills and qualifications needed to thrive as an Underwriting Trainee, and why are they important?

To thrive as an Underwriting Trainee, you need strong analytical skills, 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 Microsoft Excel are typically required, and some employers may value progress toward professional certifications like CPCU. Effective communication, organization, and a willingness to learn help candidates stand out in this entry-level position. These skills and qualities are essential for accurately assessing risks, managing data, and building a successful foundation for a career in insurance underwriting.

What is an underwriting trainee?

An underwriting trainee is an entry-level position in the insurance or financial industry where the individual learns to assess risks, evaluate applications, and determine policy terms under supervision. The role often involves training in underwriting guidelines, using specialized software, and developing analytical skills to support decision-making processes.
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What states have the most Underwriting Trainee jobs? States with the most job openings for Underwriting Trainee jobs include:
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Underwriting Trainee jobs near you
Infographic showing various Underwriting Trainee job openings in the United States as of July 2026, with employment types broken down into 91% Full Time, and 9% Part Time. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.
Underwriting Trainee

Underwriting Trainee

National Interstate Insurance Company

Richfield, OH • Hybrid

Other

Medical, Dental, Vision, Retirement, PTO

Re-posted 11 days ago

Job description

National Interstate is a member of Great American Insurance Group. As one of the leading commercial transportation insurers in the nation, we offer risk financing solutions in all 50 states tailored to meet the needs of a wide variety of transportation classes. Our offerings include traditional insurance and innovative alternative risk transfer (ART) programs, including more than a dozen group captive programs catering to niche wheels markets. We are proud to be a multiple Northcoast 99 winner and Cleveland Plain Dealer Top Workplace in Northeast Ohio. It is because of our talented and dedicated team that we are able to live out our company values of integrity, transparency, fairness, accountability, empowerment and collaboration with each transaction we make. If you are ready to join an engaging and driven team such as ours, we would love to hear from you!

At Great American, we value and recognize the benefits derived when people with different backgrounds and experiences work together to achieve business results. Our goal is to create a workplace where all employees feel included, empowered, and enabled to perform at their best.

Since 1989, National Interstate has specialized in serving the insurance needs of the wheels-based transportation industry. Our steadfast focus on developing niche expertise in product design, loss control and claim services has made National Interstate one of the most respected names in commercial transportation insurance today. (https://natl.com/)

National Interstate is looking for an Underwriting Trainee to join their team. This individual will work a hybrid schedule out of the Richfield, Ohio office.

National Interstate's culture is built on connection, shared learning, and strong relationships. To support this, employees in this role are expected to be on-site four days a week, with the flexibility to work one day remotely. Core inoffice days are Tuesday-Thursday, with the fourth day determined by business needs.

Essential Job Functions and Responsibilities

  • Learns to evaluate and underwrite new and renewal business in accordance with Company underwriting guidelines and risk appetite.
  • Learns to analyze risk information to make informed decisions on coverage, pricing, and terms.
  • Participates in collaborating with actuaries, agents, brokers, and clients to obtain necessary information and clarify details.
  • Assists with ordering additional reports and screens, such as motor vehicle reports, loss history reports, outside inspections, etc., to inform decisions.
  • Learns how to document underwriting decisions in compliance with state and federal insurance regulations.
  • Assists with evaluating existing policies for potential renewal or modification.
  • Participates in communicating underwriting decisions clearly and effectively to internal teams, agents, and brokers.
  • Develops knowledge of industry trends, regulatory changes, and market conditions.
  • Develops effective business relationships with internal and external customers/coworkers in order to attract and retain profitable business.
  • Learns to interpret, explain, and market products and services.
  • Performs other duties as assigned.

Job Requirements

Education: Bachelor's Degree in Business, Finance, Economics, Risk Management and Insurance, or a related field or equivalent experience.

Scope of Job/Qualifications: Typically participates in a formal training program for 6 months to a year. Performs work under close supervision and technical direction. Works on assignments of low to moderate technical and logistical complexity. Demonstrates basic analytical, risk assessment, and problem-solving abilities. Develops and maintains knowledge of company policies and industry laws and regulations. Strong interpersonal, communication, and negotiation skills. Develops strong analytical skills and the ability to use data to analyze situations, identify problems, and develop effective solutions.

Company:

NIIC National Interstate Insurance Company

Benefits:

We offer competitive benefits packages for full-time and part-time employees*. Full-time employees have access to medical, dental, and vision coverage, wellness plans, parental leave, adoption assistance, and tuition reimbursement. Full-time and eligible part-time employees also enjoy Paid Time Off and paid holidays, a 401(k) plan with company match, an employee stock purchase plan, and commuter benefits.

Compensation varies by role, level, and location and is influenced by skills, experience, and business needs. Your recruiter will provide details about benefits and specific compensation ranges during the hiring process. Learn more at http://www.gaig.com/careers.

*Excludes seasonal employees and interns.

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