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Virtual Underwriter Jobs in Florida (NOW HIRING)

Senior Underwriter

Jacksonville, FL · On-site

$93.38 - $122.56/hr

Participates in virtual or in-person agent/broker meetings related to specific accounts or overall underwriting discussions. Manages assigned book in accordance with the company's profitability goals.

Senior Underwriter

Jacksonville, FL · On-site

$93K - $122K/yr

Participates in virtual or in-person agent/broker meetings related to specific accounts or overall underwriting discussions. * Manages assigned book in accordance with the company's profitability ...

Group Underwriter Senior

Miami, FL · On-site

$76K - $126K/yr

Group Underwriter Senior Group Underwriter Senior Location: This role requires associates to be in ... Please note that per our policy on hybrid/virtual work, candidates not within a reasonable ...

Group Underwriter Senior

Miami, FL · On-site

$76K - $126K/yr

Group Underwriter Senior Location: This role requires associates to be in-office 1 - 2 days per ... Please note that per our policy on hybrid/virtual work, candidates not within a reasonable ...

Group Underwriting Consultant

Miami, FL · On-site

$85K - $140K/yr

Group Underwriting Consultant Group Underwriting Consultant Location: This role requires associates ... Please note that per our policy on hybrid/virtual work, candidates not within a reasonable ...

Group Underwriting Consultant

Miami, FL · On-site

$85K - $140K/yr

Group Underwriting Consultant Location: This role requires associates to be in-office 1 - 2 days ... Please note that per our policy on hybrid/virtual work, candidates not within a reasonable ...

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Showing results 1-20

Virtual Underwriter information

See Florida salary details

$18.7K

$67.9K

$122.2K

How much do virtual underwriter jobs pay per year?

As of Aug 21, 2026, the average yearly pay for virtual underwriter in Florida is $67,908.00, according to ZipRecruiter salary data. Most workers in this role earn between $46,700.00 and $85,600.00 per year, depending on experience, location, and employer.

What is a virtual underwriter?

Virtual underwriters are insurance professionals who assess and evaluate insurance applications remotely, using digital tools and online platforms. They analyze risk factors, review documentation, and determine policy terms and premiums without needing to meet clients in person. Virtual underwriters often work from home or remote offices, leveraging technology to communicate with clients, agents, and other stakeholders. This role helps streamline the underwriting process, making it faster and more convenient for both insurers and customers.

How does a virtual underwriter typically collaborate with other departments when assessing insurance applications?

As a Virtual Underwriter, collaboration with other departments—such as claims, sales, and risk assessment teams—is essential to ensure accurate decision-making. Most communication occurs through digital channels like email, video calls, and shared document platforms. You’ll frequently consult with agents or brokers to clarify application details and may work closely with risk analysts to evaluate complex cases. This collaborative approach helps maintain consistency in underwriting decisions and supports timely policy issuance, even in a remote work environment.

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

To thrive as a Virtual Underwriter, you need strong analytical abilities, attention to detail, and a background in finance or insurance, often supported by a relevant degree or industry certification. Familiarity with underwriting software, risk assessment tools, and digital document management systems is typically required. Excellent written communication, time management, and decision-making skills help virtual underwriters excel in a remote, fast-paced environment. These skills are essential for accurately assessing risk, maintaining compliance, and ensuring efficient, high-quality service to clients and stakeholders.

What is the difference between Virtual Underwriter vs Underwriter?

AspectVirtual UnderwriterUnderwriter
CredentialsTypically requires a mortgage or insurance underwriting certification, relevant licensesSame credentials as Virtual Underwriter, often with additional experience
Work EnvironmentRemote, digital platforms, home-basedOffice-based or hybrid, depending on employer
Industry UsageCommon in mortgage, insurance, and financial servicesWidely used across finance, insurance, and banking sectors
Job FunctionsReviewing applications, assessing risk remotely, using digital toolsAssessing risk, reviewing applications, often in person or via traditional systems

The main difference between a Virtual Underwriter and an Underwriter lies in their work environment and method of operation. Virtual Underwriters perform their duties remotely using digital tools, while traditional Underwriters may work in office settings. Both roles require similar credentials and serve overlapping functions in risk assessment within financial industries.

Can you work remotely as a virtual underwriter?

Yes, virtual underwriters often work remotely, utilizing digital tools and secure systems to review and assess insurance applications from any location. Remote work arrangements depend on the employer's policies and may require specific skills such as proficiency with underwriting software and strong communication abilities.

How do I become a virtual underwriter with no experience?

To become a virtual underwriter with no experience, you should pursue relevant training or certification in underwriting, such as courses in insurance or finance, and develop strong analytical and communication skills. Gaining familiarity with underwriting software and industry standards can also improve your prospects, and entry-level positions or internships can provide practical experience to start your career.

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

The most popular types of Underwriter jobs in Florida are:

What cities in Florida are hiring for Virtual Underwriter jobs?

Cities in Florida with the most Virtual Underwriter job openings:

Infographic showing various Virtual Underwriter job openings in Florida as of August 2026, with employment types broken down into 87% Full Time, 10% Part Time, and 3% Contract. Highlights an 38% Physical, 3% Hybrid, and 59% Remote job distribution, with an average salary of $67,908 per year, or $32.6 per hour.

Underwriting Specialist OR Executive Underwriter - Middle Market

Zurich Insurance Company Ltd.

Maitland, FL • On-site

$75K - $165K/yr

Full-time

Re-posted 25 days ago


Job description

Over the past five years, Zurich North America has built a world-class Middle Market operation that serves key industries across the U.S. We strive to assemble a team of dedicated Middle Market leaders and underwriters who understand this space very deeply and who grasp the unique challenges of the various industry segments and the individual customers we serve. We are looking to add to our team in Maitland, FL and hire an experienced Market Facing Property & Casualty Underwriter. We will also consider someone virtual within the State of Florida.

In this role, you will serve as a customer advocate with a focus on improving customer experience by understanding their unique risks and offering the best end-to-end solution for their Property & Casualty insurance needs.

What you can expect in a Market Facing, Middle Markets Underwriting position at Zurich:

  • You will develop and maintain relationships with broker partners and customers across all industries in support of business objectives.
  • You will leverage your Property and Casualty underwriting acumen across risk assessment, exposure evaluation and pricing to generate and maintain a profitable book of new and renewal business.
  • You will work collaboratively across business units including but not limited to; claims, finance, risk engineering, actuary, and technical underwriting while gaining extensive knowledge in a growing and innovative industry. 
  • You will be empowered to use your technical underwriting, negotiation and interpersonal skills to grow and develop relationships with preferred distribution partners in an assigned territory.

This role will be filled at either the Underwriting Specialist or Executive Underwriter level. The hiring manager will determine the appropriate level based upon the selected applicant’s experience and skill set relative to the qualifications listed for this position.

Underwriting Specialist Required Qualifications:

  • High School Diploma or Equivalent and 3 or more years of experience in the Underwriting or Market Facing area.
    OR
  • High School Diploma or Equivalent and 6 or more years of experience in the Claims or Underwriting Support area
    OR
  • Zurich Certified Insurance Apprentice including an Associate Degree and 1 or more years of experience in the Underwriting or Market Facing area
    OR
  • Zurich Certified Insurance Apprentice including an Associate Degree and 4 or more years of experience in the Claims or Underwriting Support area
    AND
  • Knowledge of line/s of business and the legal and regulatory guidelines
  • Knowledge of time restraints for quotes on new and renewal business
  • Experience with Microsoft Office

OR

Executive Underwriter Required Qualifications:

  • High School Diploma or Equivalent and 5 or more years of experience in the Underwriting or Market Facing area.
    OR
  • High School Diploma or Equivalent and 10 or more years of experience in the Claims or Underwriting Support area
    OR
  • Zurich Certified Insurance Apprentice including an Associate Degree and 3 or more years of experience in the Underwriting or Market Facing area
    OR
  • Zurich Certified Insurance Apprentice including an Associate Degree and 8 or more years of experience in the Claims or Underwriting Support are
    AND
  • Knowledge of Microsoft Office
  • Experience working on time restraints for quotes on new and renewal business
  • Experience working in a team environment

Preferred Qualifications: 

  • Bachelors Degree
  • Strong verbal and written communication skills
  • Microsoft Office experience

Your pay at Zurich is based on your role, location, skills, and experience. We follow local laws to ensure fair compensation. You may also be eligible for bonuses and merit increases. If your expectations are above the listed range, we still encourage you to apply—your unique background matters to us. The pay range shown is a national average and may vary by location. The combined salary range for this position is $75,000.00 - $165,000.00. The proposed salary range for the Underwriting Specialist is $75,000.00 - $125,000.00, with short-term incentive bonus eligibility set at 10%. The proposed salary range for the Executive Underwriter is $100,000.00 - $165,000.00, with short-term incentive bonus eligibility set at 15%. 

We offer competitive pay and comprehensive benefits for employees and their families. [Learn more about Total Rewards here.]

 

Why Zurich?

At Zurich, we value your ideas and experience. We offer growth, inclusion, and a supportive environment—so you can help shape the future of insurance. Zurich North America is a leader in risk management, with over 150 years of expertise and coverage across 25+ industries, including 90% of the Fortune 500®.

Join us for a brighter future—for yourself and our customers.

Zurich in North America does not discriminate based on race, ethnicity, color, religion, national origin, sex, gender expression, gender identity, genetic information, age, disability, protected veteran status, marital status, sexual orientation, pregnancy or other characteristics protected by applicable law. Equal Opportunity Employer disability/vets.

Zurich complies with 18 U.S. Code § 1033.

 

Please note: Zurich does not accept unsolicited CVs from agencies. Preferred vendors should use our Recruiting Agency Portal.

Location(s): AM - Maitland, AM - Florida Virtual Office
Remote Working: Hybrid
Schedule: Full Time
Employment Sponsorship Offered: No  
 
Linkedin Recruiter Tag: #LI-WL1 LI-ASSOCIATE #LI-HYBRID