Insurance Underwriter Job Description Template

The Insurance Underwriter job description template outlines the duties and responsibilities of professionals who assess risks and determine insurance policies and coverage for individuals and organizations. This position requires a keen eye for detail, an analytical mindset, and the ability to analyze extensive data to make informed decisions. So, if you are looking to hire an Insurance Underwriter, this job description template provides a comprehensive and clear outline of what the role entails.

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Job Purpose:

As an Insurance Underwriter, you will be responsible for evaluating and assessing insurance applications to determine the level of risk involved and make informed decisions regarding coverage and premiums.

Key Responsibilities:

  • Review and analyze insurance applications to determine risk levels and eligibility for coverage.
  • Evaluate and verify documentation such as medical records, inspection reports, and financial statements.
  • Determine appropriate coverage and premiums based on risk assessment and company policies.
  • Collaborate with agents and brokers to obtain additional information or clarification on applications.
  • Communicate decisions to agents, brokers, and policyholders in a clear and concise manner.
  • Maintain accurate records of underwriting decisions and documentation.
  • Stay up-to-date with industry trends and regulations to ensure compliance with regulatory requirements.


  • Bachelor's degree in business, finance, or a related field.
  • Proven experience in underwriting and risk assessment.
  • Strong analytical and critical thinking skills.
  • Excellent communication and negotiation skills.
  • Able to work independently and make decisions in a fast-paced environment.

Working Conditions:

  • Office setting, typically within an insurance company or agency.
  • Sitting and working at a desk for extended periods of time.
  • Occasional travel to attend meetings or conferences.


This job description is intended to convey information essential to understanding the scope of the Insurance Underwriter position and it is not intended to be an exhaustive list of skills, duties, responsibilities, or working conditions associated with the role. Management reserves the right to modify, add, or remove duties as necessary.


If you're looking to hire an Insurance Underwriter, creating a clear and engaging job posting is crucial to attract the best candidates. The job posting should convey your company's values, expectations, and requirements for the role. Here are some tips on how to create an effective Insurance Underwriter job posting:

Job Title and Summary

Start by writing a clear and concise job title that accurately reflects the position. For example, "Insurance Underwriter" or "Senior Underwriter." Follow the title with a short summary that highlights the key responsibilities and requirements for the role. This should include the level of experience needed, any necessary certifications or licenses, and the type of insurance policies the underwriter will be responsible for evaluating.
  • Use bullet points to make the summary easy to read
  • Essential Responsibilities and Duties

    Outline the essential responsibilities and duties of the Insurance Underwriter position. Provide a clear understanding of what the candidate will be responsible for on a daily basis. For example:
  • Evaluating insurance applications to determine the level of risk and premiums
  • Reviewing policies and making changes as needed
  • Collaborating with underwriting assistants and agents to ensure accurate policy coverage
  • Be specific about the types of insurance policies the underwriter will be responsible for, such as commercial property, auto, or liability insurance.

    Requirements and Qualifications

    List the knowledge, skills, and experience required for the role. For example:
  • Bachelor's degree in business, finance, or related field
  • 5+ years of experience in insurance underwriting
  • Knowledge of underwriting guidelines and regulations
  • Familiarity with insurance rating systems and software
  • Excellent analytical and problem-solving skills
  • Be sure to mention any necessary certifications or licenses, such as a Chartered Property Casualty Underwriter (CPCU) designation.

    Salary and Benefits

    Provide a range of salary and benefits for the position. This will give potential candidates an idea of what they can expect for compensation. Benefits may include health insurance, retirement plans, paid vacation and sick days, and flexible work schedules.

    Company Culture and Values

    Include a brief description of your company's culture and values. This will help candidates understand if they would be a good fit for your organization. Highlight any opportunities for professional development, community involvement, or corporate social responsibility.


    Creating an effective Insurance Underwriter job posting takes a little time and effort, but it's worth it to attract the best candidates. Follow these tips to write a clear, engaging, and informative job posting that will help you find the right person for the role.

    How do I write a job description for an Insurance Underwriter?

    To write an effective job description for an Insurance Underwriter, highlight the responsibilities and qualifications necessary for the role. Include details about evaluating applications, analyzing data, assessing risk, and making informed decisions.

    What qualifications are required for an Insurance Underwriter?

    Most Insurance Underwriter positions require a bachelor's degree in business, finance, or a related field. Additionally, employers usually prefer candidates with previous experience in the industry, as well as knowledge of insurance policies and underwriting procedures.

    What should be included in the duties of an Insurance Underwriter?

  • Evaluating insurance applications
  • Assessing risks and determining coverage levels
  • Analyzing financial and statistical data to calculate premiums
  • Collaborating with agents to review policies and make adjustments as needed
  • Ensuring compliance with regulations and underwriting guidelines
  • What soft skills are necessary for this role?

    Insurance Underwriters must possess excellent analytical and critical thinking abilities, as well as strong communication and decision-making skills. They should be detail-oriented, organized, and able to work well under pressure.

    What is the average salary for an Insurance Underwriter?

    The average annual salary for an Insurance Underwriter in the United States is around $71,000. This can vary depending on factors such as experience, industry, and location.

    What are some common job titles for Insurance Underwriters?

  • Assistant Underwriter
  • Underwriting Specialist
  • Senior Underwriter
  • Commercial Underwriter
  • Personal Lines Underwriter
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