Insurance Underwriter

• Underwrite new submissions to ensure new policies are correct, per guidelines
• Process endorsements, cancellations, and reinstatements, handle billing issues, and complete policy issuance
• Review all underwriting information, including applications, photographs, elevation certificates, and third-party internet resources
• Provide customer service to agents via phone support, online chat, and emails
• Actively participate in group activities, including daily huddles, team meetings, and training opportunities

Junior Underwriter managing flood insurance policies

Junior Underwriter, Flood Insurance

Junior Underwriter handling flood insurance policies with policies review and customer service support responsibilities. Joining a vibrant culture focusing on professional development opportunities and inclusivity.

• Accepting, modifying or canceling crop insurance policies for new and renewal applications according to Risk Management Agency (RMA), industry, state regulatory and company procedures
• Entering Application/Change Forms, Production Reports, Acreage Reports, Quality Control and Claims related forms
• Handling policy transfer requests
• Auditing reported policy information including Coverage, Production, Acreage, Claims, Quality Control records, farming practices, and reported entities
• Performing premium estimates for crop insurance policies
• Researching and answering crop policy questions from agents, insureds, and adjusters
• Running and auditing data reports to ensure compliance and accuracy of policy information
• Helping to train agents on Crop Insurance as well as reviewing marketing materials relating to the products and sales of Crop Insurance
• Attending company and industry training sessions
• Processing incoming paper and electronic mail

Crop Insurance Underwriter at American Farm Bureau Insurance Services, Inc.

Crop Insurance Underwriter

Crop Insurance Underwriter at American Farm Bureau Insurance Services, Inc. responsible for underwriting activities in Fargo or remote.

Crop Insurance Underwriter handling underwriting activities for crop insurance business

Crop Insurance Underwriter managing underwriting activities at AFBIS, Inc. This role involves accepting or modifying crop insurance policies and researching policy questions.

• Actively drive new business growth for your assigned book — meeting and exceeding written premium, profitability, and retention goals through proactive pipeline generation, not just responsive underwriting.
• Analyze prospective risks and make independent underwriting decisions within your level of authority, in accordance with company guidelines, owning proper file documentation end-to-end.
• Maintain in-depth knowledge of sports & fitness segment products and services, including General Liability, SAM (Sexual Abuse & Molestation) Property, A&H, Excess, and D&O.
• Own and improve hit ratio and quote-to-bind conversion by balancing quoting speed and broker responsiveness with underwriting discipline, ensuring speed never comes at the expense of risk quality.
• Monitor portfolio performance by class, geography, limit profile, and loss trends, proactively recommending corrective actions — including underwriting guideline, pricing, or appetite changes — to improve profitability, retention, and growth.
• Assess and manage accumulation, aggregation, and catastrophe exposure across your portfolio.
• Evaluate risk characteristics, loss history, exposure data, and market/carrier requirements to determine appropriate pricing, terms, conditions, limits, deductibles, and coverage structure — recommending deviations and exceptions with documented underwriting rationale.
• Analyze coverage requests, manuscript endorsements, and broker-submitted modifications to ensure alignment with underwriting intent and carrier guidelines.
• Support carrier and capacity partner relationships by maintaining underwriting discipline, preparing portfolio insights, and participating in carrier reviews when needed.
• Ensure underwriting decisions align with carrier guidelines, authority agreements, and delegated underwriting responsibilities.
• Evaluate organizational governance, participant safety programs, background screening practices, abuse prevention protocols, facility exposures, event operations, coaching oversight, and risk management controls.
• Assess unique sports exposures including participant injury risk, contact level, travel activities, overnight events, spectator exposure, and facility operations.
• Review loss runs, claims trends, and historical performance — partnering with Claims to understand emerging loss patterns — to identify risk drivers and improve future risk selection.
• Demonstrate strong analytical and decision-making ability, working within broad limits and authority on complex assignments and policies for sports organizations.
• Clearly articulate the Players Health mission, value proposition, and risk appetite to brokers and agents.
• Participate in training and documentation initiatives to build the team's knowledge base.
• Own your results with unwavering personal standards focused on goals, skills, and career growth.
• Collaborate with management on risks exceeding your authority level or requiring special handling.
• Work collaboratively within Underwriting and cross-departmentally, proactively identifying ways to improve operations, process, and workflows – especially relevant as Players Health continues to build out and mature its operations.
• Demonstrate responsiveness and urgency with brokers and colleagues alike — extending the same responsiveness to internal requests from Claims, Operations, Legal, People and other departments as to brokers.
• Support continuous improvement of our underwriting technology — testing rules, workflows, automation, and edge cases before launch, adapting quickly as the platform matures, and partnering with Technology to identify, escalate, and resolve process or system gaps.
• Ensure accurate, complete data entry into underwriting systems to support downstream automation and reporting accuracy.
• Leverage underwriting technology, automation, and AI-enabled tools to improve efficiency, consistency, and risk assessment, while applying sound professional judgment to validate AI-assisted outputs and flag where human review should override automated recommendations.
• Maintain thorough working knowledge of underwriting principles, policies, procedures, and controls, along with policy forms, endorsements, exclusions, and coverage triggers, to ensure decisions align with risk appetite and program objectives.
• Create, run, and prepare reports for management, or as necessary for carriers, partners, leaders.
• Align with and embody our company core values — Lead with Mission, Go Beyond, Operate like Owners, Virtue First, and Service.
• Travel occasionally as needed for team collaboration, events, and client/carrier meetings.
• Participate in special projects as assigned.

Underwriter for youth & amateur sports at a fast-growing sports insurance company.

New Business Underwriter – Sports Insurance

Underwriter for youth & amateur sports at Players Health, a sports insurance company. Responsible for risk assessment and managing underwriting processes to support the safety of athletes.

• Lead and oversee all underwriting activities for ASO and self-funded health plan clients, including new business, renewals, and existing account performance
• Advise and mentor junior underwriters as a senior resource / SME, offering day-to-day guidance and technical support to foster professional development and underwriting consistency
• Evaluate new business and renewal opportunities for ASO and self-funded employer groups
• Analyze medical, pharmacy, and ancillary claims experience, utilization trends, and demographic data
• Develop financial projections, renewal recommendations, and ASO fee pricing
• Assess risk and recommend appropriate specific and aggregate stop-loss coverage levels
• Coordinate with stop-loss carriers to obtain quotes, negotiate terms, and manage underwriting requirements
• Review large claimant activity and emerging risk trends to support accurate pricing decisions
• Prepare underwriting reports, proposals, and financial analyses for clients and internal stakeholders
• Collaborate with sales and account management teams to support RFP responses, client presentations, and finalist meetings
• Monitor account performance and recommend pricing, funding, or plan design adjustments as needed
• Maintain underwriting documentation and ensure compliance with company policies and underwriting guidelines
• Ensure compliance with state and federal regulations, including healthcare legislation changes by maintaining up-to-date knowledge of regulatory changes
• Develop underwriting reports, forecasts, and presentations.

Senior Underwriter overseeing ASO and self-funded health plans underwriting

Senior Underwriter – Health Insurance

Senior Underwriter overseeing underwriting for self-funded health plans and ASO administration. Leading underwriting standards and providing strategic oversight on new business and renewals.

Insurance Underwriter jobs in United States

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Junior Underwriter, Flood Insurance

Crop Insurance Underwriter

Crop Insurance Underwriter

New Business Underwriter – Sports Insurance

Senior Underwriter – Health Insurance