ASSISTANT UNDERWRITER JOB DESCRIPTION

When submissions sit unreviewed and broker follow-ups go unanswered, underwriting pipelines stall and renewal retention suffers. An Assistant Underwriter steps into that gap, taking on the operational and analytical work that keeps a book of commercial or specialty business moving. This role sits within the underwriting unit, reporting to a senior underwriter or underwriting manager, and touches every stage of account processing from new submission triage through policy issuance. Cert CII eligibility and familiarity with delegated underwriting authority distinguish the most effective candidates.

As the Assistant Underwriter, you support the full processing lifecycle of new and renewal accounts, applying carrier guidelines to evaluate risk eligibility and prepare submissions for underwriter review. You operate within a structured underwriting team, working directly alongside licensed underwriters and in daily contact with retail agents, wholesale brokers, and internal business development staff.

Career Impact: Hands-on exposure to commercial lines, specialty, or reinsurance portfolios at the assistant level builds the risk-assessment and delegated authority experience that carriers and MGAs expect before promoting to a full underwriting seat.

Business Impact: The accuracy and timeliness of your submission processing directly determine renewal retention rates and the team's ability to hit monthly bordereaux deadlines with clean, audit-ready files.

Growth Opportunity: Working across account clearance, rating, and policy issuance creates a documented competency base that supports CII progression and positions candidates for an Underwriter title within a defined seniority path.

• Review and prepare new and renewal submissions, verifying completeness of underwriting data before handoff to the underwriter.
• Analyze applications and rate risks in accordance with carrier guidelines and established underwriting authority.
• Issue policies, endorsements, and binders in the policy administration system by required monthly deadlines.
• Coordinate with retail agents and wholesale brokers to collect outstanding account information and document all activity in the agency management system.
• Monitor open items on reinsurance and specialty accounts, escalating gaps or inconsistencies to the assigned underwriter promptly.
• Oversee the notice-of-cancellation process and provide processing direction to underwriting assistants within the team.
• Prepare audit-ready files for carrier, reinsurance, and regulatory reviews, including bureau-required forms at binding.
• Support production underwriters during broker visits and market events, contributing to relationship development with assigned agency partners.

• Bachelor's degree in Business, Finance, or a related field, or equivalent work experience.
• 2 or more years of commercial or specialty insurance experience, with exposure to policy processing and risk evaluation.
• Working knowledge of underwriting principles, coverage forms, and rating procedures across at least one commercial line.
• Demonstrated ability to review contractual and policy language for accuracy and compliance with underwriting guidelines.
• Strong written and verbal communication skills, with proven capacity to correspond professionally with brokers, agents, and internal stakeholders.
• Solid analytical and critical-thinking skills, applied to submission review, risk classification, and data reconciliation.
• Ability to organize competing priorities and meet time-sensitive deadlines in a high-volume processing environment.
• Authorization to work in the United States and eligibility to obtain required state insurance licenses.

• Cert CII qualification or active progress toward it, or an equivalent industry designation.
• Prior experience with surplus lines procedures, reinsurance account management, or specialty lines such as inland marine or construction professional liability.
• Familiarity with E-trade platforms, policy administration systems, or agency management platforms used in carrier or MGA environments.
• Experience assisting with bordereaux production, portfolio reporting, or carrier audit preparation.

• Submission turnaround time, measuring how quickly new business is prepared and returned to the underwriter for review.
• Policy issuance rate by month-end close, tracking completeness of bound accounts processed within the billing cycle.
• Broker follow-up resolution rate, reflecting how consistently outstanding underwriting information is collected within agreed service levels.
• File audit pass rate across carrier and reinsurance reviews, indicating accuracy of documentation and data entry.
• Renewal retention support ratio, measuring the share of assigned renewal accounts processed without underwriter intervention on data gaps.
• Typical tools: policy administration systems (commonly Applied Epic or Majesco); Microsoft Office suite (commonly Excel, Word, Outlook).

• Base Salary Range: $45,000–$65,000 annually, depending on lines of business and market
• Bonus: Annual performance bonus, typically 5%–10% of base salary
• Equity: Not standard at this level; occasionally offered at MGA or insurtech employers
• Health Benefits: Medical, dental, and vision coverage; employer contributes majority of premium
• PTO: 15–20 days annually plus standard federal holidays
• Common Perks: Exam fee reimbursement for CII or CPCU coursework; licensing support; hybrid work schedule

Figures are estimates based on general US market benchmarks and may be outdated. Adjust based on location, company size, and seniority level.

Background checks, including verification of prior employment and, where applicable, credit history consistent with insurance industry requirements, are a condition of employment. All qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other characteristic protected under federal, state, or local law. Reasonable accommodations are available to applicants and employees with disabilities upon request. Candidates must be authorized to work in the United States at the time of hire.

The Assistant Underwriter owns the end-to-end administrative lifecycle of life insurance cases at Financial Designs Ltd., from scheduling medical exams and packaging carrier submissions to preparing invoices and closing underwriting files. Working closely with the senior underwriting lead and internal advisors, this role ensures clients move smoothly through the underwriting process and supports the firm's wealth transfer and insurance advisory practice.

Key Responsibilities

• Maintain and update the client CRM system to track clients through the underwriting process.
• Prepare the underwriting report for weekly work-in-process meetings.
• Communicate and provide case updates to the internal team and clients as needed.
• Act as the primary backup for underwriting processing in the absence of the senior underwriting lead.
• Schedule medical exams, medical records, and inspection reports as needed for carrier evaluation of client insurability for life insurance.
• Package and process information to be sent to life insurance carriers.
• Handle all express and small-case underwriting applications.
• Prepare invoices for the initial premium of life insurance policies and follow up on subsequent receipts.
• Facilitate the closing of underwriting files and transition to client service.
• Track and submit reimbursement expenses for medical records and exam expenses when life insurance is placed.
• Perform job functions in compliance with all applicable policies, federal and state rules, and regulatory requirements.
• Assist with special projects, training, and other miscellaneous duties as assigned.
• Complete state insurance licenses and carrier contracting for advisors.

Required Qualifications

• Work experience in an administrative role in a professional office setting.
• Experience with CRM software and DocuSign preferred.
• Demonstrated excellence in verbal and written communication, including proofreading.
• High attention to detail and accuracy.
• Strong proficiency in MS Windows, Outlook, and Adobe, including internet proficiency.
• Strong proficiency in technology, including the ability to learn new software and problem-solve quickly.
• Ability to organise, prioritise, and manage tasks and deadlines in a fast-paced environment.
• Strong interpersonal and business etiquette skills with strong follow-through and the ability to set and meet deadlines.

Embedded within the underwriting and annual review teams, the Assistant Underwriter analyses internal and external data through quantitative research to support sound risk decisions and best practices in reporting. Working closely with cross-functional teams, this role communicates findings that strengthen underwriting outcomes and contributes to the accuracy and quality of business intelligence across the organisation.

Core Functions

• Use data to understand business and vendor diligence.
• Analyse internal and external data through quantitative research.
• Communicate findings to underwriting and annual review teams.
• Promote best practices in data analysis, entry, and reporting.
• Collaborate with cross-functional teams.
• Develop documentation resources.
• Interact with sales representatives, customers, and merchants via telephone, email, and online meetings.
• Provide accurate, valid, and complete information by using the right methods and tools.
• Create, manage, and analyse data.
• Follow underwriting procedures, guidelines, and policies.

Qualifications & Experience

• Previous experience in business intelligence, analysis, or a related field.
• Knowledge of statistical tools and business reporting.
• Strong attention to detail with an emphasis on accuracy and strong organisational skills.
• Ability to prioritise, multitask, and take ownership of all assignments, initiate new projects, and meet expected deadlines.
• Strong problem-solving, reasoning, and decision-making skills with excellent written and verbal communication skills.

Reporting to the Treaty Casualty Underwriting staff at Everest Reinsurance Company, the Assistant Underwriter supports account management and underwriting processes by performing account clearance, evaluating contract terms, and collaborating directly with underwriters. Partnering with brokers and the internal paperless file management system, this role enables the Treaty Casualty team to service accounts with accuracy and a strong customer service standard.

Primary Duties

• Perform account clearance and updates.
• Monitor open items associated with reinsurance business.
• Follow up for additional information from brokers.
• Evaluate contract terms and enter material contract terms accurately into systems.
• Collaborate with underwriters in the servicing of accounts.
• Utilise the internal paperless system for file management.

Education & Experience

• Bachelor's degree or extensive prior applicable insurance industry experience required.
• Highly proficient in Microsoft Office Suite, including Word, PowerPoint, Outlook, and Excel.
• Demonstrated willingness to learn new software programs.
• Excellent oral and written communication skills.
• Strong analytical skills with strong attention to detail and the ability to comprehend and interpret contractual language.
• Ability to work well with others as well as independently.

Sitting at the intersection of construction insurance underwriting and broker relationship management, the Assistant Underwriter contributes to exceeding revenue targets by servicing existing accounts, supporting new business triage, and accompanying business development managers on broker visits. Operating across underwriting authority boundaries, regulatory requirements, and team engagement activities, this role shapes the quality and efficiency of construction liability underwriting operations.

Duties

• Contribute to exceeding construction revenue targets and support the new business underwriting strategy.
• Assist with new business daily triage to ensure outstanding service levels are maintained.
• Service existing accounts, prepare renewals, and process adjustments.
• Provide support for the production of monthly bordereaux to insurers.
• Accompany business development managers on broker visits and video meetings to promote the proposition as required.
• Attend seminars, conferences, and exhibitions as required and report salient points back to the team.
• Lead and actively participate in discussions supporting engagement, productive ways of working, and inclusive behaviours through regular team meetings.
• Suggest and drive process changes for the benefit of the business.
• Act in accordance with agreed service standards and within delegated underwriting authority and binder agreements.
• Report complaints effectively in line with the applicable complaints procedure.
• Carry out duties in accordance with applicable laws, rules, regulations, and good governance standards.

Skills & Qualifications

• Cert CII qualification or working towards it.
• Insurance background of 2–3 years, ideally with some experience in liability.
• Experience using Microsoft Office.
• Firm grasp of risk exposure with the ability to determine acceptance criteria and risk classifications in complex or unfamiliar situations.
• Experience in planning, prioritising, and seeking business opportunities.
• Strong communication and social skills with clients and colleagues, with a good level of numeracy and literacy and excellent attention to detail.
• Analytical problem-solving approach with initiative and a can-do attitude.
• Motivated, ambitious, and compassionate team member who takes ownership and accountability.

A key member of the underwriting team, the Assistant Underwriter builds and expands knowledge of inland marine coverages and forms while analysing applications, determining risk acceptability, and preparing portfolio analysis reports for management review. Collaborating across local client and producer meetings and internal product development efforts, this role delivers responsive service to agents and brokers that supports profitable book growth.

Functions

• Apply and expand knowledge of inland marine coverages and forms.
• Provide responsive service to support superior distribution partnerships with agents and brokers.
• Analyse applications and determine acceptability of risk in accordance with company guidelines, making appropriate underwriting decisions on existing accounts.
• Analyse the quality, quantity, and profitability of risks underwritten and prepare reports for underwriting and management review.
• Provide input on product development in the creation of innovative products and services.
• Interact with the marketplace through frequent attendance of local client and producer meetings.
• Execute special projects in pursuit of enhanced operational excellence, delivery of external marketing materials, and portfolio analysis reporting.
• Pursue self-study in pursuit of appropriate designations as defined by management.

Experience & Qualifications

• Bachelor's degree from an accredited four-year institution or equivalent job-related experience.
• Five or more years of insurance and/or underwriting experience required, with prior inland marine knowledge a plus.
• Familiarity with the local insurance agency market preferred, with prior face-to-face marketing experience an advantage.
• Strong oral and written communication skills with critical thinking, problem-solving, and analytical skills.
• Proficiency in Microsoft Office applications, including Excel, Word, and PowerPoint.
• Ability to work independently with an entrepreneurial spirit and thrive in a team environment.

Accurate, timely underwriting support for a commercial truck book of business depends on the Assistant Underwriter, who collects, rates, and reviews new and renewal accounts across all states and multiple lines while issuing policies and drafting endorsements within established guidelines. Based within a department that spans general agents, retailers, and insureds, this role enables underwriters to make informed decisions by compiling complete data, managing correspondence, and ensuring policy compliance from submission through renewal.

Accountabilities

• Collect, review, analyse, and rate new and renewal business across all states and multiple lines to provide a work-up for the underwriter.
• Navigate rating and issuance systems for truck business across all states and multiple lines.
• Issue policies in the policy issuance system before the end of each month.
• Review policies to ensure they are issued based on the terms and conditions outlined by the underwriter.
• Examine and evaluate documents, including declarations, applications, signed forms, MVRs, and all amendments to policies, to ensure compliance with established underwriting guidelines.
• Interpret and analyse underwriting manuals and guidelines, rating manuals, forms, and workflows for commercial lines business.
• Maintain knowledge of the technical underwriting process and participate in ongoing training as necessary.
• Handle various requests and inquiries from general agents, retailers, insureds, and underwriters through phone, in-person, and written correspondence.
• Provide routine servicing of policies as needs arise, including drafting endorsements.
• Order various underwriting reports to compile data for the underwriters and inform them of any underwriting issues immediately.
• Perform administrative duties for the department, including writing reports and business correspondence.
• Meet with new agents for training, which may include attending off-site lunches or dinners.
• Provide backup services for others in the department.

Professional Experience

• One or more years of assistant underwriter experience preferred.
• Experience with ISO rating and forms a plus.
• Strong computer skills, including Excel and Outlook, and the ability to master multiple policy systems.
• Self-motivated and results-oriented with a positive attitude and professional demeanour.
• Capable of working with internal and external teams and partners with superior customer experience and vendor management skills.
• Demonstrated ability to meet deadlines, determine priorities, and adapt to changing priorities as needed.

As the Assistant Underwriter, this role organises and inputs underwriting analysis into the policy administration system, prepares and quality-reviews binders, policies, and endorsements, and leads the notice of cancellation process across a specialty commercial book. The underwriting department relies on this work to maintain broker relationships, drive process improvement, and deliver consistent service across construction professional liability and commercial insurance lines.

Activities

• Organise, analyse, and input relevant underwriting analysis information into the policy administration system.
• Prepare, quality-review, and issue new business and renewal binders and policies.
• Prepare, quality-review, and issue endorsements.
• Manage the underwriting information follow-up process with brokers and keep underwriters updated on the status of information receipt.
• Oversee the notice of cancellation process and provide processing direction to the team's underwriting assistants.
• Provide customer service support to brokers.
• Actively participate in innovation activities.
• Regularly identify areas for improvement within all business processes, procedures, and workflows within and outside the department.
• Handle special projects and assignments as needed and provide backup to other assistant underwriters when needed.

Background & Experience

• High school diploma required.
• An associate's or college degree desired.
• Minimum of three years of specialty or commercial insurance experience with either an insurance carrier or insurance brokerage and agency.
• Minimum of one year of experience in construction professional liability preferred.
• High degree of proficiency in MS Office, including Outlook, Word, Excel, and PowerPoint.
• Excellent written and verbal communication skills with the ability to demonstrate attention to detail and a high degree of accuracy.
• Ability to apply critical thinking and problem-solving to identify key issues with recommended resolutions.
• Strong organisation and time management skills with the ability to meet deadlines and prioritise.
• Ability to build and maintain working relationships with peers and professionals across organisational lines and work effectively both independently and within a collaborative team environment.
• Enthusiastic team member with a positive personal presence.

Assistant Underwriter supports front-to-end account processing from submission to expiration, developing quote proposals, reviewing account information before underwriter handover, and documenting all activity in the agency management system. The work directly supports the underwriting team's ability to evaluate risk accurately, service retail agency partners, and maintain complete carrier and reinsurance audit files.

Role Responsibilities

• Request, collect, follow up on, and analyse information from retail agency partners and document it in an underwriting file, carrier system, and billing system.
• Review new and renewal account information before underwriter review and assess for any missing information.
• Communicate directly with agency partners to collect account and insured information necessary for risk evaluation.
• Search, track, and verify account detail information.
• Ensure completeness of underwriting rating components for new and renewal business before handover to underwriting for final review.
• Develop quote proposals and binder confirmations for all new business in conjunction with the underwriter.
• Assist in the preparation and review of account files for carrier and reinsurance audits.
• Document all account activity and communication with agents, underwriting, and business development in the agency management system.

Requirements

• Proficient in Microsoft Office Suite, G Suite, or similar software.
• Strong oral and written communication skills.
• Proven ability to multitask in a fast-paced team environment with a high sense of urgency.
• Detail-oriented with strong problem-solving skills and the drive to identify issues and cultivate solutions.
• Self-motivated and well-organised with a good work ethic, a positive attitude, and a collaborative team mentality.

The Assistant Underwriter produces accurate motor insurance underwriting outcomes for QBE by underwriting new and existing products, contributing to portfolio reviews, and capturing precise underwriting data on systems to support business planning. Working alongside a friendly internal team and managing relationships with both internal and external stakeholders, this role advances the motor account in line with QBE's business plan while ensuring compliance with all legal and regulatory requirements.

Key Deliverables

• Underwrite new and existing motor products with strong negotiation skills.
• Participate in the review and analysis of the portfolio to identify progress towards the business plan.
• Contribute to the recording and measurement of insurance risks to ensure accuracy and adherence to relevant performance standards.
• Support the development of cross-class business opportunities and positively promote the department and division to maximise brand leverage.
• Keep abreast of market dynamics and demonstrate market cycle awareness to operate effectively.
• Develop and maintain strong working relationships with internal and external stakeholders.
• Ensure accurate underwriting data is captured on systems to minimise risk and ensure high-quality information output.
• Assist with the production of management information statistics and reports to support the business planning process through research and project work.
• Comply with all legal and regulatory requirements and adhere to underwriting standards, instructions, and good practice to minimise risk and maximise efficiency.

Position Requirements

• GCSE standard grade level or equivalent qualifications.
• Technical motor underwriting experience with market awareness and broker development acumen.
• Basic understanding of class-specific underwriting knowledge, including knowledge of legal and regulatory requirements.
• Some knowledge of insurance underwriting systems, with experience of working on e-trade platforms advantageous.
• Intermediate-level proficiency in MS Office applications, including Word, Excel, and PowerPoint.
• Strong organisation and prioritisation skills with the ability to work to deadlines.
• Exceptional service delivery with strong interpersonal and communication skills and the ability to establish and maintain business relationships.
• Problem-solving skills demonstrating tenacity in handling and resolving queries, with a good level of numeracy and literacy and excellent attention to detail.
• Flexible approach with the ability to recognise and adapt to changing business requirements.

Embedded within a regional underwriting team, the Assistant Underwriter reviews, evaluates, and prepares new and renewal business at the direction of assigned underwriters while making timely entries in policy administration and CRM platforms to support broker relationships and book profitability. Working closely with internal and external partners, this role develops the compliance, analytical, and communication capabilities needed to advance underwriting support and account servicing across the assigned region.

Day-to-Day Responsibilities

• Review, evaluate, and prepare new and renewal business at the direction of assigned underwriters.
• Assist with underwriting insurance risks in accordance with the business plan and delegated authority to meet business objectives, ensuring compliance with internal and external regulations and guidelines.
• Assist with the review and analysis of the portfolio to evaluate progress toward business objectives.
• Provide timely and accurate preparation, rating, and issuance instructions for new business, renewal, and servicing transactions, as well as communication with internal and external partners on the status of transactions and delivery of required documents.
• Make entries promptly and accurately in underwriting systems, including policy administration and CRM platforms.
• Comply with all legal and regulatory requirements and maintain relationships with assigned brokers.

Knowledge Skills & Abilities

• Bachelor's degree or equivalent combination of education and work experience.
• Working knowledge of Microsoft Word, Excel, and Outlook, along with familiarity with common computer and communication technology concepts.
• Ability to communicate information clearly and professionally, multitask, handle competing priorities, and accept responsibility for decisions and actions.
• Ability to retain and apply large amounts of new information, use multiple resources to gather and review information, and apply logic to address work-related issues.
• Understanding of customer needs with the ability to establish a high degree of trust and credibility, demonstrate drive and initiative, and show a willingness to learn and grow.

Reporting to a seasoned Renewable Energy Underwriter at AXIS Renewables, the Assistant Underwriter develops the U.S. renewable energy book by reviewing new submissions and renewals, collaborating with the cat modelling team, and preparing documentation for client visits, market events, and internal audits. Partnering with underwriters, underwriting assistants, and broker and reinsurer networks, this role refines the accuracy and organisation of underwriting files that support AXIS's growth in specialty renewable energy insurance.

Scope of Work

• Review and prepare new submissions and renewals, verifying that all necessary data required for the underwriting process is received.
• Review cat modelling output and collaborate with the cat modelling team as required for deal flow.
• Assist underwriters and underwriting assistants with entering, checking, and monitoring broker and client data.
• Compare expiring contracts to submissions and highlight any inconsistencies for the underwriter.
• Verify that contract wording is in line with the underwriter's authorisation.
• Assist in the analysis of business relationships, including broker and reinsurer relationships.
• Prepare documentation for client and broker visits, market events, and conferences.
• Assist underwriters in client audits and prepare files for internal and external audits.
• Prepare special acceptances and endorsements for referral to underwriters.
• Ensure proper organisation of underwriting files in both hard and electronic copies.

Minimum Qualifications

• One to two years of experience in specialty insurance or the renewable energy industry is desirable.
• Proficiency in Microsoft Office Suite, including Outlook, Word, Excel, and PowerPoint.
• Excellent verbal and written communication skills.
• Ability to multitask and manage conflicting priorities.
• Excellent teamwork skills with an accurate and diligent working approach.
• Self-motivated with high motivation and a proactive approach to addressing issues.
• Demonstrated rigour and work ethic.

Sitting at the intersection of commercial insurance underwriting and customer risk assessment, the Assistant Underwriter develops quote proposals, evaluates risk eligibility, and ensures compliance with referral criteria while corresponding with internal and external customers to facilitate the full quoting, binding, and endorsing process at Lockton Affinity. Operating across underwriting authority boundaries and a diverse commercial P&C portfolio in Overland Park, KS, this role manages individual risk transactions that enable the Underwriting Operations Support Team to deliver a superior customer experience.

Work Activities

• Work within established new and renewal procedures to review applications, determine risk eligibility, and assign competitive pricing guidance.
• Correspond with internal and external customers to collect and analyse insurance information that facilitates the risk assessment process and provides underwriting support in quoting, binding, issuing, and endorsing policies.
• Ensure compliance with referral criteria outside of underwriting authority.
• Prepare files for underwriter approval outside of authority by performing a preliminary review and evaluation of the risk.
• Document and communicate policy approvals or rejections to the underwriting team and internal and external customers promptly.
• Review and process transactional items for individual risks.

Technical Qualifications

• Bachelor's degree in business, finance, or a relevant field preferred.
• Three to five years of commercial property and casualty insurance experience.
• Comprehensive understanding of concepts, practices, and procedures related to insurance.
• Proficiency using Microsoft products.
• Strong verbal and written communication skills with solid mathematical proficiency.
• Ability to work independently and exercise good judgement in accordance with regulatory and carrier requirements on moderately complex items.
• Organisational and time management skills to meet time-sensitive deadlines.

A key member of the underwriting team, the Assistant Underwriter develops and services a general insurance book by evaluating new business using recognised underwriting practices, detecting standard and non-standard risks, and liaising with the accounts team to handle financial queries. Collaborating across clients, colleagues, and internal service standards, this role produces the statistical analysis and responsive claims cover support that enables the team to identify business opportunities and deliver first-class client service.

Operational Focus

• Evaluate new business using sensible and recognised underwriting practices.
• Balance new business, renewal, rating, and adjustment enquiries from clients.
• Deal with claims cover requests in alignment with service standards.
• Identify opportunities to sell products.
• Liaise with the accounts team to handle financial queries.
• Use analytical skills to provide statistics on complex cases.
• Detect and assess standard and non-standard risks.

Qualifications & Experience

• CII qualification or working towards it, educated to good A-level standard or equivalent.
• Experience of client renewals and identifying business opportunities, with the ability to extract and piece together information from a broad range of sources.
• Sound knowledge of general insurance and underlying legal principles and practices.
• Knowledge of underwriting and servicing accounts, preferably with a level of delegated underwriting authority.
• Ability to handle claim queries using technical knowledge to deliver an engaged service.
• Strong communication and social skills with clients and colleagues, with a high level of numeracy and literacy.
• Motivated, ambitious, and compassionate with the ability to deliver first-class service to clients.