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Risk Analysis


What makes a great underwriter?

  • Analytical thinker
  • Enjoys learning about different types of businesses
  • Able to understand impact of decisions on stability of company
  • Strong negotiation skills
A Career as an UnderwriterCourtesy of CareerOneStop
A Commercial Lines UnderwriterCourtesy of Ohio Insurance Institute


An underwriter is responsible for deciding which insurance applications to insure or reject. Underwriters must be able to read and analyze insurance applications, ask the right questions to determine the true exposures presented and determine the appropriate price for insurance based on the exposures of the applicant.  The underwriter is in a position to obligate the companys assets to pay for claims and also to increase its income with profitable business, so it is crucial they understand the entire risk involved. Underwriters are responsible for selection, underwriting, pricing, negotiating and servicing of business for the agent


High school degree a must, Associate or Bachelors degree preferred. 


Based on U.S. Department of Labor the average underwriter makes over $70,000 annually.  Of course this varies by where you live, your work experience and how much passion you bring to your job!