Finance

Insurance Underwriter Resume Example

Insurance underwriters evaluate insurance applications, assess risk, and determine coverage terms and premiums. They analyze data to decide whether to accept, modify, or decline insurance applications while balancing profitability and risk.

Growth: -2% (Decline)

Salary: $55,000 - $100,000

Top Skills for Insurance Underwriter Resumes

Hard Skills

Risk Assessment & Selection
Policy Rating & Pricing
Underwriting Guidelines
Claims Analysis
Loss Ratio Management
Underwriting Software (Guidewire, Duck Creek)
Financial Statement Review
Reinsurance Treaties
Regulatory Compliance
Excel & Data Analysis

Soft Skills

Analytical Thinking
Judgment
Attention to Detail
Communication
Decision-making

Insurance Underwriter Resume Summary Examples

Entry Level

“Insurance Underwriter with CPCU designation in progress and 1 year of commercial lines experience. Underwrite small commercial policies up to $500K in premium across BOP, GL, and property. Proficient in underwriting systems and risk assessment. Detail-oriented with strong analytical judgment.”

Mid Level (3-5 years)

“CPCU and Senior Underwriter with 6+ years in commercial property & casualty. Manage $20M premium book maintaining 55% combined ratio. Authority up to $5M in premium for complex commercial risks. Expert in risk selection, pricing, and broker relationship management.”

Senior Level (7+ years)

“Underwriting Manager and CPCU with 12+ years leading commercial underwriting team. Manage $100M premium book with team of 8 underwriters. Developed underwriting guidelines reducing loss ratio by 8 points. Expert in complex risk assessment, reinsurance, and portfolio management.”

Sample Work Experience

Commercial Underwriter

Mar 2019 - Present

National Insurance Carrier

•Underwrite commercial property and casualty policies for $25M premium book across manufacturing and technology sectors
•Evaluate risk submissions, analyze financials, and determine coverage terms for accounts up to $3M in premium
•Maintain 93% retention rate and 58% combined ratio through disciplined risk selection and pricing
•Develop and maintain broker relationships generating $5M+ in new premium annually

Common Insurance Underwriter Resume Mistakes

Mistake: Not listing underwriting authority level

Fix: Include authority: "Binding authority up to $3M premium for complex commercial risks"

Mistake: Omitting book of business metrics

Fix: Quantify portfolio: "Manage $25M premium book with 92% retention and 60% combined ratio"

Mistake: Not mentioning lines of business expertise

Fix: Be specific: "Expert in commercial property, general liability, and umbrella lines"

Mistake: Ignoring CPCU or other designations

Fix: Feature credentials: "CPCU, AU, AINS designations"

ATS Keywords for Insurance Underwriter Resumes

underwritingrisk assessmentinsurancepremiumloss ratioCPCUcommercial lines

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