Commercial Lines Underwriter Jobs
Commercial Lines Underwriter jobs are open across insurance carriers, regional brokerages, and specialty markets, with specializations in property, casualty, and excess and surplus lines, from entry-level analyst to senior and principal underwriter. Find a role that fits below and apply directly.
Find JobsOverview
Showing 5 of 139+ Commercial Lines Underwriter jobs
Job Description
OMS National Insurance Company (OMSNIC) is a nationally recognized medical professional liability insurer dedicated exclusively to protecting oral and maxillofacial surgeons and dental specialists. Our mission is clear and purposeful: to serve as trusted advocates for highly skilled professionals when it matters most.
We are seeking an experienced excess and surplus lines underwriter to join OMSNIC as Surplus Lines MPL Underwriter. This is a growth opportunity for an underwriter who wants to build a career in the E&S marketplace. Reporting to the Manager, Underwriting – Surplus Lines, you will serve as a trusted partner to wholesale brokers while building a profitable book of non-admitted medical professional liability business.
Essential Duties and Responsibilities
Underwriting and policy management
- Manage the surplus lines submission, quoting and binding process for new business, within established time frames
- Independently evaluate insurability for risks outside standard admitted guidelines, including practice- and facility-based exposures
- Classify and price accounts using Company rating tools, and develop terms, conditions and pricing for non-admitted risks, using E&S freedom of rate and form, including manuscript wording, endorsements and exclusions
- Manage renewals with a focus on retaining profitable accounts, using loss history and experience and loss rating, in collaboration with Actuarial as needed
- Manage endorsements, midterm requests and policy audits within established time frames
- Follow the Letter of Authority without exception, and refer risks exceeding authority to management or the appropriate Company committee in time for review
Broker relationships
- Build and manage relationships with wholesale and surplus lines brokers, and clearly communicate underwriting decisions
- Lead strategic marketing calls and participate in renewal meetings with brokers, insureds and prospects
- Provide accurate, timely quotes and information, and creatively manage problem resolution and coverage negotiations
- Travel to broker offices, industry events and conferences as needed
Portfolio management and market intelligence
- Monitor submission activity, quote and bind ratios, retention and loss ratio against production and profitability goals
- Analyze portfolio performance and recommend underwriting, pricing, process and product improvements
- Track competitor products, E&S market trends and evolving MPL risk exposures, and share insights with underwriting leadership
- Collaborate with Claims, Actuarial and Finance to inform underwriting decisions and portfolio strategy
Compliance and mentoring
- Maintain compliant, audit-ready underwriting files
- Stay current on surplus lines eligibility, licensing and filing requirements across assigned states, including the Nonadmitted and Reinsurance Reform Act (NRRA) and home-state filing rules
- Monitor support staff’s work, and provide technical guidance, coaching and mentoring to support staff and less experienced underwriters
Competencies
- Clear, concise written and oral communication, with confident presentation, negotiation and listening skills
- Strong analytical and financial skills to analyze loss data, make recommendations, and prepare both detailed reports and high-level summaries
- Sound underwriting judgment on complex, non-standard exposures, and the ability to help refine underwriting processes and guidelines for those risks
- Proven relationship management expertise with wholesale and surplus lines brokers, including long-distance relationships
- Detail oriented and able to work independently, with strong time management skills and the flexibility to meet hard deadlines as workload requires
- Proficiency with Microsoft Office (especially Excel pivot tables and lookups), rating and document management systems, and AI tools such as Claude, with the ability to quickly learn new technology
Education and Experience
- Bachelor’s degree preferred in business, economics, risk management, insurance or a related field, or an equivalent combination of education and experience
- 3–5 years’ experience underwriting E&S or non-admitted professional liability, ideally medical professional liability, with a proven record of sound risk assessment and underwriting decisions
- Working knowledge of medical professional liability coverage, policy wording, terms, conditions and underwriting guidelines; experience with dental risks and established E&S wholesale broker relationships a plus
- Property and casualty license preferred, or ability to obtain, plus surplus lines licensing as required by assigned states
- CPCU, RPLU, AIC, ARM or similar designation, or progress toward one, preferred
Work Environment
- Performs work in an office environment (hybrid opportunity at manager’s discretion)
- Travel to broker offices, industry events and conferences as needed
Salary
$77,000–$96,000
The salary range represents the entirety of the pay grade for this role. Final salary will be based on the candidate’s skills, years of experience, and qualifications.
Benefits
- Medical, Dental, and Vision Insurance
- 401(k)
- Short and Long-term disability
- Life Insurance
- Employee Assistance Program
- Long-term incentive plan
- Educational Assistance and rewards program
- Paid Time Off
- Paid Holidays
- Paid parental leave
- Home office stipend
OMSNIC is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics.
Job Description
OMS National Insurance Company (OMSNIC) is a nationally recognized medical professional liability insurer dedicated exclusively to protecting oral and maxillofacial surgeons and dental specialists. Our mission is clear and purposeful: to serve as trusted advocates for highly skilled professionals when it matters most.
We are seeking an experienced excess and surplus lines underwriter to join OMSNIC as Surplus Lines MPL Underwriter. This is a growth opportunity for an underwriter who wants to build a career in the E&S marketplace. Reporting to the Manager, Underwriting – Surplus Lines, you will serve as a trusted partner to wholesale brokers while building a profitable book of non-admitted medical professional liability business.
Essential Duties and Responsibilities
Underwriting and policy management
- Manage the surplus lines submission, quoting and binding process for new business, within established time frames
- Independently evaluate insurability for risks outside standard admitted guidelines, including practice- and facility-based exposures
- Classify and price accounts using Company rating tools, and develop terms, conditions and pricing for non-admitted risks, using E&S freedom of rate and form, including manuscript wording, endorsements and exclusions
- Manage renewals with a focus on retaining profitable accounts, using loss history and experience and loss rating, in collaboration with Actuarial as needed
- Manage endorsements, midterm requests and policy audits within established time frames
- Follow the Letter of Authority without exception, and refer risks exceeding authority to management or the appropriate Company committee in time for review
Broker relationships
- Build and manage relationships with wholesale and surplus lines brokers, and clearly communicate underwriting decisions
- Lead strategic marketing calls and participate in renewal meetings with brokers, insureds and prospects
- Provide accurate, timely quotes and information, and creatively manage problem resolution and coverage negotiations
- Travel to broker offices, industry events and conferences as needed
Portfolio management and market intelligence
- Monitor submission activity, quote and bind ratios, retention and loss ratio against production and profitability goals
- Analyze portfolio performance and recommend underwriting, pricing, process and product improvements
- Track competitor products, E&S market trends and evolving MPL risk exposures, and share insights with underwriting leadership
- Collaborate with Claims, Actuarial and Finance to inform underwriting decisions and portfolio strategy
Compliance and mentoring
- Maintain compliant, audit-ready underwriting files
- Stay current on surplus lines eligibility, licensing and filing requirements across assigned states, including the Nonadmitted and Reinsurance Reform Act (NRRA) and home-state filing rules
- Monitor support staff’s work, and provide technical guidance, coaching and mentoring to support staff and less experienced underwriters
Competencies
- Clear, concise written and oral communication, with confident presentation, negotiation and listening skills
- Strong analytical and financial skills to analyze loss data, make recommendations, and prepare both detailed reports and high-level summaries
- Sound underwriting judgment on complex, non-standard exposures, and the ability to help refine underwriting processes and guidelines for those risks
- Proven relationship management expertise with wholesale and surplus lines brokers, including long-distance relationships
- Detail oriented and able to work independently, with strong time management skills and the flexibility to meet hard deadlines as workload requires
- Proficiency with Microsoft Office (especially Excel pivot tables and lookups), rating and document management systems, and AI tools such as Claude, with the ability to quickly learn new technology
Education and Experience
- Bachelor’s degree preferred in business, economics, risk management, insurance or a related field, or an equivalent combination of education and experience
- 3–5 years’ experience underwriting E&S or non-admitted professional liability, ideally medical professional liability, with a proven record of sound risk assessment and underwriting decisions
- Working knowledge of medical professional liability coverage, policy wording, terms, conditions and underwriting guidelines; experience with dental risks and established E&S wholesale broker relationships a plus
- Property and casualty license preferred, or ability to obtain, plus surplus lines licensing as required by assigned states
- CPCU, RPLU, AIC, ARM or similar designation, or progress toward one, preferred
Work Environment
- Performs work in an office environment (hybrid opportunity at manager’s discretion)
- Travel to broker offices, industry events and conferences as needed
Salary
$77,000–$96,000
The salary range represents the entirety of the pay grade for this role. Final salary will be based on the candidate’s skills, years of experience, and qualifications.
Benefits
- Medical, Dental, and Vision Insurance
- 401(k)
- Short and Long-term disability
- Life Insurance
- Employee Assistance Program
- Long-term incentive plan
- Educational Assistance and rewards program
- Paid Time Off
- Paid Holidays
- Paid parental leave
- Home office stipend
OMSNIC is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics.
See All 139+ Commercial Lines Underwriter Jobs
Find roles that match your experience and apply in just a few clicks.
Find JobsCommercial Lines Underwriter Job Market
Who's Hiring
- Risksmith Insurance Services53
- Burns & Wilcox11
- AmWINS Group10
- Auto-Owners Insurance10
Top Industries Hiring
- Insurance
What Employers Look For
The qualifications that appear most often in commercial lines underwriter jobs.
- Three or more years of commercial lines underwriting experience across property and casualty
- Proficiency in underwriting platforms and policy administration systems
- CPCU, CIC, or AU designation or active progress toward one
- Ability to analyze financial statements, loss runs, and exposure data independently
- Experience managing an assigned book of business and renewal retention
- Bachelor's degree in business, finance, risk management, or a related field
Tips for Your Commercial Lines Underwriter Job Search
Tailor your resume to each line
Carriers hiring for property differ from those focused on casualty or E&S lines. Customize your resume to highlight the specific book of business you've managed, the lines you've underwritten, and the loss ratios you've achieved, so your experience maps directly to the opening.
List your designations clearly upfront
CPCU, CIC, and AU designations signal credibility fast. Put them in your resume header or summary, not buried in an education section. Hiring managers for commercial lines roles scan for these before reading further, so placement matters as much as the credential itself.
Apply early to roles that fit
Migrate Mate lists commercial lines underwriter openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Target your search by carrier type
Standard carriers, surplus lines insurers, and MGAs all underwrite commercial risk differently. Decide which environment fits your background before searching, then filter your job search by company type. Applying to roles that match your carrier experience sharpens your candidacy and shortens your review cycle.
Prepare for a file review exercise
Many commercial lines underwriter interviews include a submission or file review where you assess risk, price coverage, and explain your reasoning out loud. Practice walking through a real or hypothetical account from exposure analysis to coverage decision so you can defend your logic under time pressure.
Negotiate authority levels, not just base pay
Underwriting authority is a career accelerator. When evaluating an offer, ask specifically what binding authority you'd hold on day one and how it expands. Roles with broader authority earlier give you more book ownership, which strengthens your profile for future moves.
Commercial Lines Underwriter Jobs: Frequently Asked Questions
Which companies are hiring the most commercial lines underwriters?
The most active employers for commercial lines underwriters right now are Risksmith Insurance Services, Burns & Wilcox, and AmWINS Group, and the most openings are in California, Texas, and Florida, based on current listings on Migrate Mate as of November 2026. Carrier size and specialty line focus vary significantly across these employers, so check each listing for the specific segment and authority level before applying.
How many commercial lines underwriter jobs are remote?
About 44% of commercial lines underwriter openings are fully remote or hybrid as of November 2026, with remote availability concentrated in mid-market property and casualty roles rather than specialty or excess and surplus lines positions, which more often require in-person collaboration with underwriting teams and brokers.
How do you become a commercial lines underwriter?
Start with a bachelor's degree in business, finance, or risk management, then pursue an entry-level underwriting analyst or assistant underwriter role at a carrier or MGA. Build exposure across property and casualty lines, earn a designation like CPCU or AU while working, and take on progressively larger accounts to develop independent judgment and book management skills.
Can you get hired as a commercial lines underwriter with little experience?
Yes, many carriers hire underwriting trainees or assistant underwriters with limited direct experience, particularly candidates who have a relevant degree, internship exposure in insurance or financial analysis, or a background in commercial lending or risk consulting. Demonstrating analytical thinking and familiarity with coverage concepts in your interview matters more than years on a resume at the entry level.
What does the commercial lines underwriter interview process look like?
Most commercial lines underwriter interviews run two to three rounds: an initial screen with a recruiter or HR, a technical interview with an underwriting manager that often includes a submission or risk scenario exercise, and a final conversation with senior leadership or the team. Interviewers assess your ability to price risk, articulate coverage decisions, and handle broker relationships under realistic account conditions.
Where can I find and apply to commercial lines underwriter jobs?
You can find and apply to commercial lines underwriter jobs on Migrate Mate, which lists current openings from across the United States. Find roles that match your line of business, carrier preference, and seniority level, then apply directly to each listing from the page.
See All 139+ Commercial Lines Underwriter Jobs
Find roles that match your experience and apply in just a few clicks.
Find Jobs