OPT Underwriter Jobs
Underwriter jobs on OPT involve assessing risk for insurance, mortgage, or financial products, and most roles require a finance, economics, or business degree, which aligns well with OPT eligibility. STEM OPT extension is available for underwriting roles at quantitative or data-focused firms. Your 12- or 24-month OPT window is enough time to demonstrate value and secure H-1B visa sponsorship.
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Get Access To All JobsAbout us: American Integrity Insurance (NYSE: AII) is a leading provider of homeowners insurance, proudly serving over 400,000 policyholders across the Southeast. Comprised of more than 300 insurance professionals, most of whom work in our Tampa-area headquarters, and exclusively represented by more than 3,000 independent agents, we offer sound and comprehensive property and dwelling insurance to families throughout Florida, Georgia, and South Carolina. Our organization derives its Strength From Integrity TM, and we are proud to have been recognized as a Top Place to Work in Tampa by the Tampa Bay Times and a Best Place to Work in Insurance by Business Insurance Magazine for the past twelve years. We have also rated among the Top Workplaces in the USA by USA Today for the past five years.
A Day in the Life: Who knew Insurance could be this fun? From company picnics to charity events, no one can ever say American Integrity Insurance doesn't understand the importance of having fun, helping others, or giving back. Our company culture is priceless, and it's built around our six core values: Integrity, Commitment, Teamwork, Humility, Passion, and Fun. As a team working to provide home insurance solutions to our policyholders, together we aim to achieve greater heights each day and celebrate each other's accomplishments along the way. It is our mission to continue providing reliable, customer-centric homeowners insurance and paying claims in a timely manner when our customers suffer a loss - and to do so with Integrity.
Responsibilities:
- Participate in the renewal and new business activities that support underwriting decisions which are consistent with growth, retention and expense management goals.
- Review and critique new and renewal business accounts including inspections, endorsements and cancellations.
- Meet with appropriate internal/external contacts to establish support needs for new and renewal policies, inspections and reports.
- Respond to inquiries and questions from agents, vendors, customers and internal departments.
- Research problems and assists with solutions.
- Provide administrative services as required to support the renewal and new business activities.
- Maintain superior level of customer service.
Education: Bachelor’s Degree in Business, Insurance, Risk Management or other related field preferred.
Experience: Two (2) years of residential property insurance experience, or combination of education and experience.
Licensure: Florida 20-44 license minimum requirement, with a preference towards Florida 2-20 license holders.
Knowledge:
- Demonstrated skills in the use of computer software applications.
- Specific knowledge in a particular line of business and/or additional education may be required by the hiring business unit.
- Familiarity with various types of insurance policies preferred.
Skills:
- Proven ability in customer service required. Strong decision-making skills.
- Ability to communicate interpersonally with individuals and groups via telephone and in writing.
- Ability to communicate effectively with a wide variety of technical/professional/consumer clients.
- Demonstrated ability to work independently and in a team environment.
- Ability to balance timeliness and accuracy.
- Aptitude to provide prompt, correct responses and documentation when requested.
- Ability to share information while determining and maintaining appropriate confidentiality.
- Innovative in developing new methods or approaches to tasks and/or processes.
- Resourceful in seeking information and gaining input to solve problems.
About us: American Integrity Insurance (NYSE: AII) is a leading provider of homeowners insurance, proudly serving over 400,000 policyholders across the Southeast. Comprised of more than 300 insurance professionals, most of whom work in our Tampa-area headquarters, and exclusively represented by more than 3,000 independent agents, we offer sound and comprehensive property and dwelling insurance to families throughout Florida, Georgia, and South Carolina. Our organization derives its Strength From Integrity TM, and we are proud to have been recognized as a Top Place to Work in Tampa by the Tampa Bay Times and a Best Place to Work in Insurance by Business Insurance Magazine for the past twelve years. We have also rated among the Top Workplaces in the USA by USA Today for the past five years.
A Day in the Life: Who knew Insurance could be this fun? From company picnics to charity events, no one can ever say American Integrity Insurance doesn't understand the importance of having fun, helping others, or giving back. Our company culture is priceless, and it's built around our six core values: Integrity, Commitment, Teamwork, Humility, Passion, and Fun. As a team working to provide home insurance solutions to our policyholders, together we aim to achieve greater heights each day and celebrate each other's accomplishments along the way. It is our mission to continue providing reliable, customer-centric homeowners insurance and paying claims in a timely manner when our customers suffer a loss - and to do so with Integrity.
Responsibilities:
- Participate in the renewal and new business activities that support underwriting decisions which are consistent with growth, retention and expense management goals.
- Review and critique new and renewal business accounts including inspections, endorsements and cancellations.
- Meet with appropriate internal/external contacts to establish support needs for new and renewal policies, inspections and reports.
- Respond to inquiries and questions from agents, vendors, customers and internal departments.
- Research problems and assists with solutions.
- Provide administrative services as required to support the renewal and new business activities.
- Maintain superior level of customer service.
Education: Bachelor’s Degree in Business, Insurance, Risk Management or other related field preferred.
Experience: Two (2) years of residential property insurance experience, or combination of education and experience.
Licensure: Florida 20-44 license minimum requirement, with a preference towards Florida 2-20 license holders.
Knowledge:
- Demonstrated skills in the use of computer software applications.
- Specific knowledge in a particular line of business and/or additional education may be required by the hiring business unit.
- Familiarity with various types of insurance policies preferred.
Skills:
- Proven ability in customer service required. Strong decision-making skills.
- Ability to communicate interpersonally with individuals and groups via telephone and in writing.
- Ability to communicate effectively with a wide variety of technical/professional/consumer clients.
- Demonstrated ability to work independently and in a team environment.
- Ability to balance timeliness and accuracy.
- Aptitude to provide prompt, correct responses and documentation when requested.
- Ability to share information while determining and maintaining appropriate confidentiality.
- Innovative in developing new methods or approaches to tasks and/or processes.
- Resourceful in seeking information and gaining input to solve problems.
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Get Access To All JobsTips for Finding OPT Sponsorship in Underwriter
Target financial services firms with H-1B track records
Large insurers, banks, and mortgage companies file H-1B visa petitions regularly. Search OFLC disclosure data to confirm which employers have sponsored underwriters before approaching them. Firms with no prior filings are higher-risk targets for OPT students.
Pursue STEM-designated programs if your degree qualifies
Underwriting roles at data-driven or insurtech firms may qualify for the 24-month STEM OPT extension if your degree is in a STEM-classified field. This gives employers more runway to sponsor you, making you a lower-risk hire.
Get licensed as early as possible
Many underwriting roles require state property, casualty, or life insurance licenses. Obtaining licensure before or during your job search signals commitment and removes a common employer concern about hiring candidates who still need to get certified.
Address OPT timeline proactively in interviews
Employers often hesitate because they assume sponsorship is complicated. Come prepared to explain your OPT end date, the H-1B timeline, and cap-gap protection. A clear, confident explanation reduces perceived risk and moves conversations forward.
Highlight quantitative skills in your application
Underwriting is increasingly data-heavy. Emphasize proficiency in actuarial models, risk scoring tools, SQL, or Python where applicable. Technical depth makes your profile more competitive and strengthens the specialty occupation case for H-1B sponsorship.
Focus on specialty or commercial lines over personal lines
Commercial, specialty, and surplus lines underwriting roles tend to involve more complex analysis, making them stronger candidates for specialty occupation classification under H-1B. Personal lines roles can be harder to sponsor due to lower degree-specificity requirements.
Underwriter OPT: Frequently Asked Questions
Can I work as an underwriter on OPT?
Yes. Underwriting roles at insurance companies, banks, and mortgage firms are generally eligible for OPT work authorization, provided the job is directly related to your degree field, typically finance, economics, business, or a related discipline. Make sure your offer letter reflects a job title and duties that align with your degree to avoid DSO complications.
Do underwriting jobs at insurance companies typically sponsor H-1B visas?
Many large carriers and financial institutions do sponsor H-1B visas for underwriters, particularly for commercial, specialty, or technical underwriting roles. Sponsorship is less common at smaller regional firms or for entry-level personal lines positions. Searching on Migrate Mate lets you filter specifically for employers that sponsor OPT students, which saves time and improves your odds.
Does underwriting qualify for the STEM OPT extension?
It depends on your degree classification, not the job title. If your degree is in a STEM-designated field such as actuarial science, applied mathematics, statistics, or certain quantitative finance programs, your underwriting role may qualify for the 24-month STEM extension. Business administration and general finance degrees are typically not STEM-classified. Confirm your CIP code with your DSO before assuming eligibility.
What documents do I need to start an underwriting job on OPT?
You need a valid EAD card showing your authorized work period, a job offer in a field related to your degree, and an updated I-20 reflecting your OPT authorization. Your employer will complete Form I-9 using your EAD. Report the job to your DSO within 10 days of starting, since OPT requires continuous employment reporting to stay in valid status.
How much time do I realistically have to secure H-1B sponsorship as an underwriter on OPT?
On standard OPT, you have up to 12 months, which covers one H-1B filing cycle if you start before the April 1 registration window. STEM OPT adds 24 months, giving you two or three cycles. Cap-gap protection extends your work authorization through September 30 if your H-1B is selected and your OPT expires while the petition is pending. Starting the conversation with your employer early in your OPT period is important.