Entry Level Personal Lines Underwriter Jobs
New grad personal lines underwriter jobs welcome recent graduates and entry level candidates with zero to two years of experience, where a strong internship background or licensing coursework can matter more than a long resume. Most openings are on-site roles across Insurance, with employers like Risksmith Insurance Services and The Cincinnati Insurance Companies hiring at this level now.
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Make a difference with a career in insurance
At The Cincinnati Insurance Companies, we put people first and apply the Golden Rule to our daily operations. To put this into action, we’re looking for extraordinary people to join our talented team. Our service-oriented, ethical, knowledgeable, caring associates are the heart of our vision to be the best company serving independent agents. We help protect families and businesses as they work to prevent or recover from a loss. Share your talents to help us reach for continued success as we bring value to the communities we serve and demonstrate that Actions Speak Louder in Person®.
If you’re ready to build productive relationships, collaborate within a diverse team, embrace challenges, and develop your skills, then Cincinnati may be the place for you. We offer career opportunities where you can contribute and grow.
Build your future with us
Our CSU High Net Worth department is currently seeking an excess and surplus personal Lines production underwriter. This role is responsible for underwriting and pricing renewal high net worth non-admitted homeowner business in the state of California with the opportunity to promote into underwriting new business. This position is based in our Gilbert, AZ headquarters.
The pay range for this position is $75,000 - $90,000 annually. The pay determination is based on the applicant’s education, experience, location, knowledge, skills and abilities. Eligible associates may also receive an annual cash bonus and stock incentives based on company and individual performance.
Be ready to:
- work in partnership with producers and underwriting assistants to underwrite and price renewal high net worth non-admitted homeowner business in the state of California
- determine individual risk acceptability, pricing, coverage, terms and conditions
- develop, analyze and evaluate information and exposures for complex risks
- achieve production and loss ratio goals within assigned regional territory
- determine need for and secure appropriate reinsurance on individual accounts
- develop successful business relationships with producers and reinsurers
Be equipped with:
- proficient use of Microsoft® Word, Excel and Outlook a plus
- strong interpersonal skills
- organizational and time management skills
- analytical and negotiating abilities
- work independently with a high level of authority and judgment
- ability to travel within assigned territory which may include some overnight stays
- ability to think outside the box and be flexible
Bring experience or education from:
- a bachelor’s degree or equivalent work experience
- a minimum of two years underwriting experience
- a property & casualty insurance license, or the ability to obtain within 120 days of employment (preferred)
- experience in or knowledge of wildfire prone states (preferred)
- an ASLI or CPCU designations (preferred)
Enhance your talents
Providing outstanding service and developing strong relationships with our independent agents are hallmarks of our company. Whether you have experience from another carrier or you’re new to the insurance industry, we promote a lifelong learning approach. Cincinnati provides you with the tools and training to be successful and to become a trusted, respected insurance professional – all while enjoying a meaningful career.
Enjoy benefits and amenities
Your commitment to providing strong service, sharing best practices and creating solutions that impact lives is appreciated. To increase the well-being and satisfaction of our associates, we offer a variety of benefits and amenities.
Embrace a diverse team
As a relationship-based organization, we welcome and value a diverse workforce. We grant equal employment opportunity to all qualified persons without regard to race; creed; color; sex, including sexual orientation, gender identity and transgender status; religion; national origin; age; disability; military service; veteran status; pregnancy; AIDS/HIV or genetic information; or any other basis prohibited by law. All job applicants have rights under Federal Employment Laws. Please review this information to about those rights.
Description
Make a difference with a career in insurance
At The Cincinnati Insurance Companies, we put people first and apply the Golden Rule to our daily operations. To put this into action, we’re looking for extraordinary people to join our talented team. Our service-oriented, ethical, knowledgeable, caring associates are the heart of our vision to be the best company serving independent agents. We help protect families and businesses as they work to prevent or recover from a loss. Share your talents to help us reach for continued success as we bring value to the communities we serve and demonstrate that Actions Speak Louder in Person®.
If you’re ready to build productive relationships, collaborate within a diverse team, embrace challenges, and develop your skills, then Cincinnati may be the place for you. We offer career opportunities where you can contribute and grow.
Build your future with us
Our CSU High Net Worth department is currently seeking an excess and surplus personal Lines production underwriter. This role is responsible for underwriting and pricing renewal high net worth non-admitted homeowner business in the state of California with the opportunity to promote into underwriting new business. This position is based in our Gilbert, AZ headquarters.
The pay range for this position is $75,000 - $90,000 annually. The pay determination is based on the applicant’s education, experience, location, knowledge, skills and abilities. Eligible associates may also receive an annual cash bonus and stock incentives based on company and individual performance.
Be ready to:
- work in partnership with producers and underwriting assistants to underwrite and price renewal high net worth non-admitted homeowner business in the state of California
- determine individual risk acceptability, pricing, coverage, terms and conditions
- develop, analyze and evaluate information and exposures for complex risks
- achieve production and loss ratio goals within assigned regional territory
- determine need for and secure appropriate reinsurance on individual accounts
- develop successful business relationships with producers and reinsurers
Be equipped with:
- proficient use of Microsoft® Word, Excel and Outlook a plus
- strong interpersonal skills
- organizational and time management skills
- analytical and negotiating abilities
- work independently with a high level of authority and judgment
- ability to travel within assigned territory which may include some overnight stays
- ability to think outside the box and be flexible
Bring experience or education from:
- a bachelor’s degree or equivalent work experience
- a minimum of two years underwriting experience
- a property & casualty insurance license, or the ability to obtain within 120 days of employment (preferred)
- experience in or knowledge of wildfire prone states (preferred)
- an ASLI or CPCU designations (preferred)
Enhance your talents
Providing outstanding service and developing strong relationships with our independent agents are hallmarks of our company. Whether you have experience from another carrier or you’re new to the insurance industry, we promote a lifelong learning approach. Cincinnati provides you with the tools and training to be successful and to become a trusted, respected insurance professional – all while enjoying a meaningful career.
Enjoy benefits and amenities
Your commitment to providing strong service, sharing best practices and creating solutions that impact lives is appreciated. To increase the well-being and satisfaction of our associates, we offer a variety of benefits and amenities.
Embrace a diverse team
As a relationship-based organization, we welcome and value a diverse workforce. We grant equal employment opportunity to all qualified persons without regard to race; creed; color; sex, including sexual orientation, gender identity and transgender status; religion; national origin; age; disability; military service; veteran status; pregnancy; AIDS/HIV or genetic information; or any other basis prohibited by law. All job applicants have rights under Federal Employment Laws. Please review this information to about those rights.
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Entry Level Personal Lines Underwriter Jobs: Frequently Asked Questions
How do I get an entry level personal lines underwriter job?
Start by earning a Property and Casualty (P&C) license in your state, since many entry level personal lines underwriter roles require or strongly prefer it before your first day. Internship experience at an insurance carrier or agency, coursework in risk management or business, and familiarity with rating software all give candidates a real edge at this stage. Highlighting any exposure to auto, home, or renters policies in your resume helps too.
Which companies hire entry level personal lines underwriters?
Companies hiring entry level personal lines underwriters right now include Risksmith Insurance Services and The Cincinnati Insurance Companies, based on current listings on Migrate Mate as of November 2026. Regional carriers, national insurance groups, and independent agencies tend to be the most active hirers at this level, often recruiting new grads directly into training programs or rotational underwriting roles.
Are there remote entry level personal lines underwriter jobs?
Yes, though most openings at this level still favor on-site or hybrid arrangements. About 0% of entry level personal lines underwriter openings are remote or hybrid as of November 2026, reflecting employer preference for in-person mentorship during early-career training. Fully remote positions exist but are more common at mid-level and senior tiers.
Are these new grad personal lines underwriter jobs?
Yes, these listings include new grad, recent graduate, and junior personal lines underwriter roles. A posting is new-grad friendly when it welcomes zero to two years of experience, accepts relevant internships or college coursework in lieu of professional history, or mentions training programs for candidates new to underwriting. Look for language like 'entry level,' 'junior underwriter,' or 'underwriting trainee' as clear signals.
Which industries hire the most entry level personal lines underwriters?
Entry Level personal lines underwriter roles concentrate in Insurance, based on current listings on Migrate Mate as of November 2026. These sectors drive hiring at this level because personal lines volume, including auto, home, and umbrella policies, generates consistent demand for junior underwriters who can be trained on proprietary systems and rating guidelines.