Small Business Underwriter Jobs
Small Business Underwriter jobs are open across insurance carriers, regional banks, credit unions, and specialty lenders, from junior analyst to senior and lead underwriter, with specializations in commercial lines, BOP policies, and risk assessment. See the openings below and apply to the ones that match your experience.
Find JobsOverview
Showing 5 of 19+ Small Business Underwriter jobs
Our Small Commercial Underwriting team is currently seeking a Senior Field Underwriter to join our team.
This is a full time, exempt role. This role is eligible for a fully remote arrangement.
POSITION OVERVIEW:
Small Commercial Senior Field Underwriters are responsible for driving the growth of Small CL business by underwriting new business across all lines and sizes of POS and Non-POS accounts. Also responsible for building and maintaining strong agency relationships partnering with Agency staff and SCSMs. The Senior Field UW should work closely with and direct the activities of their UT partner(s) following established workflows
IN THIS ROLE, YOU WILL:
- Categorize and direct UT on next steps to be taken based on assessment and categorization
- Document underwriting decisions within standards and expectations in Underwriting systems
- Communicate coverages including coverage advantages to highlight in the quoting process, account rounding opportunity, and identify cross-sell opportunity for Specialty businesses on accounts being quoted. The account responsibility falls to the Portfolio underwriter although consultation between Field and Portfolio Underwriter is expected as required. Declination reasons and coverage advantages to Agents to improve hit ratio
- Communicate proactively with Agents to convey a sense of ownership and service during all interactions
- Instill confidence with agents in their decision to place new business with The Hanover mainly SCSMs UTs and Renewal UW colleagues to communicate difficult messages most effectively with Agent partners and on overall agency management
- New Business Production (approx. $2 Million annually)
- Quality of audits/file reviews and achievement of mix goals aligned with workflows
- Strong underwriting skill and coverage knowledge; ability to make underwriting decisions on POS and CPP accounts up to $50,000 premium size.
- Sales orientation: able to solicit, qualify, negotiate and close accounts in a manner that promotes deeper partnership with Agents.
- Demonstrated commitment to service and partners; high level of responsiveness UTs SCSMs and renewal UWs demonstrating strong relationship building
- Knowledge of competition and current marketplace; apply to all aspects of performing the role responsiveness and willingness to bring appropriate level of understanding to each opportunity ranging from exception to only underwriting on the small BOP to more thorough review on the larger or more complex accounts.
It’s not just a job, it’s a career, and we are here to support you every step of the way. We want you to be successful and fulfilled. Through on-the-job experiences, personalized coaching and our robust learning and development programs, we encourage you – at every level – to grow and develop.
BENEFITS:
We offer comprehensive benefits to help you be healthy, build financial security, and balance work and home life. At The Hanover, you’ll enjoy what you do and have the support you need to succeed.
Benefits include:
- Medical, dental, vision, life, and disability insurance
- 401K with a company match
- Tuition reimbursement
- PTO
- Company paid holidays
- Flexible work arrangements
- Cultural Awareness Day in support of IDE
- On-site medical/wellness center (Worcester only)
- Click here for the full list of Benefits
The Hanover values diversity in the workplace and among our customers. The company provides equal opportunity for employment and promotion to all qualified employees and applicants on the basis of experience, training, education, and ability to do the available work without regard to race, religion, color, age, sex/gender, sexual orientation, national origin, gender identity, disability, marital status, veteran status, genetic information, ancestry or any other status protected by law.
Furthermore, The Hanover Insurance Group is committed to providing an equal opportunity workplace that is free of discrimination and harassment based on national origin, race, color, religion, gender, ancestry, age, sexual orientation, gender identity, disability, marital status, veteran status, genetic information or any other status protected by law.”
As an equal opportunity employer, Hanover does not discriminate against qualified individuals with disabilities. Individuals with disabilities who wish to request a reasonable accommodation to participate in the job application or interview process, or to perform essential job functions, should contact us at: HRServices@hanover.com and include the link of the job posting in which you are interested.
Privacy Policy:
To view our privacy policy and online privacy statement, click here.
Applicants who are California residents: To see the types of information we may collect from applicants and employees and how we use it, please click here.
Compensation:
The target hiring range for this role may vary based on geographic location and other factors, including merit or performance, demonstrated proficiency, skills for the role, education, travel requirements, and experience. Additional compensation may include an annual bonus (which could take the form of a general bonus, sales incentive, or short-term incentive), long-term incentive or spot recognition awards. The posted range reflects our ability to hire at different position titles and levels depending on background and experience.
Our Small Commercial Underwriting team is currently seeking a Senior Field Underwriter to join our team.
This is a full time, exempt role. This role is eligible for a fully remote arrangement.
POSITION OVERVIEW:
Small Commercial Senior Field Underwriters are responsible for driving the growth of Small CL business by underwriting new business across all lines and sizes of POS and Non-POS accounts. Also responsible for building and maintaining strong agency relationships partnering with Agency staff and SCSMs. The Senior Field UW should work closely with and direct the activities of their UT partner(s) following established workflows
IN THIS ROLE, YOU WILL:
- Categorize and direct UT on next steps to be taken based on assessment and categorization
- Document underwriting decisions within standards and expectations in Underwriting systems
- Communicate coverages including coverage advantages to highlight in the quoting process, account rounding opportunity, and identify cross-sell opportunity for Specialty businesses on accounts being quoted. The account responsibility falls to the Portfolio underwriter although consultation between Field and Portfolio Underwriter is expected as required. Declination reasons and coverage advantages to Agents to improve hit ratio
- Communicate proactively with Agents to convey a sense of ownership and service during all interactions
- Instill confidence with agents in their decision to place new business with The Hanover mainly SCSMs UTs and Renewal UW colleagues to communicate difficult messages most effectively with Agent partners and on overall agency management
- New Business Production (approx. $2 Million annually)
- Quality of audits/file reviews and achievement of mix goals aligned with workflows
- Strong underwriting skill and coverage knowledge; ability to make underwriting decisions on POS and CPP accounts up to $50,000 premium size.
- Sales orientation: able to solicit, qualify, negotiate and close accounts in a manner that promotes deeper partnership with Agents.
- Demonstrated commitment to service and partners; high level of responsiveness UTs SCSMs and renewal UWs demonstrating strong relationship building
- Knowledge of competition and current marketplace; apply to all aspects of performing the role responsiveness and willingness to bring appropriate level of understanding to each opportunity ranging from exception to only underwriting on the small BOP to more thorough review on the larger or more complex accounts.
It’s not just a job, it’s a career, and we are here to support you every step of the way. We want you to be successful and fulfilled. Through on-the-job experiences, personalized coaching and our robust learning and development programs, we encourage you – at every level – to grow and develop.
BENEFITS:
We offer comprehensive benefits to help you be healthy, build financial security, and balance work and home life. At The Hanover, you’ll enjoy what you do and have the support you need to succeed.
Benefits include:
- Medical, dental, vision, life, and disability insurance
- 401K with a company match
- Tuition reimbursement
- PTO
- Company paid holidays
- Flexible work arrangements
- Cultural Awareness Day in support of IDE
- On-site medical/wellness center (Worcester only)
- Click here for the full list of Benefits
The Hanover values diversity in the workplace and among our customers. The company provides equal opportunity for employment and promotion to all qualified employees and applicants on the basis of experience, training, education, and ability to do the available work without regard to race, religion, color, age, sex/gender, sexual orientation, national origin, gender identity, disability, marital status, veteran status, genetic information, ancestry or any other status protected by law.
Furthermore, The Hanover Insurance Group is committed to providing an equal opportunity workplace that is free of discrimination and harassment based on national origin, race, color, religion, gender, ancestry, age, sexual orientation, gender identity, disability, marital status, veteran status, genetic information or any other status protected by law.”
As an equal opportunity employer, Hanover does not discriminate against qualified individuals with disabilities. Individuals with disabilities who wish to request a reasonable accommodation to participate in the job application or interview process, or to perform essential job functions, should contact us at: HRServices@hanover.com and include the link of the job posting in which you are interested.
Privacy Policy:
To view our privacy policy and online privacy statement, click here.
Applicants who are California residents: To see the types of information we may collect from applicants and employees and how we use it, please click here.
Compensation:
The target hiring range for this role may vary based on geographic location and other factors, including merit or performance, demonstrated proficiency, skills for the role, education, travel requirements, and experience. Additional compensation may include an annual bonus (which could take the form of a general bonus, sales incentive, or short-term incentive), long-term incentive or spot recognition awards. The posted range reflects our ability to hire at different position titles and levels depending on background and experience.
Small Business Underwriter Jobs by Experience Level
See All 19 Small Business Underwriter Jobs
Find roles that match your experience and apply in just a few clicks.
Find JobsSmall Business Underwriter Job Market
Who's Hiring
What Employers Look For
The qualifications that appear most often in small business underwriter jobs.
- Two or more years of commercial lines or small business underwriting experience
- Proficiency with underwriting platforms and policy management systems
- Working knowledge of BOP, general liability, and commercial property coverages
- Associate in Commercial Underwriting (AU) or CPCU designation preferred
- Strong financial analysis skills including reading business financial statements
- Experience managing an independent agent or broker distribution channel
Tips for Your Small Business Underwriter Job Search
Tailor your resume to appetite statements
Underwriting managers screen for candidates who understand risk appetite. Reference specific loss ratios, account sizes, or class-of-business restrictions you've worked within on your resume so reviewers know you've operated inside a defined book.
Highlight BOP and commercial package experience
Many small business underwriter postings prioritize candidates who've priced businessowners policies and commercial package accounts. Call out the specific product lines you've underwritten, not just the carrier name, so your resume clears automated screening filters.
Apply early to roles that fit
Migrate Mate lists small business underwriter openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Filter openings by distribution channel
Some postings serve independent agents, others direct or captive distribution. Knowing which channel you've worked in helps you target roles where your agency relationship skills transfer directly, so filter or scan job descriptions for channel references before applying.
Prepare a case study from a real renewal decision
Interviewers for underwriting roles frequently ask you to walk through a risk you accepted, modified, or declined. Have a concrete renewal or new-business scenario ready that explains your reasoning on coverage terms, pricing, and any conditions you attached.
Negotiate on authority level, not just compensation
When evaluating an offer, ask about your binding authority threshold and referral requirements. A role with broader authority lets you develop faster and signals how much the team trusts new hires, which matters as much as the base salary structure.
Small Business Underwriter Jobs: Frequently Asked Questions
Which companies are hiring the most small business underwriters?
The companies hiring the most small business underwriters right now include Capital One, Crum & Forster, and Westfield Insurance, with the largest share of openings in Texas, Florida, and Georgia, based on current listings on Migrate Mate as of November 2026. Regional carriers and specialty surplus lines markets tend to post the highest volume of small business underwriter openings.
How many small business underwriter jobs are remote?
About 100% of small business underwriter openings are fully remote or hybrid as of November 2026, with the highest remote share in roles focused on digital or direct distribution channels. Positions tied to field agent relationships or in-person underwriting centers tend to require on-site presence at least part of the week.
How do you become a small business underwriter?
Start by earning a bachelor's degree in business, finance, or a related field, then apply for entry-level underwriting assistant or analyst roles at a carrier or managing general agent. Build product knowledge across BOP and commercial lines, pursue a designation like the Associate in Commercial Underwriting, and progress by demonstrating sound risk selection decisions and consistent book performance.
Can you get hired as a small business underwriter with little experience?
Yes, many carriers hire underwriting assistants or trainees with limited direct underwriting experience if you can show strong analytical skills and familiarity with commercial insurance concepts. Internships at a carrier, claims experience, or coursework in risk management all strengthen an entry-level application. Candidates who come from agency or brokerage roles also transition successfully because they already understand how agents evaluate coverage options.
What does the small business underwriter interview process look like?
Most interviews include an initial phone screen with a recruiter, followed by one or two rounds with a hiring manager and senior underwriter. Expect scenario-based questions where you walk through how you'd evaluate a specific risk, set coverage terms, or handle a borderline account. Some employers add a written underwriting exercise or a case study that tests your pricing rationale and risk appetite judgment before making an offer.
Where can I find and apply to small business underwriter jobs?
You can find and apply to small business underwriter jobs on Migrate Mate, which lists current openings from across the United States. Search the roles available, find the ones that match your experience and the product lines you've worked in, and apply directly to each listing without leaving the platform.
See All 19 Small Business Underwriter Jobs
Find roles that match your experience and apply in just a few clicks.
Find Jobs