Surety Underwriter Jobs
Surety Underwriter jobs are open across insurance carriers, surety companies, and financial institutions, from analyst and associate levels through senior underwriter and underwriting manager, with specializations in contract surety, commercial surety, and fidelity bonds. See the openings below and apply to the ones that match your experience.
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MSIG USA continues to grow!
Company Overview:
MSIG USA is the US-based subsidiary of MS&AD Insurance Group Holdings, Inc., one of the world’s top P&C carriers and a global Class 15 insurer, with A+ ratings and a reach that spans 40+ countries and regions. Leveraging our 350-year heritage, MSIG USA brings the financial strength, expertise, and global footprint to offer commercial insurance solutions that address your business’s unique risks.
As a Surety Underwriter at MSIG USA, you will play a key role in supporting the growth and profitability of our Surety portfolio. This position focuses on evaluating new and existing surety accounts, analyzing financial and credit information, and developing strong relationships with brokers and agents. You’ll work closely with experienced members of the Surety team to develop underwriting solutions, build a profitable book of business, and provide responsive service to our distribution partners.
Essential Functions:
- Evaluate and underwrite new and existing surety accounts and bond requests within assigned authority, ensuring alignment with company underwriting guidelines and risk appetite
- Analyze financial statements, credit information, work-in-progress schedules, business plans, ownership structures, and other relevant information to assess the financial strength and creditworthiness of surety principals
- Evaluate account exposures and determine appropriate underwriting terms, conditions, limits, indemnity, and other risk-mitigation measures
- Review bond forms, contracts, and supporting documentation to understand the underlying obligation and identify unusual or material risk considerations
- Prepare clear and well-supported underwriting recommendations and refer accounts or transactions exceeding assigned authority as appropriate
- Develop and maintain strong relationships with brokers and agents through regular communication, account reviews, and responsive service
- Identify and pursue opportunities for profitable new business and expansion of existing surety relationships
- Monitor existing accounts for changes in financial condition, business operations, bonded exposure, and other developments that may affect the company's risk
- Maintain accurate and complete underwriting documentation in accordance with company standards and applicable requirements
- Collaborate with other Surety team members and internal partners, including Claims, Legal, Operations, Finance, and Reinsurance, as appropriate
- Develop technical knowledge of surety products, underwriting principles, industry practices, and relevant legal and regulatory requirements
- Contribute to special projects and team initiatives as assigned
Qualifications:
- Bachelor’s degree required.
- 3+ years of commercial underwriting experience required; surety underwriting experience strongly preferred.
- Experience with surety underwriting principles, bond forms, indemnity agreements, contractual obligations, and risk-mitigation techniques.
- Experience applying financial and credit analysis to surety underwriting decisions, including assessment of financial strength, creditworthiness, working capital, cash flow, and overall account risk.
- Experience working with brokers and agents to evaluate submissions, negotiate underwriting terms, and support profitable business development.
- Knowledge of applicable underwriting guidelines, authority levels, documentation standards, and legal and regulatory requirements.
- Excellent written and verbal communication skills.
- Proficiency in Microsoft Office Suite and ability to learn internal systems.
- Commitment to ongoing professional development and surety industry education.
Other Skills and Abilities:
- Demonstrated ability to evaluate credit risk and make well-reasoned underwriting decisions within assigned authority.
- Ability to assess account structure, aggregate exposure, bond programs, and material changes in financial or operational risk.
- Strong analytical and problem-solving skills with attention to detail.
- Sound judgment and an ability to make well-reasoned underwriting decisions.
- Effective interpersonal, relationship-building, and negotiation abilities.
- Ability to manage multiple accounts and priorities while delivering timely and responsive service.
SALARY: The estimated salary range for this position is $110,000.00 - $150,000.00 per year. This is a good-faith assessment of the salary range for this position only. In determining the actual salary within this range, MSIG USA will consider a candidate’s relevant experience, location, and other job-related factors.
Additional Benefits:
- Healthcare and Retirement Benefits
- Comprehensive medical, dental, and vision coverage
- 401(k) with a generous employer match and profit-sharing contribution
- Wellness incentive program
- Life and accidental death and dismemberment (AD&D) insurance
- Flexible spending programs
- Short-term and long-term disability plans
Additional Benefit Programs
- Paid time off program
- Paid charitable leave
- Paid parental leave
- Tuition reimbursement program
- Personal insurance (auto/homeowners) discounts
It's an exciting time for our company and a great opportunity to join a financially sound and growing global insurance group!
It is the policy of MSIG USA to provide equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state or local law. In addition, MSIG USA will provide reasonable accommodations for qualified individuals with disabilities.
MSIG USA continues to grow!
Company Overview:
MSIG USA is the US-based subsidiary of MS&AD Insurance Group Holdings, Inc., one of the world’s top P&C carriers and a global Class 15 insurer, with A+ ratings and a reach that spans 40+ countries and regions. Leveraging our 350-year heritage, MSIG USA brings the financial strength, expertise, and global footprint to offer commercial insurance solutions that address your business’s unique risks.
As a Surety Underwriter at MSIG USA, you will play a key role in supporting the growth and profitability of our Surety portfolio. This position focuses on evaluating new and existing surety accounts, analyzing financial and credit information, and developing strong relationships with brokers and agents. You’ll work closely with experienced members of the Surety team to develop underwriting solutions, build a profitable book of business, and provide responsive service to our distribution partners.
Essential Functions:
- Evaluate and underwrite new and existing surety accounts and bond requests within assigned authority, ensuring alignment with company underwriting guidelines and risk appetite
- Analyze financial statements, credit information, work-in-progress schedules, business plans, ownership structures, and other relevant information to assess the financial strength and creditworthiness of surety principals
- Evaluate account exposures and determine appropriate underwriting terms, conditions, limits, indemnity, and other risk-mitigation measures
- Review bond forms, contracts, and supporting documentation to understand the underlying obligation and identify unusual or material risk considerations
- Prepare clear and well-supported underwriting recommendations and refer accounts or transactions exceeding assigned authority as appropriate
- Develop and maintain strong relationships with brokers and agents through regular communication, account reviews, and responsive service
- Identify and pursue opportunities for profitable new business and expansion of existing surety relationships
- Monitor existing accounts for changes in financial condition, business operations, bonded exposure, and other developments that may affect the company's risk
- Maintain accurate and complete underwriting documentation in accordance with company standards and applicable requirements
- Collaborate with other Surety team members and internal partners, including Claims, Legal, Operations, Finance, and Reinsurance, as appropriate
- Develop technical knowledge of surety products, underwriting principles, industry practices, and relevant legal and regulatory requirements
- Contribute to special projects and team initiatives as assigned
Qualifications:
- Bachelor’s degree required.
- 3+ years of commercial underwriting experience required; surety underwriting experience strongly preferred.
- Experience with surety underwriting principles, bond forms, indemnity agreements, contractual obligations, and risk-mitigation techniques.
- Experience applying financial and credit analysis to surety underwriting decisions, including assessment of financial strength, creditworthiness, working capital, cash flow, and overall account risk.
- Experience working with brokers and agents to evaluate submissions, negotiate underwriting terms, and support profitable business development.
- Knowledge of applicable underwriting guidelines, authority levels, documentation standards, and legal and regulatory requirements.
- Excellent written and verbal communication skills.
- Proficiency in Microsoft Office Suite and ability to learn internal systems.
- Commitment to ongoing professional development and surety industry education.
Other Skills and Abilities:
- Demonstrated ability to evaluate credit risk and make well-reasoned underwriting decisions within assigned authority.
- Ability to assess account structure, aggregate exposure, bond programs, and material changes in financial or operational risk.
- Strong analytical and problem-solving skills with attention to detail.
- Sound judgment and an ability to make well-reasoned underwriting decisions.
- Effective interpersonal, relationship-building, and negotiation abilities.
- Ability to manage multiple accounts and priorities while delivering timely and responsive service.
SALARY: The estimated salary range for this position is $110,000.00 - $150,000.00 per year. This is a good-faith assessment of the salary range for this position only. In determining the actual salary within this range, MSIG USA will consider a candidate’s relevant experience, location, and other job-related factors.
Additional Benefits:
- Healthcare and Retirement Benefits
- Comprehensive medical, dental, and vision coverage
- 401(k) with a generous employer match and profit-sharing contribution
- Wellness incentive program
- Life and accidental death and dismemberment (AD&D) insurance
- Flexible spending programs
- Short-term and long-term disability plans
Additional Benefit Programs
- Paid time off program
- Paid charitable leave
- Paid parental leave
- Tuition reimbursement program
- Personal insurance (auto/homeowners) discounts
It's an exciting time for our company and a great opportunity to join a financially sound and growing global insurance group!
It is the policy of MSIG USA to provide equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state or local law. In addition, MSIG USA will provide reasonable accommodations for qualified individuals with disabilities.
Surety Underwriter Jobs by Experience Level
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Who's Hiring
Top Industries Hiring
- Insurance
- Agriculture & Farming
What Employers Look For
The qualifications that appear most often in surety underwriter jobs.
- Three to five years of surety underwriting experience across contract or commercial bond lines
- Proficiency in financial statement analysis including balance sheets, income statements, and cash flow
- Bachelor's degree in finance, accounting, business, or a related field
- Familiarity with surety bond forms, indemnity agreements, and underwriting guidelines
- Experience with underwriting workstations, policy management systems, or agency management platforms
- Professional designations such as AFSB, CPCU, or AU are preferred by many carriers
Tips for Your Surety Underwriter Job Search
Tailor your resume to bond lines
Surety underwriters are hired to manage specific bond classes, so list your experience by line, whether contract, commercial, fidelity, or court. Hiring managers scan for the exact bond types they need, and a generic insurance resume won't surface those signals.
Highlight your authority limits and loss ratios
Underwriting job descriptions routinely ask about binding authority and portfolio loss history. Quantify the authority levels you've held and any loss ratio improvements you contributed to. These specifics differentiate you from candidates who list only general underwriting duties.
Target carriers by their surety market position
Surety is a specialty line dominated by a handful of carriers and a wider set of regional players. Identify whether a company focuses on small contractors, large construction programs, or commercial accounts, and match your cover letter to that niche rather than sending a generic application.
Apply early to roles that fit
Migrate Mate lists surety underwriter openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Prepare for financial statement case questions
Surety interviews almost always include a financial statement analysis exercise. Practice spreading a contractor balance sheet, calculating working capital, and identifying bonding capacity. Demonstrating fluency with these mechanics in real time is what separates candidates at the offer stage.
Negotiate by referencing book size and renewal rates
When discussing compensation, anchor your ask to the size of the book you've managed and your renewal retention rate. These figures translate directly into revenue value for a surety carrier and give you a concrete basis for a higher offer than a generic underwriter might command.
Surety Underwriter Jobs: Frequently Asked Questions
Which companies are hiring the most surety underwriters?
The companies hiring the most surety underwriters right now include The Hartford, Crum & Forster, and Great American Insurance, with the largest share of openings in California, Florida, and Georgia, based on current listings on Migrate Mate as of November 2026. Contract surety and construction-focused carriers tend to post the highest volume of openings.
How many surety underwriter jobs are remote?
About 86% of surety underwriter openings are fully remote or hybrid as of November 2026, with remote work most common in commercial surety and account management roles that rely on agent and broker relationships rather than on-site underwriting decisions. Contract surety roles tied to construction risk review are more likely to require in-office presence.
How do you become a surety underwriter?
Most surety underwriters start with a finance, accounting, or business degree, then enter the field through a commercial lines underwriting trainee program or a property and casualty role at a carrier. From there, moving into surety typically means requesting a rotation or transfer into the surety division, learning to analyze financial statements and bonding capacity, and building relationships with agents who specialize in surety accounts. Earning a designation like the Associate in Fidelity and Surety Bonding strengthens your standing for senior roles.
Can you get hired as a surety underwriter with no experience?
Entry-level surety roles do exist, usually titled underwriting trainee or underwriting assistant, and they are the standard path for candidates without prior surety experience. Carriers typically look for strong financial analysis skills, an understanding of credit fundamentals, and familiarity with how bonding works from coursework or internships. Highlighting accounting or credit analysis experience from a related financial role can bridge the gap when direct surety experience is absent.
What does the surety underwriter interview process look like?
Most surety underwriter interviews involve an initial screening call with a recruiter or HR contact, followed by a technical interview with a senior underwriter or underwriting manager that tests your financial statement analysis skills. Candidates for mid-level and senior roles are often given a case study to spread a contractor or business financial statement and recommend a bonding decision. Final rounds typically include a conversation with regional leadership and may cover book management, agency relationships, and your philosophy on risk selection.
Where can I find and apply to surety underwriter jobs?
You can find and apply to surety underwriter jobs on Migrate Mate, which lists current openings from across the United States. Search the listings to find roles that match your experience level and bond line focus, then apply directly to each listing that fits.
See All 62 Surety Underwriter Jobs
Find roles that match your experience and apply in just a few clicks.
Find Surety Underwriter Jobs