Underwriter Jobs in Ohio
Underwriter jobs in Ohio are consistently active, with demand concentrated in insurance carriers, commercial banking, and mortgage lending across the state at levels from entry-level analyst through senior and principal roles. Columbus, Cleveland, and Cincinnati anchor most of the hiring, where established employers like Nationwide, Progressive, and Fifth Third Bank maintain large underwriting operations. The most sought-after specialties in Ohio are commercial lines, mortgage, and healthcare liability underwriting. Find a role that fits below and apply directly.
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Showing 5 of 39+ Underwriter jobs
The above represents the full salary range for this job requisition. Ultimately, in determining your pay and job title, we'll consider your location, education, experience, and other job-related factors, and will fall within the stated range. Your recruiter can share more information about the specific salary range during the hiring process.
While we prefer candidates who reside closer to our Columbus, Ohio or Charleston, West Virginia offices that could work a hybrid or remote schedule, we will also consider candidates anywhere in our approved payroll states who can work full time remote.
We may hire a senior level for this role and the salary range listed is inclusive of both the non senior and senior level.
This role will report to a Manager, Commercial Lines Underwriting Services.
Are you a Referral?
If you know a current Encova Insurance associate and would like to apply as a referral, please encourage them to submit your referral information before you submit your application. You will receive an email with a direct URL link to the Job Posting of interest. Applying through this URL link will create your referral relationship for our Talent Acquisition Team.
Unique residence requirements are listed in each job posting, please review closely for details.
Encova is only able to employ associates who reside and work within specific U.S. states. Our current policies are based on the laws in states in which we are registered for payroll. Our current footprint includes:
Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nebraska, New Hampshire, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, Wisconsin.
JOB OBJECTIVE:
The Associate Underwriter within designated authority utilizes basic underwriting techniques to evaluate and price new business and renewal applications in order to determine acceptability in accordance with corporate guidelines and standards. The Associate Underwriter will also accurately enter policy information, process endorsements, audits and other policy transactions and refer them to a staff member with a higher authority level when appropriate. This position’s objective is to support the team goals of writing profitable new business and retaining profitable renewals while ensuring excellent customer service.
ESSENTIAL FUNCTIONS:
1. Perform routine selection, evaluation, and pricing of all assigned risks, following established procedures, for policies for all lines of commercial insurance. This includes the processing of new business, revisions, renewals and select reinsurance quoting.
2. Review basic new and renewal business requests and determine acceptability, using appropriate Encova, state specific and industry rules, policies, procedures, guidelines, etc.
3. Perform new business set-up and rating, including obtaining additional information needed to develop a new business quote and/or proposal.
4. Issue and assemble policies. Effectively utilizes industry rules and guidance to ensure proper policy construction.
5. Process endorsements, cancellations, declinations, and reissues of policies, following appropriate rules, policies, procedures and guidelines.
6. Field routine agency service requests, referring more complex issues to the team’s mentoring underwriter and/or Regional Vice President.
7. Ensure accurate and timely servicing of accounts.
8. Maintain user knowledge of internal systems and any available rating programs.
9. Successfully complete transactions such as supplemental underwriting reports, MVRs, financials, surveys, agency transfers, statement of values, and driver list follow-ups within assigned authority and refer risks to commercial underwriter that do not meet guidelines.
OTHER FUNCTIONS:
1. May assist in training others.
2. Other duties as assigned.
KNOWLEDGE, SKILLS AND ABILITIES:
- High school diploma required.
- Two years’ experience in a professional business or insurance environment preferred.
- Bachelor’s Degree from an accredited college or university is preferred and may substitute for experience.
- Preference may be shown to applicants who have previous commercial lines underwriting experience.
- Critical thinking: Ability to assess an individual situation and select applicable alternatives from an array of options, resulting in the most appropriate and sustainable decision.
- Working knowledge of the state specific underwriting laws and rules and their application to the book of business.
- Working knowledge of underwriting principles and practices, risk selection and classification.
- Working knowledge of the operational policies and procedures.
- Ability to multi-task several assignments simultaneously while meeting established guidelines.
- Results-oriented with strong decision-making, analytical and problem-solving skills.
- Ability to work effectively within a team environment.
- Ability to adjust priorities based on changing situations.
- Ability to communicate effectively.
- Ability to establish and maintain effective working relationships with others to achieve objectives.
- Proficient in Excel.
This position has been evaluated in accordance with the Americans with Disabilities Act. Encova Insurance makes every effort to reasonably accommodate disabilities to permit performance of the essential functions and candidates who need such accommodation are encouraged to seek it. This description reflects the nature and level of work performed by associates in this position. It is not an all-inclusive inventory of duties, responsibilities and qualifications required. It provides an accurate overview of the work and skills needed to perform this position. Because job content may change from time to time, Encova Insurance reserves the right to add and/or delete functions from this job as it deems necessary for business reasons.
Ready to join our team?
At Encova Insurance, we firmly believe that our associates drive our company's success by delivering unrivaled service to our customers. With success in mind, we make an ongoing effort to provide an environment that offers challenging, stimulating, and financially rewarding opportunities. Join us to discover a work experience where you can learn and grow to your fullest potential.
What you can expect from us
In addition to a competitive compensation package, we offer a comprehensive benefits package designed to support the well-being and growth of our associates. Available benefits (subject to any policy or plan changes) include, but are not limited to:
Health, Dental & Vision Insurance
Company-provided life and income protection plans
Eligibility to participate in a company incentive bonus program
401(k) Retirement Plan - 100% company match up to 7% on annual salary
Paid Time Off, Paid Holidays, and Floating Holidays
Flexible Work Arrangements - Hybrid and remote depending on the role
We believe that happy, healthy associates are the foundation of great work. Join us and thrive both professionally and personally.
Encova Insurance is an EOE/E-Verify employer.
#LI-Remote#LI-MF1The above represents the full salary range for this job requisition. Ultimately, in determining your pay and job title, we'll consider your location, education, experience, and other job-related factors, and will fall within the stated range. Your recruiter can share more information about the specific salary range during the hiring process.
While we prefer candidates who reside closer to our Columbus, Ohio or Charleston, West Virginia offices that could work a hybrid or remote schedule, we will also consider candidates anywhere in our approved payroll states who can work full time remote.
We may hire a senior level for this role and the salary range listed is inclusive of both the non senior and senior level.
This role will report to a Manager, Commercial Lines Underwriting Services.
Are you a Referral?
If you know a current Encova Insurance associate and would like to apply as a referral, please encourage them to submit your referral information before you submit your application. You will receive an email with a direct URL link to the Job Posting of interest. Applying through this URL link will create your referral relationship for our Talent Acquisition Team.
Unique residence requirements are listed in each job posting, please review closely for details.
Encova is only able to employ associates who reside and work within specific U.S. states. Our current policies are based on the laws in states in which we are registered for payroll. Our current footprint includes:
Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nebraska, New Hampshire, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, Wisconsin.
JOB OBJECTIVE:
The Associate Underwriter within designated authority utilizes basic underwriting techniques to evaluate and price new business and renewal applications in order to determine acceptability in accordance with corporate guidelines and standards. The Associate Underwriter will also accurately enter policy information, process endorsements, audits and other policy transactions and refer them to a staff member with a higher authority level when appropriate. This position’s objective is to support the team goals of writing profitable new business and retaining profitable renewals while ensuring excellent customer service.
ESSENTIAL FUNCTIONS:
1. Perform routine selection, evaluation, and pricing of all assigned risks, following established procedures, for policies for all lines of commercial insurance. This includes the processing of new business, revisions, renewals and select reinsurance quoting.
2. Review basic new and renewal business requests and determine acceptability, using appropriate Encova, state specific and industry rules, policies, procedures, guidelines, etc.
3. Perform new business set-up and rating, including obtaining additional information needed to develop a new business quote and/or proposal.
4. Issue and assemble policies. Effectively utilizes industry rules and guidance to ensure proper policy construction.
5. Process endorsements, cancellations, declinations, and reissues of policies, following appropriate rules, policies, procedures and guidelines.
6. Field routine agency service requests, referring more complex issues to the team’s mentoring underwriter and/or Regional Vice President.
7. Ensure accurate and timely servicing of accounts.
8. Maintain user knowledge of internal systems and any available rating programs.
9. Successfully complete transactions such as supplemental underwriting reports, MVRs, financials, surveys, agency transfers, statement of values, and driver list follow-ups within assigned authority and refer risks to commercial underwriter that do not meet guidelines.
OTHER FUNCTIONS:
1. May assist in training others.
2. Other duties as assigned.
KNOWLEDGE, SKILLS AND ABILITIES:
- High school diploma required.
- Two years’ experience in a professional business or insurance environment preferred.
- Bachelor’s Degree from an accredited college or university is preferred and may substitute for experience.
- Preference may be shown to applicants who have previous commercial lines underwriting experience.
- Critical thinking: Ability to assess an individual situation and select applicable alternatives from an array of options, resulting in the most appropriate and sustainable decision.
- Working knowledge of the state specific underwriting laws and rules and their application to the book of business.
- Working knowledge of underwriting principles and practices, risk selection and classification.
- Working knowledge of the operational policies and procedures.
- Ability to multi-task several assignments simultaneously while meeting established guidelines.
- Results-oriented with strong decision-making, analytical and problem-solving skills.
- Ability to work effectively within a team environment.
- Ability to adjust priorities based on changing situations.
- Ability to communicate effectively.
- Ability to establish and maintain effective working relationships with others to achieve objectives.
- Proficient in Excel.
This position has been evaluated in accordance with the Americans with Disabilities Act. Encova Insurance makes every effort to reasonably accommodate disabilities to permit performance of the essential functions and candidates who need such accommodation are encouraged to seek it. This description reflects the nature and level of work performed by associates in this position. It is not an all-inclusive inventory of duties, responsibilities and qualifications required. It provides an accurate overview of the work and skills needed to perform this position. Because job content may change from time to time, Encova Insurance reserves the right to add and/or delete functions from this job as it deems necessary for business reasons.
Ready to join our team?
At Encova Insurance, we firmly believe that our associates drive our company's success by delivering unrivaled service to our customers. With success in mind, we make an ongoing effort to provide an environment that offers challenging, stimulating, and financially rewarding opportunities. Join us to discover a work experience where you can learn and grow to your fullest potential.
What you can expect from us
In addition to a competitive compensation package, we offer a comprehensive benefits package designed to support the well-being and growth of our associates. Available benefits (subject to any policy or plan changes) include, but are not limited to:
Health, Dental & Vision Insurance
Company-provided life and income protection plans
Eligibility to participate in a company incentive bonus program
401(k) Retirement Plan - 100% company match up to 7% on annual salary
Paid Time Off, Paid Holidays, and Floating Holidays
Flexible Work Arrangements - Hybrid and remote depending on the role
We believe that happy, healthy associates are the foundation of great work. Join us and thrive both professionally and personally.
Encova Insurance is an EOE/E-Verify employer.
#LI-Remote#LI-MF1See All 39 Underwriter Jobs in Ohio
Find roles in Ohio that match your experience and apply in just a few clicks.
Find Underwriter JobsUnderwriter Jobs by City in Ohio
Where Ohio roles are concentrated, by current openings.
Underwriter Job Market in Ohio
A snapshot from current Ohio openings, updated as new roles post.
Who's Hiring
Top Industries Hiring
- Staffing & Recruiting
- Banking & Financial Services
- Insurance
- Agriculture & Farming
What Ohio Employers Look For
The qualifications that appear most often in underwriter jobs across Ohio.
- Active Ohio Department of Insurance license or license recognized reciprocally in Ohio
- Bachelor's degree in finance, business, economics, or a related field
- Experience with commercial or personal lines underwriting and risk assessment
- Proficiency in underwriting software platforms and actuarial data systems
- Strong analytical skills with the ability to evaluate complex financial documents
- Professional designation such as CPCU, AU, or CUL preferred for senior roles
Underwriter Jobs in Ohio: Frequently Asked Questions
How do you become a underwriter in Ohio?
Most underwriters in Ohio enter the field with a bachelor's degree in finance, business, or a related discipline, then complete employer-sponsored training programs. For insurance underwriting specifically, Ohio requires licensure through the Ohio Department of Insurance, which administers property and casualty and life and health licensing exams. Mortgage underwriters typically obtain a Mortgage Loan Originator license through the Nationwide Multistate Licensing System. Many Ohio employers hire candidates directly into junior underwriter or underwriter trainee roles.
How much do underwriters make in Ohio?
Underwriters in Ohio earn a median of about $79,260 a year, based on May 2025 Bureau of Labor Statistics wage data, ranging from around $52,080 for the lowest 10% to over $128,320 for the top 10%. Pay rises with experience, specialty, and employer.
Which companies hire underwriters in Ohio?
Employers hiring underwriters in Ohio right now include Jobot, KeyBank, and Great American Insurance, based on current listings on Migrate Mate as of September 2026. Ohio's deep concentration of insurance carriers, regional banks, and mortgage companies means underwriting roles appear regularly across both large headquarters operations and regional offices throughout the state.
Which Ohio cities have the most underwriter jobs?
Cincinnati, Columbus, and Cleveland have the most underwriter openings in Ohio. Columbus leads because it is home to Nationwide's headquarters and a dense cluster of financial services firms, while Cleveland and Cincinnati draw volume from major regional banks, insurance carriers, and healthcare liability underwriters serving their large metropolitan economies.
Are there remote underwriter jobs in Ohio?
Yes, and more than most fields, because underwriting is an analytical, document-driven role that translates well to remote work. About 72% of underwriter openings tied to Ohio are remote or hybrid as of September 2026, reflecting broad industry acceptance of distributed underwriting teams. Mortgage and commercial lines underwriting tend to have the highest concentration of fully remote positions among Ohio listings.
How can I get hired as a underwriter in Ohio with little or no experience?
The most realistic entry path is applying directly to underwriter trainee or underwriting analyst programs at Ohio's large insurance carriers and banks, such as Nationwide, Progressive, or KeyBank, which run structured new-hire training tracks. Candidates moving from adjacent roles like claims analyst, loan processor, or risk analyst have a strong conversion rate into junior underwriting positions. Earning an Ohio Department of Insurance license before applying gives candidates a meaningful edge over those without credentials.
Where can I find and apply to underwriter jobs in Ohio?
You can find and apply to underwriter jobs in Ohio on Migrate Mate, which lists current openings from employers hiring across the state. Search the listings to find roles that match your experience level and specialty, then apply directly to the ones that fit.
See All 39 Underwriter Jobs in Ohio
Find roles in Ohio that match your experience and apply in just a few clicks.
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