Underwriting Specialist Jobs in Texas
Underwriting Specialist jobs in Texas are consistently active across the property and casualty, commercial lines, and life and health insurance sectors, with openings at every level from entry-level analyst to senior underwriter. Houston, Dallas, and San Antonio are the primary hiring centers, anchored by major carriers and financial services firms such as Nationwide, USAA, and The Hartford, all of which maintain significant operations in the state. Surplus lines, commercial property, and cyber liability are among the most in-demand specialties in the Texas market. Find a role that fits below and apply directly.
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INTRODUCTION
At AIG, we are reimagining the way we help customers to manage risk. Join us as an Underwriting Specialist, SEMM, Retail Casualty to play your part in that transformation. It’s an opportunity to grow your skills and experience as a valued member of the team. AIG underwriting teams help to find insurance solutions in areas including Financial Lines, Property, Casualty, Specialty Lines, Cyber, Multinational Clients, and High Net Worth individuals. We are reimagining how we help customers to manage risk, transforming our operating model, and reshaping our role responsibilities and career pathways. The goal is to unlock the full potential in each colleague – empowering our people to grow as insurance professionals and add more value to our customers and AIG.
ROLE AND RESPONSIBILITIES
The Underwriting Specialist will handle accounts/clients that are most complex and be responsible for underwriting an Admitted Casualty portfolio. Develops and manages underwriting strategies for both renewals and prospects within his/her portfolio of accounts. This includes knowledge of the current market penetration of NA Casualty products and the development of specific plans to increase portfolio share. Develops and implements negotiation strategies. Makes independent sales calls to market and cross-market products. Identifies target markets, designs and implements strategies for lead development and builds prospect lists.
- Provides technical direction to management, less senior specialists, producers, and claims adjusting personnel.
- Communicate risk appetite and NA Casualty Value Proposition to brokers.
- Collaborate with Distribution, Territory Managers, and other line(s) of business underwriters to target desirable accounts and cross selling opportunities from brokers.
- Rapidly evaluate, prioritize and select submissions to be underwritten.
- Recognize and create cross sell opportunities for other Commercial products.
- Work with broker to understand the deal structure, terms, and AIG Services that best meets clients’ needs.
- May review, evaluate and make recommendations to underwriting guidelines.
- May direct or conduct internal underwriting audits.
- Negotiate pricing, terms & conditions, and deal structure with brokers and clients.
- Participate in special underwriting projects as needed.
- Develop strong, long-term relationships with brokers and clients to profitably grow a book of business.
- Will identify cross selling opportunities.
- Provide superior customer service to brokers and clients.
BASIC QUALIFICATIONS
- Minimum 5 years of Commercial Insurance Company, Agency or Brokerage experience.
- Bachelor’s degree from a four-year college or university.
- Proven ability to build and maintain strong professional relationships.
- Advanced working knowledge of the NA Casualty lines of business including product features, forms, regulatory environments and risks etc. (i.e. Environmental, Excess or Primary Casualty, NA Auto, WC, AL, GL, DBA, Foreign Casualty).
- Demonstrated sales, marketing, and relationship building experience.
- Very strong verbal and written communication skills.
- Highly motivated and results oriented.
- Ability to work in dynamic, rapidly changing environment, adapting to changing requirements and collaborating with a wide range of colleagues to quickly deliver solutions.
- Willingness to be flexible, learn on the job, and maintain a can-do attitude.
- Expert with underwriting analytical tools and technology.
WHAT YOU’LL NEED TO SUCCEED
Ready to maximize your impact? We would love to hear from you. At AIG, we value in-person collaboration as a vital part of our culture, which is why we ask our team members to be primarily in the office. This approach helps us work together effectively and create a supportive, connected environment for our team and clients alike.
ENJOY BENEFITS THAT TAKE CARE OF WHAT MATTERS
At AIG, our people are our greatest asset. We know how important it is to protect and invest in what’s most important to you. That is why we created our Total Rewards Program, a comprehensive benefits package that extends beyond time spent at work to offer benefits focused on your health, wellbeing and financial security—as well as your professional development—to bring peace of mind to you and your family.
REIMAGINING INSURANCE TO MAKE A BIGGER DIFFERENCE TO THE WORLD
American International Group, Inc. (AIG) is a global leader in commercial and personal insurance solutions; we are one of the world’s most far-reaching property casualty networks. It is an exciting time to join us — across our operations, we are thinking in new and innovative ways to deliver ever-better solutions to our customers. At AIG, you can go further to support individuals, businesses, and communities, helping them to manage risk, respond to times of uncertainty and discover new potential. We invest in our largest asset, our people, through continuous learning and development, in a culture that celebrates everyone for who they are and what they want to become.
WELCOME TO A CULTURE OF INCLUSION
We’re committed to creating a culture that truly respects and celebrates each other’s talents, backgrounds, cultures, opinions and goals. We foster a culture of inclusion and belonging through learning, cultural awareness activities and Employee Resource Groups (ERGs). With global chapters, ERGs are a cornerstone for our culture of inclusion. The talent of our people is one of AIG’s greatest assets, and we are honored that our drive for positive change has been recognized by numerous recent awards and accreditations.
AIG provides equal opportunity to all qualified individuals regardless of race, color, religion, age, gender, gender expression, national origin, veteran status, disability or any other legally protected categories. AIG is committed to working with and providing reasonable accommodations to job applicants and employees with disabilities. If you believe you need a reasonable accommodation, please send an email to candidatecare@aig.com.
Functional Area
UW - Underwriting National Union Fire Insurance Company of Pittsburgh, Pa.
See All 5 Underwriting Specialist Jobs in Texas
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Find Underwriting Specialist JobsUnderwriting Specialist Jobs by City in Texas
Where Texas roles are concentrated, by current openings.
Underwriting Specialist Job Market in Texas
A snapshot from current Texas openings, updated as new roles post.
Who's Hiring



Top Industries Hiring
- Insurance
What Texas Employers Look For
The qualifications that appear most often in underwriting specialist jobs across Texas.
- Active Texas surplus lines license or Property and Casualty license preferred by most carriers
- Bachelor's degree in finance, business, risk management, or a related field required
- Two or more years of underwriting experience in commercial or personal lines
- Proficiency with underwriting systems and policy management software such as Applied Epic
- CPCU, AU, or CIC designation is a strong differentiator for mid-level and senior roles
- Strong analytical skills with the ability to assess risk and interpret loss run data
Underwriting Specialist Jobs in Texas: Frequently Asked Questions
How do you become a underwriting specialist in Texas?
Most underwriting specialist roles in Texas require at least a bachelor's degree in business, finance, or risk management, followed by an entry-level position such as underwriting assistant or analyst. For roles handling surplus lines business, the Texas Department of Insurance administers the Surplus Lines Agent license, which requires passing a state exam. The Chartered Property Casualty Underwriter designation is widely recognized by Texas carriers and accelerates advancement into specialist and senior roles.
How much do underwriting specialists make in Texas?
Underwriting specialists in Texas earn a median of about $78,890 a year, based on May 2025 Bureau of Labor Statistics wage data, ranging from around $51,440 for the lowest 10% to over $135,410 for the top 10%. Pay rises with experience, specialty, and employer.
Which companies hire underwriting specialists in Texas?
Employers hiring underwriting specialists in Texas right now include AIG, Ascot, and Zurich Insurance, based on current listings on Migrate Mate as of August 2026. Texas's concentration of insurance carriers, surplus lines wholesalers, and financial services firms in Houston and Dallas means demand for underwriting specialists remains steady across both regional and national employers.
Which Texas cities have the most underwriting specialist jobs?
Houston and Dallas hold the most underwriting specialist openings in Texas. Houston leads because of its outsized concentration of energy, petrochemical, and marine risk, which drives heavy commercial lines underwriting activity, while Dallas attracts a broad range of national carriers and managing general agents that have established regional headquarters in the Metroplex.
Are there remote underwriting specialist jobs in Texas?
Yes, and more than most fields. About 67% of underwriting specialist openings tied to Texas are remote or hybrid as of August 2026, reflecting the desk-based and analytical nature of the work. Roles focused on personal lines, small commercial, and renewal underwriting tend to be the most consistently offered on a remote or hybrid basis.
How can I get hired as a underwriting specialist in Texas with little or no experience?
The most realistic entry path is an underwriting assistant or commercial lines rater role, which large Texas carriers such as USAA and Nationwide hire for regularly and use as structured pipelines into full underwriting positions. Adjacent roles in claims analysis or insurance operations at Texas-based managing general agents also provide a route in. Pursuing the Associate in Commercial Underwriting designation early signals commitment and gives candidates a concrete credential before they have years of experience to offer.
Where can I find and apply to underwriting specialist jobs in Texas?
You can find and apply to underwriting specialist jobs in Texas on Migrate Mate, which lists current openings across the state. Search for roles that match your experience and specialty, then apply directly to the ones that fit.
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