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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Description
Marketing Statement:
Philadelphia Insurance Companies, a member of the Tokio Marine Group, designs, markets and underwrites commercial property/casualty and professional liability insurance products for select industries. We have been in operation since 1962 and are nationally recognized as a member of Ward's Top 50 and rated A++ by A.M.Best.
We are looking for a Sr. Underwriting Specialist to join our TMS Excess Casualty team in any of our PHLY office locations!
Summary:
Under broad management direction, independently works at the highest authority limits on assignments reflecting the highest degree of technical complexity and coordination. Underwrites and markets assigned products by delivering highest levels of risk assessment and technical underwriting expertise to determine underwriting acceptability. Often one-of-a-kind subject matter expert potentially with national responsibility; not part of the normal career path.
A typical day will include the following:
Mentors, trains and/or supervises less experienced underwriters.
Conducts analysis and applies appropriate underwriting techniques necessary to make an accurate evaluation of risk acceptability.
Delivers technical guidance as an expert resource providing assistance and training to junior level employees.
Prepares and participates in proposals to producers and/or accounts negotiating terms and conditions.
Prepares and participates in marketing activities for business development and relationship building.
Qualifications:
Bachelors degree
Minimum of 15 years of related industry experience or Excess Casualty coverage (equivalent combination of education and experience may be considered in lieu of requirements)
National salary range: $138,400 - 154,700
Ultimate salary offered will be based on factors such as applicant experience and geographic location.
#LI-NM1
EEO Statement:
Tokio Marine Group of Companies (including, but not limited to the Philadelphia Insurance Companies, Tokio Marine America, Inc., TMNA Services, LLC, TM Claims Service, Inc. and First Insurance Company of Hawaii, Ltd.) is an Equal Opportunity Employer. In order to remain competitive we must attract, develop, motivate, and retain the most qualified employees regardless of age, color, race, religion, gender, disability, national or ethnic origin, family circumstances, life experiences, marital status, military status, sexual orientation and/or any other status protected by law.
Benefits:
We offer a comprehensive benefit package, which includes tuition reimbursement and a generous 401K match. Our rich history of outstanding results and growth allow us to focus our business plan on continued growth, new products, people development and internal career opportunities. If you enjoy working in a fast paced work environment with growth potential please apply online.
Additional information on Volunteer Benefits, Paid Vacation, Medical Benefits, Educational Incentives, Family Friendly Benefits and Investment Incentives can be found at https://www.phly.com/Careers/default.aspx
Summary
Under broad management direction, independently works at the highest authority limits on assignments reflecting the highest degree of technical complexity and coordination. Underwrites and markets assigned products by delivering highest levels of risk assessment and technical underwriting expertise to determine underwriting acceptability. Often one-of-a-kind subject matter expert potentially with national responsibility; not part of the normal career path.See All 7 Underwriting Specialist Jobs in Texas
Find roles in Texas that match your experience and apply in just a few clicks.
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 Philadelphia Insurance Companies, AIG, and AF, based on current listings on Migrate Mate as of October 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 Plano 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 October 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.
See All 7 Underwriting Specialist Jobs in Texas
Find roles in Texas that match your experience and apply in just a few clicks.
Find Underwriting Specialist Jobs