Insurance Underwriter Resume Example and Template
A powerful Insurance Underwriter resume shows expertise in risk assessment, knowledge of underwriting guidelines, and a track record of profitable book growth. Highlight your experience with specific lines of business and your decision-making discipline.
Insurance carriers prioritize underwriters who balance growth with profitability, understand complex risks, make sound decisions quickly, and communicate effectively with agents and brokers.
Also searched as
Commercial Underwriter, Underwriting Specialist, Underwriting Assistant
Robert Patterson: Insurance Underwriter
Hartford, Connecticut, United States
Summary
Insurance Underwriter with 6 years of commercial property and casualty underwriting experience. Specialized in construction and contractors risk for regional and national carriers. Managed premium volume of $32 million annually while maintaining 94% loss ratio. Evaluated complex risk exposures, negotiated loss control requirements, and mentored 2 junior underwriters. Recognized for rapid decision turnaround and relationship management with agency partners.
Work Experience
Commercial Underwriter, Pinnacle Insurance Group
Nov 2021 – Present. Regional P&C carrier, $840 million annual premium
- Underwrite commercial property and liability risks for construction contractors and manufacturers; approve or decline applications with premium authority to $2.5M.
- Manage active premium book of $32 million with 94% combined ratio, outperforming company average of 98%.
- Developed underwriting guidelines for construction equipment contractors, resulting in new business segment with 47 policies and $8.3M premium.
- Interviewed applicants, performed site inspections on complex risks, and negotiated loss control improvements with 89 agents annually.
Underwriting Specialist, Mid-Atlantic Risk Solutions
Aug 2019 – Oct 2021. Specialty insurance broker and underwriter
- Reviewed construction, manufacturing, and maritime risk applications; supported binding decisions for $18M in annual premium.
- Coordinated with loss control specialists and claims teams to ensure risk evaluations aligned with actual field conditions.
- Trained on specialized underwriting systems, policy forms, and industry-specific exposure analysis.
Underwriting Assistant, Connecticut Insurance Agency
May 2018 – Jul 2019. Multi-line insurance agency
- Processed application submissions, verified coverage requirements, and coordinated with underwriting carriers.
- Assisted underwriters with preliminary risk analysis and policy documentation.
Education
University of Connecticut
Bachelor of Science, Business Administration. Sep 2014 – May 2018
Skills
Underwriting, Risk Assessment, Commercial Insurance, Property and Casualty, Claims Analysis, Policy Forms, Underwriting Guidelines, Loss Control, Underwriting Systems, Negotiation, Customer Relations, Decision Making
Languages
English
Certificates and Awards
- Associate in Commercial Underwriting (ACU), The Institutes, 2021
- Certified Insurance Counselor (CIC), The Institutes, 2022
Why this look works
Insurance underwriting requires careful judgment and protective thinking. This template's structured, authoritative look conveys the rigor and accountability that carriers expect in risk decision-makers.
Resume tips for this job
- Lead with loss ratio and premium volume. Insurers measure underwriter performance by profitability, so show your combined ratio and book size clearly.
- Include specific risk categories you've underwritten: construction, manufacturing, hospitality. Specialization commands higher value than generalist experience.
- Highlight decision velocity: average turnaround time on applications, authority limits you hold, number of bindings made per month. Speed with accuracy is prized.
Common questions
How do I explain a high loss ratio in my past work?
Focus on improvements made and lessons learned. If your book had 102% ratio but you brought it down to 94% through tighter underwriting guidelines, that turnaround tells a positive story.
Should I include specific claims I've denied?
No. Avoid claiming credit for individual claims decisions. Focus on your overall underwriting book performance, consistency, and the quality of your risk selection across many decisions.
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The person, employers and numbers in this example are fictional, written to show what a strong resume for this job looks like.