US Insurance Underwriter

Aspire Globus; Mohali; On-site; INR 700,000 - 1,100,000; Full time

Job summary

Aspire Globus in Mohali is seeking a detail-oriented US Insurance Underwriter to assess and evaluate insurance risks for businesses and individuals. This role supports US operations, requires working night shifts, and involves reviewing applications, analyzing risk factors, and ensuring policies align with underwriting guidelines.

The candidate will collaborate with agents, brokers, and clients, confirm regulatory compliance, and maintain thorough underwriting documentation across renewals and

Qualifications

• Bachelor's degree in Business, Finance, Economics, or a related field.
• 2–3 years of underwriting experience preferred.
• Experience in commercial or general insurance underwriting is an advantage.
• Professional certifications such as CPCU or AU are a plus.

Responsibilities

• Review insurance applications, financial records, claims history, and supporting documents to evaluate risk exposure and eligibility.
• Approve, modify, or decline insurance applications based on underwriting guidelines, company policies, and risk appetite.
• Assess risk factors and determine appropriate premiums, coverage limits, deductibles, and policy terms.
• Develop suitable insurance coverage solutions, including endorsements, exclusions, and policy conditions.
• Coordinate with agents, brokers, and clients to obtain required information, resolve discrepancies, and communicate underwriting decisions.
• Work closely with claims teams, risk analysts, and other departments to ensure accurate underwriting and policy issuance.
• Ensure underwriting practices comply with US insurance regulations and internal company standards.
• Maintain accurate underwriting records, reports, and policy documentation.
• Monitor existing accounts, review policy renewals, analyze claims trends, and recommend risk adjustments when necessary.

Skills

Underwriting experience (2-3 years)

Analytical thinking

Detail-oriented

Education

Bachelor's degree in Business, Finance, Economics, or a related field

Job description

Job Summary

We are looking for a detailoriented and analytical US Insurance Underwriter to assess and evaluate insurance risks for businesses and individuals. The role involves reviewing applications, analyzing risk factors, determining coverage terms, and ensuring policies align with underwriting guidelines and regulatory standards. This position supports US operations and requires working night shifts.

Responsibilities

• Review insurance applications, financial records, claims history, and supporting documents to evaluate risk exposure and eligibility.
• Approve, modify, or decline insurance applications based on underwriting guidelines, company policies, and risk appetite.
• Assess risk factors and determine appropriate premiums, coverage limits, deductibles, and policy terms.
• Develop suitable insurance coverage solutions, including endorsements, exclusions, and policy conditions.
• Coordinate with agents, brokers, and clients to obtain required information, resolve discrepancies, and communicate underwriting decisions.
• Work closely with claims teams, risk analysts, and other departments to ensure accurate underwriting and policy issuance.
• Ensure underwriting practices comply with US insurance regulations and internal company standards.
• Maintain accurate underwriting records, reports, and policy documentation.
• Monitor existing accounts, review policy renewals, analyze claims trends, and recommend risk adjustments when necessary.

Requirements

• Bachelor's degree in Business, Finance, Economics, or a related field
• 2-3 years of underwriting experience preferred
• Experience in commercial or general insurance underwriting is an advantage
• Professional certifications such as CPCU or AU are a plus