Associate Underwriter

Kinsale Insurance; Richmond (VA); On-site; USD 65,000 - 80,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

HSA contributions

PTO

Holidays

Job summary

Kinsale Insurance invites recent graduates and career changers to join as Associate Underwriter in Richmond, VA. You’ll learn underwriting through practical analysis, working with experienced mentors, and handling commercial submissions to assess risk and profitability.

The role emphasizes data-driven decisions, collaboration, and growth, with access to advanced tools and ongoing training in insurance products and coverage solutions.

Qualifications

• Bachelor’s degree or equivalent experience preferred.
• Strong analytical, organizational, and communication skills.
• Proficiency in Excel, Outlook, Word, and data-driven decision-making tools.
• A team-oriented, entrepreneurial mindset with curiosity and initiative.
• Prior experience or internships demonstrating sound judgment, quantitative ability, and growth potential.
• Aptitude for leveraging AI tools and emerging technologies to enhance productivity and decision-making.
• Advanced Excel skills (PivotTables, VLOOKUPs) and negotiation experience are a plus.

Responsibilities

• Analyze and evaluate commercial insurance submissions to assess risk and profitability.
• Collaborate with senior underwriters and management on account strategies and recommendations.
• Build relationships with producers and brokers through communication and marketing efforts.
• Reviewing and classifying risks, determining appropriate coverage, rates, and premiums.
• Contributing to innovation, helping develop new products, forms, and coverage solutions.
• Monitor performance metrics to ensure production goals and profitability.

Skills

Analytical

Organizational

Communication

AI tools familiarity

Team orientation

Growth potential

Education

Bachelor's degree

Tools

Excel

Outlook

Word

Job description

Are you a recent college graduate or career changer ready to build a rewarding future in insurance? Join Kinsale Insurance, a leading excess and surplus (E&S) lines carrier headquartered in Richmond, VA. We’re known for our high-quality, high-touch approach and our innovative, personalized solutions that help clients manage complex risks.

At Kinsale, we believe in empowering our people. Every member of our team takes ownership of their work, makes meaningful decisions, and contributes to our continued growth and success — all from our new, state-of-the-art office in Richmond.

About the Role

As an Associate Underwriter, you’ll start on the ground floor of an exciting, analytical, and fast-paced profession. Underwriting blends research, data analysis, and decision-making to evaluate risks and shape business outcomes. You’ll work alongside experienced professionals who will train and mentor you — no prior underwriting experience required.

What You’ll Do

A typical day in this role might include:

• Analyzing and evaluating commercial insurance submissions to assess risk and ensure profitability.
• Collaborating with senior underwriters and management on account strategies and recommendations.
• Building relationships with producers and brokers through communication and marketing efforts.
• Reviewing and classifying risks, determining appropriate coverage, rates, and premiums.
• Contributing to innovation, helping develop new products, forms, and coverage solutions.
• Monitoring performance metrics to ensure production goals and profitability are met.

Each day offers new challenges, learning opportunities, and the satisfaction of making informed, impactful business decisions.

What You Bring

• Bachelor’s degree or equivalent experience preferred.
• Strong analytical, organizational, and communication skills.
• Proficiency in Excel, Outlook, Word, and data-driven decision-making tools.
• A team-oriented, entrepreneurial mindset with curiosity and initiative.
• Prior experience or internships demonstrating sound judgment, quantitative ability, and growth potential.
• Aptitude for leveraging AI tools and emerging technologies to enhance productivity and decision-making.
• Advanced Excel skills (PivotTables, VLOOKUPs) and negotiation experience are a plus.

Why You’ll Love Working at Kinsale

• Competitive Pay & Bonus Opportunities – Rewarding performance and initiative.
• Comprehensive Benefits – Health, dental, and vision insurance with up to $3,600 (individual) or $7,000 (family) in HSA contributions per year.
• Work-Life Balance – Generous paid time off including 22 days of PTO and 10 paid company holidays.
• Career Growth – Clear promotion paths, mentorship, and ongoing professional development.
• Retirement & Security – Up to 6% matching 401(k) contributions on base salary and bonus, standard life insurance, and disability coverage.
• Continuous Learning – Annual $3,000 reimbursement for educational training and certifications.

Integrity & Responsibility

Kinsale values strong financial responsibility. A credit check will be conducted as a part of the selection process for roles that require sound judgement, trustworthiness, or access to sensitive information.

Salary Range:

$65,000 - $80,000

This posted range is our best estimate; starting salaries may vary. Additionally, the posted range reflects only base salary and does not include annual bonuses, benefits, or reimbursements.