Underwriter

Mercury Insurance; United States; On-site; USD 45,000 - 78,000; Full time

Benefits offered by this job

Competitive compensation

Work from anywhere in the UnitedStates

Paid time off

Bonus programs

Health insurance

401(k) retirement savings with company

Job summary

Mercury Insurance is seeking a Personal Lines Underwriter to analyze new and existing policies, accept or modify coverage, and establish premiums in line with company guidelines and state laws. This role emphasizes risk assessment, relationship-building with agents, and ongoing underwriting knowledge updates.

The position offers state-specific pay ranges with nationwide remote flexibility; typical hiring ranges and compensation are provided, and a supportive team culture with growth

Qualifications

• Bachelor’s Degree or equivalent combination of education and/or experience.
• 6 months related underwriting experience and formal underwriting training.

Responsibilities

• Obtains and utilizes information to evaluate personal lines risk and determine acceptability.
• Reviews endorsements, renewals and other information to re-evaluate risk and premium.
• Influences sales by providing exceptional service and building relationships with agents.
• Keeps abreast of underwriting developments and industry changes to improve pricing and underwriting.
• Participates as a project team member and contributes to overall objectives.
• Regular attendance on a full-time schedule (8 hours 40 hours per week).

Skills

Communication skills

Underwriting knowledge

Data analysis

Attention to detail

Organization

Listening skills

Education

Bachelor’s Degree or equivalent

Job description

Join an amazing team that is consistently recognized for our achievements and culture, including our most recent Forbes award of being one of America's Best Midsize Employers for 2026!

Position Summary

Analyzes new and existing personal lines business to evaluate degree of risk and potential exposure; accepts, rejects, or modifies coverage; underwrites policies and establishes appropriate premiums according to underwriting authority and guidelines as provided under Company Policies and in compliance with current legislation.

Geo-Salary Information

State specific pay scales for this role are as follows:

• $44,466 to $77,881 (NJ, NY, WA, HI, AK, MD, CT, RI, MA)
• $40,424 to $70,801 (NV, OR, AZ, CO, WY, TX, ND, MN, MO, IL, WI, FL, GA, MI, OH, VA, PA, DE, VT, NH, ME)
• $36,381 to $63,721 (UT, ID, MT, NM, SD, NE, KS, OK, IA, AR, LA, MS, AL, TN, KY, IN, SC, NC, WV)
• In CA: Typical hiring range is $55,056.15 to $67,290.85

The expected base salary for this position will vary depending on a number of factors, including relevant experience, skills and location.

An in-person interview may be required during the hiring process

Responsibilities

Essential Job Functions:

• Obtains and utilizes pertinent information such as inspection reports, motor vehicle reports, photographs, comprehensive loss reports, registration information, and other third party data to evaluate a personal lines risk and determine acceptability. Reviews endorsements, renewals and other information for existing accounts and re-evaluates the policy in order to determine changes in risk, premium or acceptability per Company guidelines. Ensures accurate and timely processing of updates.
• Influences sales by providing exceptional service and building strong relationships with agents. Helps manage the sales process through assisting agents in placing new business and retaining existing customers.
• Keeps abreast of underwriting developments, products and changes within the Company as well as the industry. Identify opportunities where the Company can position itself more competitively in the marketplace and make significant improvements in pricing and underwriting.
• Participates as a project team member where duties may include: contributing to overall project objectives, completing individual deliverables and providing expertise.
• Other duties as assigned by Leader.
• Regular attendance at work on a full-time schedule of at least 8 hours and 40 hours per week.

Education

Qualifications

• Bachelor’s Degree required
• Or equivalent combination of education and/or experience

Experience

• 6 months related experience and formal underwriting training

Knowledge And Skills

• Effective and diplomatic verbal and written communication skills to correspond with agents, insureds, marketing and claims personnel concerning policies, coverage, etc.
• Work is of moderate technical complexity, calling for general knowledge of underwriting standards, philosophy and practices.
• Ability to analyze complex data to assist in decision making.
• Requires independent judgment to make decisions beyond the scope of established guidelines and parameters of underwriting, having a moderate to significant impact on the Company in terms of costs, revenue, and customer and agent relations.
• Requires critical attention to detail and strong organizational skill.
• Effective listening skills.

About The Company

Why choose a career at Mercury? At Mercury, we have been guided by our purpose to help people reduce risk and overcome unexpected events for more than 60 years. We are one team with a common goal to help others. Everyone needs insurance and we can’t imagine a world without it. Our team will encourage you to grow, make time to have fun, and work together to make great things happen. We embrace the strengths and values of each team member. We believe in having diverse perspectives where everyone is included, to serve customers from all walks of life. We care about our people, and we mean it. We reward our talented professionals with a competitive salary, bonus potential, and a variety of benefits to help our team members reach their health, retirement, and professional goals. Learn more about us here: https://www.mercuryinsurance.com/about/careers

Perks And Benefits

• Competitive compensation
• Flexibility to work from anywhere in the United States for most positions
• Paid time off (vacation time, sick time, 9 paid Company holidays, volunteer hours)
• Incentive bonus programs (potential for holiday bonus, referral bonus, and performance-based bonus)
• Medical, dental, vision, life, and pet insurance
• 401 (k) retirement savings plan with company match
• Engaging work environment
• Promotional opportunities
• Education assistance
• Professional and personal development opportunities
• Company recognition program
• Health and wellbeing resources, including free mental wellbeing therapy/coaching sessions, child and eldercare resources, and more

Mercury Insurance is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by federal, state, or local law.

Pay Range

USD $44,466.00 - USD $77,881.00 /Yr.