Insurance writer vs commercial lines underwriter

The differences between insurance writers and commercial lines underwriters can be seen in a few details. Each job has different responsibilities and duties. Additionally, a commercial lines underwriter has an average salary of $67,892, which is higher than the $35,740 average annual salary of an insurance writer.

Insurance writer vs commercial lines underwriter overview

	Insurance Writer	Commercial Lines Underwriter
Yearly salary	$35,740	$67,892
Hourly rate	$17.18	$32.64
Growth rate	-4%	-4%
Number of jobs	46,566	33,047
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 65%	Bachelor's Degree, 77%
Average age	44	44
Years of experience	-	-

Insurance writer vs commercial lines underwriter salary

Insurance writers and commercial lines underwriters have different pay scales, as shown below.

	Insurance Writer	Commercial Lines Underwriter
Average salary	$35,740	$67,892
Salary range	Between $27,000 And $46,000	Between $44,000 And $104,000
Highest paying City	-	-
Highest paying state	-	-
Best paying company	-	-
Best paying industry	-	-

Differences between insurance writer and commercial lines underwriter education

There are a few differences between an insurance writer and a commercial lines underwriter in terms of educational background:

	Insurance Writer	Commercial Lines Underwriter
Most common degree	Bachelor's Degree, 65%	Bachelor's Degree, 77%
Most common major	Business	Business
Most common college	University of Pennsylvania	University of Pennsylvania

Insurance writer vs commercial lines underwriter demographics

Here are the differences between insurance writers' and commercial lines underwriters' demographics:

	Insurance Writer	Commercial Lines Underwriter
Average age	44	44
Gender ratio	Male, 41.9% Female, 58.1%	Male, 43.1% Female, 56.9%
Race ratio	Black or African American, 6.7% Unknown, 2.3% Hispanic or Latino, 6.8% Asian, 4.7% White, 79.1% American Indian and Alaska Native, 0.4%	Black or African American, 9.2% Unknown, 2.5% Hispanic or Latino, 10.1% Asian, 5.8% White, 72.1% American Indian and Alaska Native, 0.4%
LGBT Percentage	9%	9%

Differences between insurance writer and commercial lines underwriter duties and responsibilities

Insurance writer example responsibilities.

Cold-Cal to generate leads for individual life and disability insurance and annuities.
Examine highly sensitive and confidential patient information while maintaining HIPAA compliance.
Examine highly sensitive and confidential patient information while remaining HIPAA compliant.
Cold-Cal to generate leads for individual life and disability insurance and annuities.
Dispruse insurance claim money to customers as repairs are done to their home.
Gather, times, dates, receipts, and photos of damage home and after repairs are done.

Commercial lines underwriter example responsibilities.

Review individual mortgage origination/post origination documentation and perform database research.
Review individual mortgage origination/post origination documentation and perform database research.

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Insurance Writer vs Commercial Lines Underwriter

Updated January 8, 2025

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