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Property underwriter skills for your resume and career

Updated January 8, 2025

2 min read

Quoted experts

Janet Ruiz,

Robert Hoyt, Ph.D.

Below we've compiled a list of the most critical property underwriter skills. We ranked the top skills for property underwriters based on the percentage of resumes they appeared on. For example, 11.0% of property underwriter resumes contained cpcu as a skill. Continue reading to find out what skills a property underwriter needs to be successful in the workplace.

15 property underwriter skills for your resume and career

1. CPCU

Here's how property underwriters use cpcu:

Assisted in improving co-workers professionalism and presentation skills through encouraging participation in industry education (CPCU and Toastmasters).
Learned the basics of underwriting through on-the-job training, formal classes, and studying for and obtaining CPCU certification.

2. Underwriting Guidelines

Underwriting guidelines are a set of rules and requirements an insurer provides to its agents and underwriters. The underwriter then uses these instructions to judge the prospective insured, whether to accept, modify or reject it. These guidelines help the insurers set the criteria for the customer and let them know the amount of money that should be offered to the client, or whether not to offer an insurance policy in the first place.

Here's how property underwriters use underwriting guidelines:

Collaborate with carrier and management for implementation of underwriting guidelines while overseeing roll-over book of business and generating new business growth.
Analyzed claim data to make modifications to internal underwriting guidelines to ensure growth and profitability in new and maturing markets.

3. Insurance Coverage

Here's how property underwriters use insurance coverage:

Determine ACV and update coverage amount accordingly for proper insurance/co-insurance coverage
Acquire and/or retain reinsurance coverage through facultative or treaty arrangements.

4. Insurance Laws

Here's how property underwriters use insurance laws:

Lead underwriting decisions while administering rules and guidelines, insurance laws and regulations and rating manual rules.
Required extensive knowledge of state specific rules and Department of Insurance laws.

5. Broker Relationships

Here's how property underwriters use broker relationships:

Developed and maintaining agency and broker relationships.
Maintained strong broker relationships to help build the business.

6. Commercial Property

Here's how property underwriters use commercial property:

Underwrite and negotiate renewal business with the focus on Commercial Property and General Liability.
Analyzed risk factors of extending commercial property and casualty insurance to multinational clients.

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7. Property Insurance

Here's how property underwriters use property insurance:

Answer property insurance policy questions, occasionally answer overflow calls for auto insurance.
Processed all Property Insurance renewals.

8. Profitable Growth

Here's how property underwriters use profitable growth:

Utilize marketing tools to continue profitable growth* Maintain Continuing Education Requirements According to Kansas and Iowa Regulations
Worked closely with agency principles, field reps & local management to profitable growth & retention of the books.

9. Insurance Products

Here's how property underwriters use insurance products:

Marketed Property Facultative Reinsurance products in a 10 state Midwest territory.
Selected Accomplishments: * Completed INS 21,22 and 23 * Team lead on new insurance products and database platform launch.

10. Financial Analysis

Here's how property underwriters use financial analysis:

Performed financial analysis of current business and new business prospects.
Performed financial analysis, assessed non-financial areas within a credit relationship, evaluated credit risk and recommended appropriate loan structuring.

11. Loss Control

Loss control is a set of measures taken by a financial expert or organization to reduce insurance policy losses. A financial expert will assess and analyze a property for signs of damage and develop loss control measures to mitigate potential risks. The aim of loss control is risk management and saving company assets from future losses.

Here's how property underwriters use loss control:

Advised agents and policyholders on company policies regarding loss mitigation and loss control.
Attended and successfully completed specific Field Underwriting core courses on claims, loss control and basic insurance principles.

12. Business Development

Business development is the ideas or initiatives that work to make business work better. Selling, advertising, product development, supply chain management, and vendor management are only a few of the divisions involved with it. There is still a lot of networking, negotiating, forming alliances, and trying to save money. The goals set for business development guide and coordinate with all of these various operations and sectors.

Here's how property underwriters use business development:

Conducted agency visits to develop and manage relationships including new business development and retention of existing business.
Partnered with Business Development Managers and Underwriting Manager on agency planning and goal-setting.

13. Underwriting Authority

Here's how property underwriters use underwriting authority:

Determine the acceptability of submitted new business and renewal Property & Casualty insurance policies by using company guidelines and underwriting authority.
Established marketing & sales procedures for a new insurance program of this mass marketer with company underwriting authority.

14. Risk Selection

Here's how property underwriters use risk selection:

Underwrite risk selection for Automobile, Homeowners, Rental Dwellings, Personal Article Floater, Umbrellas and Marine.
Developed book of business from $700k to $4M annually through commercial risk selection decisions.

15. Loss Ratio

Loss ratio is a term used in the insurance industry to represent the ratio of losses to earned premiums. The formula stands for adjustment expenses plus insurance claims divided by the total premiums.

Here's how property underwriters use loss ratio:

Implemented judgment reviewing catastrophe-driven non-admitted exposures to below 20% loss ratio.
Trained insurance intermediaries on Insurance and underwriting; improved the portfolio loss ratio from 70% to 50%.

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What skills help Property Underwriters find jobs?

Tell us what job you are looking for, we’ll show you what skills employers want.

What type of skills will young property underwriters need?

Janet Ruiz

Director – Strategic Communication, Insurance Information Institute

The mathematical mind, meet the meaningful purpose (Liberty Mutual). Underwriters are the heart of the insurance process, gathering and researching pertinent information and then, using finely tuned analytical skills to evaluate the acceptability of business and institutional risk. Underwriters are more than just analysts - they are the core relationship builders with agents and clients. They are responsible for managing a profitable portfolio of business by distributing agents and brokers. An underwriting career includes a dynamic blend of analytical and marketing skills. Research, Analytics, Communications, Relationship Building, Marketing.

What technical skills for a property underwriter stand out to employers?

Robert Hoyt, Ph.D.

Department Head and Dudley L. Moore Jr. Chair of Insurance, University of Georgia

The ability to collect information, work with data, and translate this into insights and knowledge is key in insurance going forward. An important focus in our classes is helping students apply what they are learning to real business situations through projects that are often carried out in teams. The growth of digital strategies in insurance means that emerging graduates are excited by and embrace the use and application of such approaches. However, the ability to engage with people to assist them in managing their personal or business risks is what matters most in this business. At the end of the day, building relationships and trust are the key in insurance.

Do you want to know more?

List of property underwriter skills to add to your resume

The most important skills for a property underwriter resume and required skills for a property underwriter to have include:

CPCU
Underwriting Guidelines
Insurance Coverage
Insurance Laws
Broker Relationships
Commercial Property
Property Insurance
Profitable Growth
Insurance Products
Financial Analysis
Loss Control

Business Development
Underwriting Authority
Risk Selection
Loss Ratio
Wholesale Brokers
Surplus Lines
Inspection Reports
HPR
General Liability
Underwriting Decisions
Corporate Risk

Insurance Policies
Insurance Applications
Profitable Book
Loss History
Policy Holders
Earthquake
Policy Changes
MGA
RMS
Business Applications
State Regulations

Updated January 8, 2025

Zippia Team

Editorial Staff

The Zippia Research Team has spent countless hours reviewing resumes, job postings, and government data to determine what goes into getting a job in each phase of life. Professional writers and data scientists comprise the Zippia Research Team.

Updated January 8, 2025

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