These underwriters usually have the authority to underwrite risks and determine an appropriate rating without consulting the home office. Computer knowledge is essential. New employees usually start as underwriter trainees or assistant underwriters. They may help collect information on applicants and evaluate routine applications under the supervision of an experienced risk analyst. Property and casualty trainees study claim files to become familiar with factors associated with certain types of losses.
Many larger insurers offer work-study training programs, lasting from a few months to a year.
As trainees gain experience, they are assigned policy applications that are more complex and cover greater risks. These require the use of computers for more efficient analysis and processing. Continuing education is necessary for advancement. Independent study programs for experienced property and casualty underwriters are also available. To earn the AU designation, underwriters complete a series of courses and examinations that generally last 2 years.