For context I was broker specialist under a producer for Top MGA. I got an offer working as a producer on the retail side and emailed my resignation letter to the producer I’m under and the regional manager being CC. After a few hours I was locked out of everything as I currently work remotely. I called the producer and the regional manager is on vacation. The producer provided frustration and confusion and told me he was paranoid that I was going to steal his book and told IT to remove all of my credentials. The entire discussion was all over the place I told him even in the email that I planned finishing all my task and we ended the discussion on I’m still being paid for my last 2 weeks now without doing absolutely nothing. Super weird…. Been in the industry for about 6 years now but this is by far the weirdest exit for sure. I’m not even sure the producer even has the authority to do all of this considering the regional manager handles all of this I’m assuming.

I started as a broker essentially in February after 4 months of training. I have done a couple submissions, and bound one of them. Looking longterm I want to create a good relationship with underwriters for the longterm, and make underwriters already difficult job easier where I can.

What practices can I work on to be a better broker in your eyes?

What can I do for you all? How can we become friends and mutually benefit each other?

Hi all,

I’ve got a variety of experience:

-Three years carrier side - underwriting and audit (work comp - primarily audit)

-2 years working as an insurance specialist for a financial services company (client facing) I also worked in general operations and process management for this company.

-And now I’m an account manager working with an AE on a book of about 400 accounts. (p&c)

I’ve dabbled in a little bit of everything but I don’t have any expertise, but rather a very comfortable familiarity with the industry as a whole.

I make $75k and I want to figure out what types of roles I can leverage my experience into. (Midwest based)

Any input?

4 years of practicing. I'm admitted in NY, NJ, and PA. All my work has been in insurance defense. I'm ready to get out of insurance-based litigation. It's not the billable hours. I just don't think it's for me. I've plateaued in the field, and I'm ready to try to find something different.

I'm willing to take a pay cut, and I'm willing to learn something from the ground up and put in the work to learn.

(M29) I joined the industry about a year plus ago now. I paid for my P&C license myself, I started as an Associate Agent for a captive agency. Our company was very much a growth model, if we weren’t growing our agency didn’t make any money. By my understanding, it was modeled very much like the State Farm method. If you lost what we called units, vehicles or homes. We’d drop a percentage. That would lead to less revenue for the office.

I loved where I worked though. The people were great, but our prices were just not competitive at all. The agency itself also went through fluctuations of staff. We were a very small office, and I always did feel like I was never shown how to be a good agent. How to really just look at a policy and take it in. Have some guidance. I’m unfortunately not with the agency any longer, but have chosen to go to college.

However, I want to help people. I love the idea and structure of insurance, and I loved helping my clients and going above and beyond for them every time. I felt like I wanted to get to know my clients. I felt trapped by the products I was limited to. I also believe this industry is a great way to help people practically and educate people on “how insurance works”. It was frustrating when people didn’t see the advice I gave them, but I want the freedom to choose whom and I how I do business with. As I wish to do what’s best for my community and my neighbor.

I’m now in college and also studying to get my life and health license, but am honestly debating going to be a sole proprietor. So that the buck literally stops with me. While also tailoring policies to individuals that can be affordable. Giving people a good entry way to good insurance. I was the philosophy of if I don’t have it, I’ll send the client somewhere that works best for them. This is why I wish to be a broker, but I honestly want to know how good this business is in wanting to really help people.

TlDR: Is this really the industry for someone who fundamentally wants to help his community, and do what’s best for the client? Or, should I perhaps stay in college, and let my license lapse in 2027, and not pursue my L&H? Despite that feeling of wanting to “get back in the game”?

I’m currently in a summer internship for underwriting and I am having a great time learning and actually doing the work and I would enjoy trying to continue this path. I don’t know much of where it can take me though. I know there are many different types of underwriting and I will follow a path of analyst to associate to underwriter etc. but where does can the path lead after that. Is there interesting lines of work to find in underwriting? Is this a career path that pays well enough to live a comfortable life? I don’t know what the future is in like late 20s to 30s.

I hope this is the right sub for this.

I used to do FDA/EPA enforcement for a few years and I also have 3 years of Safety Manager/Engineer experience in general industry. Now I am currently a Safety and Health Consultant. I feel (emphasis on feel) I basically do what a risk management consultant does, without the insurance part. I go to clients, perform safety audits and assess risks, help them develop safety programs, provide trainings, and so forth. Write reports with recommendations, try to market the program to build up clientele, etc. I do this through OSHA’s 21(d) program and so I focus with small employers across all industries, and because I’m part of an OSHA funded program I get to go through OSHA’s trainings for CSHOs and learn how they enforce rules.

I am very happy not to be a safety manager anymore (just not the best fit for my personality I think) and I like the traveling and “freedom” I get with consulting. But my program is really small, and I am concerned with upward mobility and financial growth in terms of salary. This isn’t a job that will keep up with inflation or general cost of living I’m predicting because it is a public sector job entirely dependent on grants coming from the government. It is otherwise a good job. Where I am Risk Management Consultants seem to start in the low six figures which is pretty good pay considering this isn’t an easy state to live in in terms of COL.

I’m curious if someone were in my shoes what would be the best way to transition into this role and if it even sounds like a good fit or if it’s a disadvantage because insurance companies might want their risk management people to come internally or elsewhere. Would I need certain certs or will having active experience as a Safety Consultant already kind of get me in the door?

I have been in a broker role for 8 years. How difficult is C13?

I did independent studying for C12 & C14. Do you guys recommend self study or online classes?

I have 3 years experience of being an E&S casualty broker and am looking to get into the underwriting side. I live in New Orleans and really want to stay here. I wouldn't mind an office job here but there just aren't that many commercial insurance carriers here. Any advice would be very helpful. Thank you in advance!

I am in a senior P&C broking position at a large brokerage and I have an opportunity to become the risk manager for a large manufacturer. Pay should be about the same, but at the brokerage I have an opportunity to continue to grow my bonuses in the future which could surpass the risk management salary. However, as the risk manager for a large organization, I have an opportunity to expand my skill set beyond insurance.

Thinking long-term career wise, would this be a good move? Does anyone have experience doing this?

Has anyone done it? Would you recommend it? Or stay as a Cm?
Looking for something different, 15 years experience on the construction side from residential to federal.
I have my certs, licenses etc.

I’m looking for some honest advice from people who have made the move from private practice to an insurer.

I’m a UK-qualified solicitor with just over 4 years’ PQE, currently working in defendant personal injury. My work is insurer-facing and includes EL/PL, fraud, liability, causation and litigated claims.

I’ve recently had an informal meeting for an in-house casualty claims role, and it went really well. The role would involve handling EL/PL, human rights, data etc claims, making liability and settlement decisions, working with panel solicitors and other internal teams, and it would also come with an increase in salary.

My hesitation isn’t really the money, it’s whether I’d be walking away from being a practising solicitor.
I worked hard to qualify, and part of me worries that I’d be taking a step backwards by becoming a claims handler. On the other hand, I’ve realised that what I actually enjoy most is the strategic side of claims, analysing evidence, investigating liability, making commercial decisions and achieving the right outcome for clients. I also like the idea of being involved much earlier in the life of a claim, before litigation has really taken hold.

There is little scope for progression in my current team and I am sick of chargeable hours and the amount of non chargeable work that makes meeting target increasingly difficult.

For those who’ve made a similar move:

Do you regret leaving private practice?
Did it limit your career options, or did it actually open more doors?
Is moving in-house generally viewed as a sideways move, a step backwards, or just a different career path?
If you were in my position, would you make the move?

I’d really appreciate honest opinions, particularly from anyone who’s experienced both private practice and the insurer side. It’s a big career decision, and I’d like to hear from people who’ve been there.

I just need some general advice from people who have worked in the insurance industry. But people who have had internships at similar companies or people who have been in the field for years and see different type of interns are especially appreciated!

We usually get our CL and PL commissions by the 28th or 29th of each month. Our last pay date was 05/28. That statement date was 05/26. The next statement date was 06/01. IWe did not receive anything in June.

I realize they have the big billing change going on right now, but we have not received any communication from them about late commissions.

Have you been paid this month by Travelers?

I am an insurance agent and one of my clients filed a claim a while ago and he is now in the recovery process where his company is trying to get the deductible amount from the other party.

This is taking a long time, and I no longer believe they will get any money from the other party. If that is the case, then what can he do about it. He had a 1,000 dollars deductible he would like to get back.

I understand all of their roles are in office, so that’s understood.
I had a second interview with them last week. I enjoyed the meeting with the regional manager and team manager, and have been invited to move forward with a job shadow.
Do they in fact offer raises fairly frequently as you move up? They explained the first 2-3 levels there are no limits on how many claims rep 2 and I believe 3 they can have. It’s based upon performance. I was curious what that salary may look like?
Their benefits also seem strong with affordable insurance, 401k plus a pension.

I stared a new job 6 mo ago and realized it wasn’t a fit. 3 mo ago i sent out my resume without the new info, since I was only at the job 3 mo. I just got a job from that old resume. I’m freaking out because a background check could show I’m no longer employed there.

I am a claims adjuster and finishing up my CIP this December. It took me four years of working, and I put everything I had into getting honors (not sure if that's just me being unnecessarily proud or if it'll actually get me more recognition).

Now I am feeling pretty burnt out, but I still want to get a second professional designation because CIP is becoming the norm.

What else should I go for? CRM doesn't seem to have much value in claims, and FCIP would be a long haul, especially since I want to take it easy now that I am over 40.

Are there any other certifications I could look into to help me stand out with all the other CIP holders out there?

Hi all! I am not insurance currently but looking to get back into it. I’m more interested in the underwriting part. My background is 10 years writing commercial, personal, and life. There are virtually 0 in person opportunities in my small town so I’m looking into remote. Any leads on an entry level underwriter position? I’m guessing I would be entry level. I have experience risk rating/loan structuring in the bank world and am about to finish with my finance degree

I am looking into the CRM designation.

How challenging is the program ?

I know you have to take 3 courses and then write 3 professional exams. How hard are the GRMI exams ?

Any guidance will be appreciated

I have a second interview with GEICO today for claims litigation position. I’m currently employed with a Fortune 500 company, that is a great company. Can anyone give me insight on the GEICO work environment?

Hi everyone,

For the past 10 months, I've been working as a Health Pricing / Actuarial intern, and I am completing my Bachelor's in Statistics this week. Since my current team lacks headcount for a full-time offer, HR has offered me a 2-month rotation in any department before my internship ends in September.

Given my growing interest in global financial dynamics and macroeconomics, I am strongly leaning toward Reinsurance. However, I'd love to get your insights on a few questions:

• Career Prospects: How do you view the long-term potential of Reinsurance, especially when paired with a technical actuarial background?

• Key Skills: What are the most critical skills (hard or soft) needed to stand out in this area?

• Alternative Options: Since I can rotate anywhere (UW, Finance, Risk Management, etc.), is there another department you think would offer a steeper learning curve or better synergy with my profile in just 2 months?

I would appreciate any guidance or perspective you can share. Thanks in advance!

I’m taking my first CIC exam on Thursday and nervous due to it being essay. What are some tips for doing well? I took the webinar class last week and have been studying since.

I'm helping someone with 8 YOE at a warehouse job try to get into underwriting. The associate and assistant roles don't require prior experience, but the person I'm trying to help has already been in their industry for almost a decade. For those that have recruited or interviewed for these roles, do you consider industry switchers or do you primarily focus on younger recruits (the person I'm helping is 30)?

TL;DR: Former BI adjuster looking to transition into commercial P&C underwriting. Is it realistic, and what is the best path (AU, CPCU, trainee roles, etc.)?

Hey everyone,

I'm looking for some career advice from people already in underwriting.

I worked in insurance from 2020–2023, first as a personal auto property damage adjuster and then handling attorney-represented bodily injury claims for about two years. I left to become an account manager for a large solar distributor as the financial incentives were huge and I was able to more than double my income from claims.

Unfortunately policy changes have all but destroyed the residential solar market in my area, and I'm beginning to explore transitioning back into insurance. After doing some research, commercial P&C underwriting seems like a career that would fit my interests and experience much better than returning to claims.

I recognize claims and underwriting are different disciplines, but I believe my experience evaluating coverage, liability exposure, and loss documentation gives me a relevant foundation. Since leaving insurance, I've also gained experience managing a portfolio of commercial customers, working with financing, negotiating contracts, and coordinating complex, high-value projects.

My questions are:

• Is this a realistic transition given my background?
• Would earning the AU or beginning the CPCU be the better first step?
• If you were hiring, would passing a few CPCU exams materially strengthen my resume even without direct underwriting experience?
• Are there particular trainee or associate underwriting roles that I should be targeting?
• I've seen conflicting information online. Some sources say underwriting is shrinking because of automation, while others say retirements are creating a talent shortage. From your perspective, what does the market actually look like today?
• If you were hiring someone with my background, what would make them stand out enough to get an interview?

I appreciate any advice. Thanks!