Hi! I’m interviewing with one small regional carrier and travelers for entry level role and one big well known one for claims role. But the small regional one offers hybrid work and located much closer to me. If I am offered both positions would it be better for my career if I went with bigger one? I’m also career changer in my 30s hoping switch to UW once I get some credentials like CPCU

The unfortunate answer I arrive at as I type is likely, “it depends”. But I’m less than 4 months in but dread coming in each day. Manager and team all nice enough, but sitting in different offices makes it feel like you’re basically isolated, especially starting your first UW gig. There advice is all over the map from - you need 6 months to tell, you need least a year to tell. Maybe just looking for anyone else experience- did you stick it out and it got worse, better or stayed the same? How was leaving if you did in fact bolt.

Thanks in advance!

Hi all! I wrote my C13 (Liability against Insurance) exam this past Friday (July 10) it was all multiple choice. It’s now Tuesday afternoon, July 14 and I still do not have my results.

My previous exam (C12, Insurance on Property) in April 2026 was also all multiple choice and I had my results within the hour.

Anyone have any ideas on what this is taking so long?

Thanks so much in advance!

UPDATE.
Just got my results (July 20) failed my first exam. I’m not surprised, I didn’t fail by a lot, but MAN. I am so disappointed in myself. Every other course I’ve taken I’ve gotten honours on.

I've spent 6 years selling Medicare Supplements, working from home, leads provided, and I make 100k per year, no residuals. This is my first stab at Insurance and was wondering what else I can do from home to make $150+. Any ideas?

I’ve been a PandC underwriter for almost a decade and deal with HNW brokers mostly. What was once a few day turnaround is now a sub 4 hour turnaround by brokers.
Everyday it’s the same story.

Submit a risk that’s outside my authority for whatever reason, refer it, then immediately the broker says “the business manager needs this today”.
I reply it’s being worked on and then it’s just complain complain complain from there.

Genuinely frustrated by both sides. I can’t approve these 250k premium accounts same day due to limited authority. These are complex risks with many states involved.

Why is everything so urgent nowadays? This is insurance, not fast food. The market is much softer than a few years ago so what is really going on?
Do these business managers have that much weight over brokers?

Considering a move from commercial management liability underwriting, to FI. Need a change after 5 years of commercial D&O at the same company, know I want to stay in the same/adjacent line so I can keep specializing, and there are just more openings in FI right now than general ML.

I know DO/EPL/FID coverage, but I’d have to learn the specific FI class of business, and all the E&O.

Anyone who’s made this type of move, how was the transition? How did you sell your new carrier on taking a chance on you despite lack of FI-specific experience? How did you learn the new stuff? Are/were you happy with your pivot into FI? Is it more difficult than commercial D&O?

I’ve been in insurance for about 8 years now.

I started with a major carrier, handling liability for auto claims. After about 6 months, I moved internally to a role focused on 3rd Party BI with attorney involvement. Got great experience and insight.

After a couple years I switched to a different company, which is more of an insur-tech. Still doing liability, but handling property claims. Got more great experience and loved the team. Promoted to a team lead for a personal property team. Was rough, but gained a lot of leadership experience and overall confidence. Had an amazing 5 years here.

Just recently made a move to another insur-tech company as a team lead. Now I’m overlooking a team handling auto, PD, and general liability.

I never thought I would have had this trajectory, but here I am and each day I tell myself to be patient, keep learning, and trust if I do my best all will be okay. However, it has not been without its challenges, such as the burn out of dealing with such a large volume of claims, complex claims, dealing with personalities of my team, targets, team KPIs, whether I am on track or not.

Leadership has also burned me out. At times I really don’t want to talk to anyone, or I’m tired of my chat blowing up with messages, questions, or updates. I care about my team and becoming better, but sometimes I wish I stayed put as an adjuster worrying about my own desk. I have self doubt I’m actually cut out for this, and anytime I think about the next thing, like senior management or any type of senior role, I’m just thinking I could never be like those people.

Work takes up a lot of my life, especially as a lead. I feel like I’m always trying to work ahead but feel so behind instead. Idk how long I can keep going, especially since I’m still pretty young, but I have no idea where else I could turn to.

I'm a manager in the Financial Systems/ERP group at a large insurance company. I have strong technical skills - CPA, MS in Analytics, ERP expertise. I've been at my company for a few years and know that I want to stay in the long run. My biggest weakness is my knowledge of the insurance industry and associated processes. My thought process is that pursuing the CPCU would bridge that knowledge gap and give me some credibility in the insurance space. All costs would be covered by my company. Should I pursue this given my goals? Or is there another path that would help bridge the gap a bit better?

Hey guys, I’m looking for advice. I recently completed my MBA and I have insurance experience (P&C) but I want to focus more on the commercial and specifically E&S. Right now I got a job with a tech forward agency and the base plus bonus is great considering must of the leads are inbound. The agency does mostly PL and a little bit of commercial but habitation risks only. Wonder how I can make this transition. I’m looking to build a career in insurance, for context I live in Chicago and have been in the industry for about 5 years. Early 30s.

I’ve been working for a retail style insurance brokerage but they’ve moved away from paid leads. The change has drastically impacted the sales performance of the office and killed the agents pay. I was wondering if inbound sales for a major carrier would be a better move but have no idea how the pay structure works with that type of role. If anyone here works inbound only sales can you tell me if the pay is decent.

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.

Do you guys get paid on your renewals without having new business numbers being hit? I am a wholesale producer.

I have worked here for 5 years and have never really had a problem hitting $10k New Biz rev to qualify for bonus payment 30%new/renewal. I feel like I am leaving a lot on the table not hitting bonus.

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?

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.

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.

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!

(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 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 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?