Admitted Carrier
An Admitted Carrier is an insurance company that is licensed and regulated by a state's insurance department. These companies must follow strict state guidelines about their policies and prices. Think of them as "state-approved" insurance providers. When people see terms like "admitted carrier" or "standard carrier" on a resume, it means the person has experience working with these mainstream, highly regulated insurance companies, as opposed to non-admitted or surplus line carriers that handle more unusual risks.
Examples in Resumes
Managed relationships with Admitted Carrier partners across 5 states
Placed over $2M in premium with Admitted Carriers for home and auto insurance
Led training programs for agents on Admitted Carrier policy placement and compliance
Typical job title: "Insurance Underwriters"
Also try searching for:
Where to Find Insurance Underwriters
Professional Organizations
Job Boards
Professional Networks
Example Interview Questions
Senior Level Questions
Q: How do you handle complex risk assessments when working with admitted carriers?
Expected Answer: The candidate should explain their process for evaluating risks within state guidelines, understanding carrier appetites, and making informed decisions about policy placement while maintaining compliance with state regulations.
Q: Describe a situation where you had to choose between an admitted and non-admitted carrier for a client.
Expected Answer: Look for answers that show understanding of when standard market solutions are appropriate versus when excess and surplus lines might be needed, demonstrating knowledge of both markets.
Mid Level Questions
Q: What are the key differences between admitted and non-admitted carriers?
Expected Answer: Should explain that admitted carriers are state-regulated, offer standardized coverage, and are backed by state guaranty funds, while non-admitted carriers have more flexibility but less state protection.
Q: How do you stay current with state regulations affecting admitted carriers?
Expected Answer: Should mention specific methods like attending industry seminars, reading insurance bulletins, participating in continuing education, and following state insurance department updates.
Junior Level Questions
Q: What is an admitted carrier and why are they important?
Expected Answer: Should be able to explain that these are state-licensed insurance companies that follow strict regulations and provide standard coverage options with state backing.
Q: What basic documents do you need to review when working with admitted carriers?
Expected Answer: Should mention policy declarations, coverage forms, state filings, and basic underwriting guidelines that admitted carriers must file with the state.
Experience Level Indicators
Junior (0-2 years)
- Basic understanding of insurance policies
- Familiarity with state filing requirements
- Basic policy processing
- Customer service skills
Mid (2-5 years)
- Risk assessment and evaluation
- Understanding of state regulations
- Policy placement expertise
- Relationship management with carriers
Senior (5+ years)
- Complex risk management
- Strategic carrier relationships
- Team leadership
- Market analysis and trending
Red Flags to Watch For
- No knowledge of state insurance regulations
- Unfamiliarity with standard market operations
- Lack of understanding about policy forms and filings
- No experience with insurance compliance requirements
