Insurance Jobs Near Me Remote: Local Remote Opportunities
Remote work has changed what “near me” means. For many job seekers in the insurance industry, “near me” now refers to employers based nearby that offer remote roles, or local branches hiring remote employees who live in the same city, county, or state. If you want the flexibility of remote work but prefer a local employer—for tax reasons, community connection, or easier occasional in-person meetings—there are plenty of options. This guide walks you through the types of remote insurance jobs available locally, how much they pay, where to find them, what employers want, and concrete steps to land one.
Why Choose Remote Insurance Work?
The insurance industry has been a strong adopter of remote and hybrid roles. Many functions—claims processing, underwriting, customer service, sales, and analytics—can be done offsite with secure systems and proper communication. Here are several reasons candidates prefer remote insurance jobs:
Flexibility: Remote schedules can reduce commuting time and let you balance work with family or education. Even within insurance, roles such as customer service or claims adjusting often offer flexible shifts.
Broader opportunities: When you search for remote roles, you’re no longer limited to employers within driving distance. But if you prefer local employers, many national carriers and regional agencies post remote roles targeted to candidates within certain regions or states.
Cost savings: Remote work can reduce transportation, lunch, and wardrobe expenses. For many employees, that translates to several thousand dollars saved annually—roughly a $2,000–$5,000 difference depending on commute and city.
Career progression: Remote roles in insurance can still offer solid progression—specialize in claims, move into underwriting, transition to data analytics or leadership. Employers expect remote team members to be as engaged and accountable as onsite staff, which often accelerates skill development.
Common Remote Insurance Roles and Typical Pay
Below is a table of common insurance roles that frequently appear as remote opportunities, especially for local candidates. Salary ranges vary by location, company size, experience level, and whether the role includes commission or performance-based pay. The figures below represent typical U.S. ranges for 2025 market conditions.
| Role | Typical Salary Range (Annual, USD) | Median Salary (USD) | Remote-Friendliness |
|---|---|---|---|
| Customer Service Representative (Insurance) | $36,000 – $55,000 | $44,000 | High |
| Claims Adjuster / Examiner | $48,000 – $85,000 | $64,000 | High (some field visits) |
| Underwriter (Personal & Commercial) | $60,000 – $110,000 | $78,000 | High |
| Insurance Sales Agent / Producer | $35,000 – $150,000+ | $62,000 (base + commission) | High (commission-based) |
| Actuarial Analyst | $75,000 – $140,000 | $102,000 | Medium-High |
| Data Analyst / BI Specialist | $65,000 – $115,000 | $85,000 | High |
| Policy Service Representative | $40,000 – $62,000 | $50,000 | High |
| Implementation / Systems Specialist (P&C or Life systems) | $70,000 – $120,000 | $88,000 | High |
| Case Manager / Nurse Case Manager (Health Insurance) | $68,000 – $96,000 | $80,000 | Medium |
Note: Sales roles often include commission, variable bonuses, or overrides. A successful remote producer in a large metro can earn $150,000+ in high-demand niches like commercial lines or specialized life products.
How to Find “Insurance Jobs Near Me” That Are Remote
Searching for remote insurance jobs near you requires a mix of the big job boards, industry-specific sites, local networking, and filtering tools. Here’s a step-by-step approach to locating local remote opportunities:
1. Use precise filters on major job boards: On sites like LinkedIn, Indeed, and Glassdoor, use the “Remote” filter plus your city/state. Some postings are labeled “Remote — must reside in [state]” or “Remote — regionally preferred.” That helps you find roles with local payroll or niche licensing requirements.
2. Try remote-first job sites with geographic filters: Remote.co, We Work Remotely, and FlexJobs let you filter by “remote” and often include location requirements in the description. FlexJobs verifies listings—useful if you want to avoid scams.
3. Check local carriers and independent agencies: Large carriers like State Farm, Allstate, Progressive, and regional mutuals often post remote positions targeted to candidates within specific states. Independent agencies in your area may hire remote policy managers, service reps, or producers who live in the same metropolitan area.
4. Use industry-specific boards and associations: The National Association of Insurance Commissioners (NAIC), Big “I” (Independent Insurance Agents & Brokers of America), and state insurance associations host job boards or newsletter listings. Local chapters frequently list remote roles available to state residents because of licensing rules.
5. Tap recruiters and staffing firms that specialize in insurance: Specialized recruiters know which roles are remote but tied to local markets. They can match your profile to employers who prefer local candidates due to state licensing or in-person occasional visits.
6. Leverage LinkedIn for local remote leads: Set your job preferences to “Open to Remote Work” and include your city in your headline or summary. Recruiters search for candidates who are open to remote but also local for occasional onsite meetings or compliance reasons.
To make this easier, here’s a quick comparison table of popular job platforms and their features for finding local remote insurance roles:
| Platform | Local Filter? | Remote-Specific Listings? | Free? | Best Use |
|---|---|---|---|---|
| Yes (location + remote) | Yes | Yes (premium optional) | Networking + recruiter outreach; good for local remote professional roles | |
| Indeed | Yes | Yes | Yes | Large volume of listings; use “remote” + city filter |
| Glassdoor | Yes | Yes | Yes | Company reviews + salary insights |
| FlexJobs | Limited (employer notes location) | Yes (curated) | No (subscription) | Best for vetted remote roles and avoiding scams |
| Remote.co / We Work Remotely | No (mostly global) | Yes | Partial (paid features) | Great for fully remote jobs; less local filtering |
| Company Career Pages | Yes | Varies | Yes | Find local remote positions tied to state licensing or payroll |
| Industry Associations / State Boards | Yes | Sometimes | Yes | Use for local regulatory or agency roles |
Tip: Set up email alerts with keywords like “remote,” “work from home,” and your state name (e.g., “remote insurance New York”) to catch newly posted local remote opportunities.
Top Skills, Certifications, and Tools Employers Want
Remote insurance roles require both insurance domain expertise and remote work skills. Employers look for proven knowledge, relevant certifications, and the ability to use certain software reliably. Here’s a practical checklist of skills and certifications that increase your chances of landing a local remote job:
Core Insurance Skills
- Policy processing and endorsements
- Claims investigation and adjudication
- Underwriting for personal and commercial lines
- Sales and client acquisition (life, health, property-casualty)
- Knowledge of state-specific insurance regulations and licensing
Certifications and Licenses
- State Producer License (required for selling insurance) — e.g., Property & Casualty, Life & Health
- CPCU (Chartered Property Casualty Underwriter) — strong for underwriting and leadership
- AINS (Associate in General Insurance) — good for general knowledge
- CLU (Chartered Life Underwriter) — strong in life insurance sales and advising
- CAS (Casualty Actuarial Society) progress or SOA exams for actuaries
- Certified Insurance Service Representative (CISR) — useful for agency service roles
Remote Work and Productivity Skills
- Clear written communication—email, chat, and documentation
- Time management and self-motivation
- Experience with collaboration tools: Microsoft Teams, Zoom, Slack
- Security awareness: handling PII, multi-factor authentication, VPNs
- Basic troubleshooting and work-from-home tech setup
Software and Technical Tools
- Policy administration systems (e.g., Guidewire PolicyCenter, Duck Creek)
- Claims management platforms (e.g., ClaimCenter, CCC ONE)
- CRM systems (Salesforce, HubSpot)
- Data tools: Excel (advanced), SQL, Tableau, Power BI
- Document management and e-signature (DocuSign, SharePoint)
Employers appreciate candidates who can show how they used these skills to produce measurable outcomes—reduced claim cycle time, higher renewal rates, improved conversion metrics for quotes, or error reduction in policy processing.
Creating a Remote-Friendly Resume and Cover Letter
Your resume and cover letter should make it obvious you can do the job remotely and locally if needed. A good remote-friendly resume highlights outcomes, remote experience, local knowledge (licensing), and relevant tools. Here’s how to structure your materials.
Resume tips:
- Header: Include your city and state (e.g., “Chicago, IL — Open to remote work in IL”). That tells employers you are local and addresses state licensing needs.
- Summary: Two to three lines that include your role, years of experience, and a remote-friendly phrase (e.g., “Remote-first claims analyst with 6+ years optimizing workflows for regional carriers”).
- Experience bullets: Use achievement statements with metrics: “Reduced claims processing time by 27% through workflow redesign” or “Managed a book of 350 policies with a 92% renewal rate.”
- Tools and certifications: Put a short section listing policy systems, CRM, data tools, and state licenses (include license numbers if comfortable).
- Remote experience: Explicitly list remote or hybrid roles, describing how you maintained communication, met KPIs, and handled time zones or field coordination.
Cover letter tips:
- Address the hiring manager by name when possible; reference the local market if relevant (e.g., “I understand XYZ state’s unique personal auto environment”).
- Briefly explain why you want a remote role with a local employer—mentions of community commitment or licensing awareness help.
- Summarize a specific achievement and how it will translate to success in the posted role.
- Mention your home office setup and readiness to attend occasional in-person meetings if required (e.g., “I have a dedicated home office and can attend monthly site meetings in Boston”).
Example resume line for a claims role: “Senior Claims Adjuster (Remote) — Managed 250+ property claims annually, achieving a 15% reduction in average settlement time and saving the insurer approximately $540,000 in claim leakage.” That kind of specificity matters.
Interview Tips for Remote Insurance Positions
Remote interviews are often a mix of phone screens, video calls, and asynchronous tasks (e.g., written assessments). Preparing for the remote format and the insurance content will give you a strong advantage. Follow these practical tips:
Before the interview:
- Research the company: Know whether they operate regionally and what products they sell in your state. If the role is local-remote, understand state-specific regulations or common local exposures (e.g., hurricane season in Florida).
- Prepare a quiet, professional environment: Use a neutral background, test audio and camera, and ensure good lighting. Employers notice details—so a tidy background and reliable connectivity help.
- Have documentation ready: Keep your state licensing details, certifications, and references accessible. Some employers will request these during the interview process.
During the interview:
- Show how you manage remote work: Describe routines, communication methods, and tools you use to stay accountable. Example: “I use daily checklists in Asana, Monday standups via Teams, and biweekly one-on-ones with managers.”
- Use STAR stories: For behavioral questions, structure responses with Situation, Task, Action, and Result—especially for topics like cross-functional collaboration or handling complex claims.
- Ask local-focused questions: If the role is local-remote, ask about local regulatory touchpoints, in-person meeting frequency, and state-specific system access (e.g., “How often will I need to visit the regional office?”).
- Clarify expectations: Discuss KPIs—turnaround times, call metrics, policy accuracy rates, or production goals for sales roles. Ask how these are measured remotely.
After the interview:
- Send a concise thank-you email that references a specific point discussed and reiterates your local availability and remote-readiness.
- Be prepared for skills tests (Excel, policy system demos) and provide requested documentation quickly to keep the process moving.
Getting Local While Remote: Networking and Advantages
Even when working remotely, maintaining local ties brings advantages—opportunities for referrals, in-person client meetings, and knowledge about local market trends. Here are ways to stay connected and use your local status as an asset.
Join local industry chapters: Attend state Big “I” meetings, chapter luncheons, or NAIC events that include local regulators and carriers. Small networking events often lead to job referrals, especially for roles where employers prefer to hire local candidates.
Volunteer for local committees or outreach: Offer to conduct a webinar for your local chamber of commerce about insurance basics, or volunteer to help a nonprofit with insurance procurement. That raises your profile and demonstrates community commitment.
Talk to local recruiters: Recruiters servicing the insurance market in your city know which companies prefer local remote hires. Keep your profile updated and let them know you prefer remote roles from local employers.
Attend hybrid events: Many conferences and training events offer both virtual and in-person tracks. Attend the in-person day when feasible—it’s a strong way to build relationships while keeping remote flexibility.
Local benefits you can highlight: Mention your knowledge of state regulatory requirements, familiarity with local brokers, or relationships with regional commercial clients. Employers value that local knowledge alongside remote adaptability.
Sample Remote Job Listing and Application Checklist
Below is a sample remote job description for a local remote role and a practical checklist to use before hitting “apply.”
Sample Job: Remote Claims Adjuster — Southeast Regional (Must be based in GA, FL, or AL)
Responsibilities:
- Manage property and casualty claims from first notice to settlement for our Southeast region.
- Conduct virtual inspections and occasional on-site inspections within county limits.
- Coordinate with local vendors, contractors, and law firms.
- Document claims in the carrier’s ClaimCenter system and meet SLA targets.
Requirements:
- Valid adjuster license in at least one of the listed states (GA, FL, AL).
- 3+ years of claims experience; remote-work experience preferred.
- Reliable home office, smartphone, and ability to travel to local sites when required.
- Strong documentation and communication skills; experience with ClaimCenter or similar systems.
Compensation: $58,000–$82,000 base depending on experience plus performance bonus; company-paid continuing education and licensing reimbursements.
Application Checklist
- Update resume with current location and remote preference (e.g., “Remote — based in Austin, TX”).
- Include state license numbers and expiration dates in the resume or a separate licensing sheet.
- Customize your cover letter to mention local experience or connections (e.g., “familiar with Florida hurricane claims season”).
- Prepare two to three accomplishments with metrics relevant to the job (claim dollar savings, processing time improvements, conversion rates).
- Test your video setup, internet connection, and have examples/screenshots of past work (redacted for privacy) ready to share.
- Have references prepared who can speak to your remote work habits and reliability.
Conclusion: Next Steps to Land a Local Remote Insurance Job
Remote insurance roles that maintain a local focus are widely available across the industry—if you know where to look and how to present yourself. Start by combining targeted searches on major job boards with industry-specific resources and local networking. Make your remote-readiness and local knowledge clear in your resume and during interviews. Consider certifications that give you an edge in underwriting, claims, or sales, and be ready to demonstrate measurable outcomes from prior roles.
Action plan for the next 30 days:
- Create or update a targeted resume (include city/state and licensing info).
- Set up job alerts with “remote + [your state/city]” on LinkedIn, Indeed, and Glassdoor.
- Join at least one local insurance association chapter or LinkedIn group.
- Identify two software platforms listed in job ads (e.g., Guidewire, ClaimCenter) and pursue basic online training or demos.
- Reach out to one recruiter and attend one local industry event (virtual or in-person).
By combining the flexibility of remote work with the advantages of local connections, you can find a role that fits your lifestyle and advances your insurance career. Start small, track your applications, and refine your approach based on feedback. The right local remote opportunity is often just one well-crafted application away.
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