This paper founds out the training needs for new staff of underwriting and claims can improve new staff’s capabilities based on the analysis of competency of these two key tasks/procedures of insurance industry operation. In research 1, it codes the key contents of competencies for underwriting and claims based on the records of interview to senior experts of underwriting and claims with critical incident technique. In research 2, both experienced and fresh staffs from underwriting and claims sequence all competencies in the questionnaire. By comparing the difference between importance competencies sequences by senior and new staffs, it concludes the training needs for fresh staff.