Commercial Garage Insurance Underwriter

Universal Shield Insurance Group (and its member companies – Universal Fire & Casualty Insurance Company and Shield Indemnity Inc.) has an opening for an experienced Commercial Garage Insurance Underwriter. Full or Partial work from home is available as agreed by management.

Guided by an entrepreneurial spirit, Universal Shield Insurance Group is a hybrid property and casualty insurer and insurtech that provides innovative insurance solutions to underserved markets for small businesses on both an admitted and surplus lines basis. Via online state-of-the-art agency portals, we design our products intuitively and device agnostic to accelerate competitive underwriting decisions for our partners and customers.

Our Garage underwriting department is seeking an experienced Insurance Underwriter, who is an accomplished multi-tasker that strives to deliver world-class service to key stakeholders.

This position is an excellent opportunity to support a growing insurance company led by experienced insurance professionals with a long history of working together and a proven track record of success.

Key responsibilities:

Underwrite, rate, and quote commercial garage coverage.

Coordinate and communicate with various parties including agents, producers, and underwriting staff to support our underwriting efforts and take appropriate action within designated timeframes.

Ensure quality and timeliness of policies and correspondence and respond to customers inquiries.

Ensure electronic files are accurately maintained per company and regulatory guidelines.

Perform exposure comparisons, research risks via company and public data resources, and review applications to ensure accuracy of application, quote, and policy details.

Review garage inspection reports and manage necessary inspection recommendations.

Review policy performance for renewal business requesting additional information as needed.

Review applications and ensure quality of policies and correspondence and respond to agent, wholesaler, and other stakeholders.

Develop personal industry skills and knowledge to meet the company’s culture and expectations of continuous learning and career enrichment.

Develop and maintain knowledge of current commercial insurance market trends, conditions, competitive intelligence, and product and service innovations.

Ability to interact collaboratively and collegially with colleagues, agents, and customers in a professional manner.

Job Requirements:

Minimum high school diploma/GED required.

Two years commercial Garage insurance underwriting experience working with small and mid-size accounts.

Significant knowledge of commercial Garage coverages, endorsements, and regulations.

Excellent interpersonal decision-making and analytical skills required.

Exceptional organizational skills to prioritize multiple tasks with high attention to detail.

Ability to work in a team environment.

Continuous underwriting skills development. Professional designations are available via company paid self-training through The Institutes and The National Alliance for Insurance Education and Research.

Travel throughout the United States to various conventions, conferences, and client offices. Travel expectations are 2 weeks per quarter maximum.

Salary Range: $80,000 - $95,000. This is an exempt position with salary negotiable based on experience.

Universal Shield Insurance Group offers an industry competitive benefits package including health insurance with a company contributed HSA, dental insurance, vision coverage, short term disability insurance, Employee Assistance Program (EAP), and other lifestyle and family friendly and work/life balance benefits. We also offer a company matched 401K, unlimited PTO for exempt employees, and other ancillary workforce benefits. Applicants will receive more information on our full company benefit program.

Universal Shield Insurance Group (and its member companies – Universal Fire & Casualty Insurance Company and Shield Indemnity Inc.) is an equal opportunity employer. Discrimination of any kind, including race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy or on any basis prohibited by federal, state, or local law is not tolerated at Universal Shield Insurance Group.

About Universal Fire & Casualty Insurance Company:

Guided by an entrepreneurial spirit, Universal Fire & Casualty Insurance Company (UFCIC) is a hybrid property and casualty insurer and insurtech that provides innovative insurance solutions to underserved markets for small businesses. Via online state-of-the-art agency portals and direct to consumer retail (B2C) and business to business (B2B) websites, we design our products intuitively and device agnostic to accelerate competitive underwriting decisions for our partners and customers. UFCIC targets property and casualty insurance for small businesses that are managed in such a way that they deserve to qualify for, and enjoy, the additional advantages in security and coverage offered by an admitted product. While the surplus market, as a last resort channel, can provide a reduced coverage form at a higher price, UFCIC turns this dynamic upside down. Via a higher standard of acceptance, expert underwriting rules, advanced analytics, machine learning, and external data sources to supplement standard risk information, the majority of UFCIC’s target business can “graduate” from the surplus lines and be provided with a superior coverage form in the admitted marketplace. For those risks that necessitate the surplus market, our company uses our E&S carrier, Shield Indemnity, for risk placement. UFCIC also serves the specialty surety bond marketplace by providing a variety of proprietary, cutting-edge, and competitively priced surety products available through efficient direct and agent based technology enabled portals. Via UFCBonds.com (B2C), customers can buy License and Permit bonds direct, as well as other types of surety bonds, with zero commissions and fees – savings are up to 25% compared to online agency based surety bond platforms. For business to business (B2B), our BondRamp.com platform serves our distributors for surety bond placement. Additionally, UFCBonds.com and BondRamp.com issue most bonds instantly and are available 24x7x365 and accessible by computer, tablet, or mobile device. UFCIC is part of the Universal Shield Insurance Group Universal Shield is composed of Universal Fire & Casualty Insurance Company - an admitted carrier - and Shield Indemnity Inc. (shieldindemnity.com) - an excess and surplus carrier.

Full-Time