Job Description

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. 

USIG targets property and casualty insurance for small and medium 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. We also offer an E&S product for those accounts that may qualify for our admitted market product after a few years of successful operation. We work exclusively with our appointed wholesale General Agents that demonstrate a commitment to professional underwriting practices and have multi-decade relationships with our underwriting teams. USIG incorporates a state-of-the-art risk acceptance process, employing expert underwriting rules, advanced analytics, machine learning, and external data sources to supplement standard risk information. USIG and its insurance entities (Universal Fire & Casualty Insurance Company “UFCIC” and Shield Indemnity Incorporated “Shield”) maintain an AM Best Financial Strength Rating (FSR) of A- (Excellent) and the Long-Term Issuer Credit Ratings (Long-Term ICR) of “a-“. UFCIC also maintains a Demotech Financial Stability rating of A (Exceptional) and is Treasury Listed for surety bonds up to $5.9M. USIG also underwrites the Surety line of business through our admitted company, providing bonds for the Commercial, Contract and Specialty Surety markets. Through our proprietary, cutting-edge portal Bondramp.com, we provide agents at all levels access to a large library of competitively priced commercial and transactional bonds, immediately delivering many bonds upon the Principal’s payment. Conveniently, BondRamp.com and is available 24x7x365 and accessible by computer, tablet, or mobile device. We have corporate offices in Waterford and Grandville, Michigan as well as Dublin, Ohio.

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