Job Type:
Full time
Exempt/Non Exempt:
Job Description:
Location Details:
Remote work for day-to-day operations unless occasional travel for meetings, collaborative activities, or team building activities is specified by leadership.
Position Schedule / Shift: Monday- Friday 8am-5pm
Position Summary:
Review, accept, decline or modify offerings submitted by producers for multiple/various commercial line coverage. Evaluate risks according to location, physical and moral hazards, inspection reports, underwriting precedent and experience, ensuring compliance with underwriting rules, guidelines and company philosophy throughout the process. Review information received regarding risks including inspection reports and credit reports and verify application data through the use of investigative letters, commercial inspections and/or personal observation. Review inspection reports and claims for rating on acceptability status and recommend risk improvement as appropriate. Initiate potential policy coverage or rating revision as a result of analysis and recommends and approves continuation, cancellation, non-renewal or rejection of applications or policies in accordance with established underwriting procedures, laws and judgment.
Exercise discretionary judgment when evaluating new or renewal high-value commercial underwriting application policies and evaluate the merits of each line of insurance based on current laws or level of underwriting expertise to accept or reject the risk presented. Correspond with outside insurance companies, business organizations, governmental agencies, or other contacts to develop procedures or to properly evaluate risks. Communicate and develop relationships with agents and producers and other insurance personnel to obtain further information, rate quotes or explain company underwriting policies. Manage portfolio to control the overall mix of accounts, profitability and take prompt action when necessary.
Train and educate agency staff on company products, services, processes and underwriting philosophy. Train, coach and serve as a technical resource to other underwriters. Provide mentorship that encourage individuals and the team to improve and accelerate performance. Perform other duties as assigned.
Qualifications:
Required Qualifications
Education (include minimum education and any licensing/certifications):
High School Diploma or equivalent
Experience:
three years commercial insurance experience
underwriting policies, procedures and practices
working in a commercial underwriting environment
inspection techniques related to commercial insurance
working with mathematical concepts including fractions, ratios, statistics and probabilities
Knowledge and Skills:
commercial insurance contracts and forms
insurance laws as they relate to commercial underwriting
company commercial insurance programs and products, underwriting rules and requirements
processing procedures and rules
ISO or similar bureau rating systems (Regional Operations)
organization and planning
negotiating, analyzing and problem solving
independent decision making
written communication skills to include reports and technical writing.
analyze and interpret commercial inspection
provide work direction, guidance and training
coordinate and control major projects
communicate effectively with others
Preferred
Education:
Bachelor's degree Business Administration or related field
Completion of an underwriting certification/designation (CPCU, CIC)
Work Environment:
This position is currently able to work remotely from a home office location for day-to-day operations unless occasional travel for meetings, collaborative activities, or team building activities is specified by leadership. This is subject to change based on amendments and/or modifications to the ACG Flex Work policy.
Compensation & Benefits Overview:
ACG complies with all applicable state and local laws regarding required benefits (including PTO, paid sick leave, etc.).
Compensation
Our Senior Commercial Lines Underwriter will earn a competitive annual salary of $85,000 - $110,000 with annual bonus potential, based on performance.
Benefits
At ACG, we offer a comprehensive and flexible benefits package designed to support your health, financial well-being, and professional growth.
Health & Wellness
Medical plans with multiple coverage options, including HSA eligibility.
Prescription drug coverage.
Dental and vision benefits.
Employee Assistance Program (confidential support services).
Financial Protection & Insurance
Company-paid basic life insurance.
Optional supplemental life insurance and dependent coverage.
Short-term and long-term disability coverage.
Critical illness, accident, and pet insurance options.
Retirement & Savings
401(k) plan to support long-term financial goals. 3% automatic deferral upon eligibility; may contribute 1% to 50% of eligible earnings, either pre or post tax. Company match of 50% paid on employee contributions up to 6% of pay, payable to employees following the end of the year; immediate vesting. Additional company contribution of 4% of pay each pay day into your account; 100% vested after three (3) years of service.
Health Savings Account (HSA) and Flexible Spending Accounts (FSA) options.
Time Off & Leave
Paid Time Off (PTO): Accrual-based, increases with tenure, eligible at 90 days of employment. Full-time new employees will receive up to 12 PTO days annually; accrual based on start date and may include additional PTO based on role and/or state & local requirements. Part-time employee PTO hours are calculated based upon the standard weekly hours the employee is scheduled to work and will accrue at a minimum of 3 hours per month.
Paid Holidays: Full-time employees are eligible for 10 company-paid holidays annually, in addition to 1 mental health day, 2 floating holidays and 1 volunteer day. Holidays vary by business unit schedules. Part-time employees are eligible for 8 company-paid holidays annually, in addition to 1 mental health day and 2 floating holidays. Holidays vary by business unit schedules.
Paid leave programs, including parental, bereavement, jury duty, and military leave.
Career Growth & Education
Tuition assistance (up to $5,250 annually; 80% covered by ACG).
Professional certification support with 100% reimbursement for eligible programs.
Opportunities for career development and advancement.
Additional Perks
Complimentary AAA membership with roadside assistance and travel discounts.
Adoption assistance program.
Job Posting Period:
This position is expected to remain posted through 8/30/2026, however, it may close at any time once a qualified candidate pool is identified.
Who We Are
Become a part of something bigger.
The Auto Club Group (ACG) provides membership, travel, insurance, and financial service offerings to approximately 14+ million members and customers across 14 states and 2 U.S. territories through AAA, Meemic, and Fremont brands. ACG belongs to the national AAA federation and is the second largest AAA club in North America.
By continuing to invest in more advanced technology, pursuing innovative products, and hiring a highly skilled workforce, AAA continues to build upon its heritage of providing quality service and helping our members enjoy life’s journey through insurance, travel, financial services, and roadside assistance.
And when you join our team, one of the first things you’ll notice is that same, whole-hearted, enthusiastic advocacy for each other.
We have positions available for every walk of life! AAA prides itself on creating an inclusive and welcoming environment of diverse backgrounds, experiences, and viewpoints, realizing our differences make us stronger.
To learn more about AAA The Auto Club Group visit www.aaa.com
Important Note:
ACG’s Compensation philosophy is to provide a market-competitive structure of fair, equitable and performance-based pay to attract and retain excellent talent that will enable ACG to meet its short and long-term goals. ACG utilizes a geographic pay differential as part of the base salary compensation program. Pay ranges outlined in this posting are based on the various ranges within the geographic areas which ACG operates. Salary at time of offer is determined based on these and other factors as associated with the job and job level.
The above statements describe the principal and essential functions, but not all functions that may be inherent in the job. This job requires the ability to perform duties contained in the job description for this position, including, but not limited to, the above requirements. Reasonable accommodations will be made for otherwise qualified applicants, as needed, to enable them to fulfill these requirements.
The Auto Club Group, and all its affiliated companies, is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity, sexual orientation, national origin, disability or protected veteran status.
Regular and reliable attendance is essential for the function of this job.
AAA The Auto Club Group is committed to providing a safe workplace. Every applicant offered employment within The Auto Club Group will be required to consent to a background and drug screen based on the requirements of the position.