Commercial Underwriting Analyst - Fremont Insurance

Location: This position can work remotely from a home office anywhere in the state of Michigan for day-to-day operations. Occasional travel to the Fremont, MI office is required.

Schedule

Monday–Thursday: 8am–5pm
Friday: 8am–4:30pm

Responsibilities

• Reviews and analyzes internal/external investigations, inspections, and/or statuses to ensure rating/premium value integrity and compliance with underwriting guidelines and corporate goals.
• Reviews information, initiates policy adjustments for commercial product line(s), and tabulates results.
• Compares rating characteristics of specific accounts and formulates a course of action to ensure compliance with corporate underwriting rules and procedures.
• Provides advanced technical and product information in response to inquiries.
• Attends required training.
• Corresponds and maintains professional relationships with agents and producers, explaining reasons for policy adjustments.
• Updates rating criteria on affected policies.
• Completes activity sheets for monthly reports and performs calculations of premiums recovered to assess impact of inappropriate ratings on company revenues.
• Underwrites and processes renewals and endorsements within commercial underwriting analyst authority level; collaborates with underwriter, senior underwriter, and/or supervisor for decisions outside authority level.

Requirements

• High School diploma or equivalent.
• Two years of insurance experience, including:
  • Reviewing claims for possible changes in rating or acceptability status.
  • Analyzing insurance needs and determining appropriate levels of coverage.
  • Working with various commercial insurance product lines.
  • Investigating and validating proper rating.
• Knowledge of:
  • Company underwriting policies, procedures, and practices.
  • Inspection techniques related to commercial insurance.
  • Communicating effectively and presenting complex information clearly.
  • Accessing and working with rate account information on computer terminals.
• Ability to:
  • Review new or renewal commercial insurance accounts to determine appropriate rating classifications.
  • Work within a team environment.

Preferred Qualifications

• College-level coursework in Business Administration or a related field.
• CPCU, IIA, CIC, or other insurance-related coursework.

Work Environment

This position is currently remote for day-to-day operations, with occasional travel for meetings, collaborative activities, or team-building as specified by leadership. Remote work eligibility is subject to change based on amendments to the ACG Flex Work policy.

Pay

Hourly range: $23.10 – $25.00, with annual bonus potential based on performance.

Benefits

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 with:
  • 3% automatic deferral upon eligibility.
  • Option to contribute 1% to 50% of eligible earnings (pre- or post-tax).
  • Company match of 50% on employee contributions up to 6% of pay (paid annually; immediate vesting).
  • Additional 4% company contribution each payday (100% vested after three 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 receive up to 12 PTO days annually (accrual based on start date; may include additional PTO based on role or state/local requirements).
  • Part-time PTO accrual calculated based on scheduled weekly hours (minimum 3 hours per month).
• Paid Holidays:
  • Full-time employees: 10 company-paid holidays annually, plus 1 mental health day, 2 floating holidays, and 1 volunteer day.
  • Part-time employees: 8 company-paid holidays annually, plus 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.