Underwriter

Shelter Insurance; Columbia, Northern (TN, KY); Hybrid; USD 56,000 - 69,000; Full time

Benefits offered by this job

Health Insurance

Dental Insurance

Vision Insurance

401(k) Savings

Paid Time Off

Wellness program

Dress for Your Day

Flexible Scheduling

Job summary

Shelter Insurance in Columbia, TN is seeking an Underwriter for the Haulers Insurance unit. The role focuses on evaluating risk for Personal and Commercial Lines, determining coverage and rating, and supporting partner communications.

The candidate will mentor junior underwriters, conduct field visits, and collaborate with teams to ensure sound risk decisions while aligning with company policies.

Qualifications

• College coursework in general insurance, business, and communication preferred.
• Undergraduate degree or equivalent related experience preferred.
• Experience with Personal/Commercial Lines is beneficial.

Responsibilities

• Evaluate Personal and Commercial Lines risk for acceptance, rating, coverage and retention.
• Communicate decisions to customers and partners; mentor underwriters.
• Conduct field visits as needed and support risk selection decisions.

Skills

Strong communication

Risk analysis

Decision making

Time management

Customer service

Education

Undergraduate degree preferred

Insurance coursework preferred

Tools

Internal systems

Vendor platforms

Job description

## UnderwriterApply: Columbia, TN-Haulers: Full time: Posted Today: End Date: September 30, 2026 (14 days left to apply): R0009161**A company built to serve you. It's your career, Shelter it!****Underwriter****$55,993 - $69,422 minimum starting pay****Job Level: Individual Contributor**This position is part of Haulers Insurance Company, a subsidiary of Shelter Mutual Insurance Companies.Shelter maintains broad salary ranges for its roles in order to account for variations in geographic location, education, training, skills, relevant work experience, business needs and market demands. Please remember that this range is the starting base pay only and does not consider other components that make up the total rewards package for the position.**What You Will Be Doing:**Evaluate Personal Lines and Commercial Lines business for risk acceptability, classification, rating, coverage, and retention. Communicate decisions, support customers and business partners, conduct field visits, and mentor underwriters.**What We’re Looking For:*** Strong oral, written, and customer-centric communication skills for explaining underwriting decisions, Company policies, practices, and procedures while adhering to corporate privacy guidelines.* Ability to analyze risk, exercise judgment, make decisions, manage workload, meet deadlines, collaborate effectively, and maintain productive relationships.* Ability to operate computers, office equipment, internal systems, and external vendor websites and platforms.* College-level industry or Company coursework in general insurance, business, and communication is preferred.* Exposure to Personal and Commercial Lines insurance, underwriting rules and regulations, rating and rules manuals, federal and state laws, and Company policies and procedures is preferred.* Undergraduate college degree or equivalent related experience is preferred.* Ability to perform essential functions of the job, with or without a reasonable accommodation.Shelter's uncompromising commitment to excellence doesn't stop with our customers. We recognize our employees are what make us a premier organization in the insurance industry. Shelter Employees enjoy such benefits as:* Health, Dental, Voluntary Vision and Prescription Drug Insurance* Savings and Profit Sharing 401(k)* Paid Time Off for Sick and Personal Leave, Vacation and Holidays* Vitality Wellness Program* \"Dress for Your Day\" Dress Code* Flexible Scheduling* And much more!