Underwriter - Commercial Lines

Shelter Insurance Companies; Columbia Township (MO); On-site; USD 56,000 - 69,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

Prescription drug insurance

401(k) Savings and Profit Sharing

Paid Time Off

Vitality Wellness Program

Dress for Your Day

Flexible Scheduling

Job summary

Shelter Insurance Companies in Missouri is seeking an Underwriter – Commercial Lines to assess applications, determine coverage, and rate risks for commercial policies. This role involves collaborating with agents, claims, marketing, and legal teams to support policyholders and drive sound underwriting decisions.

The position emphasizes accuracy, timely decision making, and mentoring new underwriters. Shelter offers comprehensive benefits and a broad salary range reflecting geographic locations.

Qualifications

• Strong communication skills for agents, employees, and policyholders.
• Ability to analyze risks and make sound underwriting decisions.
• Effective time management and multitasking abilities.
• Proficiency with office computers and internal systems.
• Team-oriented approach and collaborative mindset.
• General insurance, business and communication courses preferred.
• Exposure to Commercial Lines underwriting concepts preferred.

Responsibilities

• Examine applications to select, rate and evaluate risks for coverage decisions.
• Assess existing business and determine retention and rating strategies.
• Communicate with policyholders, underwriting, claims, marketing and legal teams.
• Prepare reports, complete forms and participate in departmental activities.
• Mentor new underwriters.

Skills

Communication skills

Risk analysis

Time management

Computer skills

Team collaboration

Insurance knowledge

Regulatory knowledge

Tools

Internal systems

Job description

A company built to serve you. It’s your career, Shelter it!

Underwriter – Commercial Lines

$55,993 - $69,422 minimum starting pay

Job Level: Individual Contributor

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:

Examine applications for the selection, rating, and evaluation of risks, and make decisions regarding acceptability of coverage for various lines of insurance. Evaluate existing business and exercise judgment regarding retention and rating of such business. Communicate with, and provide services for policyholders, Underwriting, Claims, Marketing, Customer Communications, and Law Department personnel regarding coverage, rating and risk evaluation. Perform other varied duties such as writing and analyzing reports, completing forms, serving on Departmental and Company committees, operating computer systems and making field trips to assigned districts. Mentor new underwriters.

What We’re Looking For:

• Strong oral, written and customer-centric communication skills for interaction with agents, other employees, mortgagees, loss payees, policyholders and applicants in providing assistance and explaining underwriting decisions, Company policies, practices and procedures while adhering to corporate privacy guidelines.
• Ability to analyze risks, exercise judgment and demonstrate flexibility when appropriate in making decisions related to those risks.
• Ability to manage time effectively, maintain workloads and meet deadlines.
• Ability to operate computers, other office equipment, internal operating systems and external vendor websites/platforms.
• Ability to maintain a positive attitude, work well in team situations and sustain good working relationships with others.
• Industry and Company courses in General insurance, business and communication as would be acquired at the college level of study preferred.
• Exposure to Commercial Lines insurance, underwriting rules and regulations, rating and rules manuals, federal and state laws and Company policies and procedures 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!

10/13/2026