Commercial Property & Casualty Underwriter

Universal Shield Insurance Group (and its member companies, Universal Fire & Casualty Insurance Company ( and Shield Indemnity Inc.) has an opening for an experienced Commercial Insurance P&C Underwriter at our Dublin, Ohio, Bridge Park Corporate office or our Scottsdale, AZ location.

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 small business markets, offering coverage on both an admitted and surplus lines basis. Via online state-of-the-art agency portals and direct-to-consumer retail and B2B websites, we design our products intuitively and device-agnostic to accelerate competitive underwriting decisions for our partners and customers.

Key Responsibilities:

• Objectively analyze diverse information on new and renewal business to accept, price, modify, or reject business within delegated authority level for both Admitted and Surplus Lines Products.
• Effectively apply forms, endorsements, and deductibles to help mitigate risk.
• Develop strong business relationships with key agents and provide underwriting guidance to the agents.
• Maintain a profitable book of business within assigned levels of authority by using sound underwriting judgment and technical skills.
• Continue personal industry skills and knowledge development to meet the company goals of quality and timeliness.
• Maintain knowledge of current 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:

• At least two years of Commercial P&C underwriting insurance experience is required (experience with Commercial Property, General Liability, Inland Marine, BOP/CPP preferred).
• Pursuit of CPCU, CIC, or other applicable designations with a willingness to complete preferred but not required.
• High School Diploma or equivalent required. Bachelor’s degree preferred.
• Ability to communicate effectively with internal and external contacts - strong customer service focus.
• Strong organizational and time management skills required.
• Strong intellectual curiosity.
• Detail-oriented and able to handle multiple tasks on time.

This position includes company-paid study materials and test fees for approved underwriting credentials from “The Institutes”.

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, long-term disability insurance, AD&D 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 selected for an interview will receive more information on our comprehensive company benefits program.

About 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.