Commercial Underwriting Analyst

A career at The Auto Club Group (ACG) can be satisfying, exciting and rewarding. By aligning your professional development with our business objectives, ACG can help you attain your career goals — and make a difference. Get started by choosing the career that’s right for you.

Fremont, MI

Fremont Insurance Company

Fremont Insurance Company, an affiliate with the Auto Club Group, is a Michigan exclusive property and casualty insurance carrier with headquarters in Fremont, Michigan since our inception in 1876. Because we make our own homes and livelihood in Michigan, we understand our State's unique geography, climate, demographics, and lifestyles. Fremont Insurance Company is committed to providing quality and affordable insurance products to policyholders with major emphasis in customer service to enhance the growth and profitability of our Company for shareholders, agents, employees and local communities.

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Competitive Compensation and Benefits Package

Overview: <p style="margin: 0in 0in 0pt;"><span style="font-family: arial, sans-serif;">The Auto Club Group (ACG) provides membership, travel, insurance, and financial services offerings to approximately 9 million members and customers across 11 states and 2 U.S. territories through the AAA, Meemic, and Fremont brands. ACG belongs to the national AAA federation and is the second-largest AAA club in North America.</span></p>
Responsibilities: <ul> <li>Reviews and analyzes internal/external investigations, inspections and/or statuses in order to ensure rating/premium value integrity to ensure meeting underwriting guidelines and corporate goals.</li> <li>Reviews information, initiates policy adjustments for commercial product line(s) and tabulates results.</li> <li>Compares the rating characteristics of specific accounts and formulates a course of action to ensure compliance with corporate underwriting rules and procedures.</li> <li>Provides advanced technical and product information in response to questions/inquiries.</li> <li>Attends training as required.</li> <li>Corresponds and maintains professional relationships with agents and producers along with the ability to explain reasons for policy adjustments.</li> <li>Formulates a course of action to comply with commercial lines underwriting rules and procedures and compares rating characteristics for specific accounts to ensure compliance with existing eligibility and rating rules.</li> <li>Updates rating criteria on affected policies.</li> <li>May complete activity sheets to be used in compiling monthly reports and perform calculations of premiums recovered to ascertain the impact of inappropriate ratings on company revenues.</li> <li>Underwrites and processes renewals and endorsements within commercial underwriting analyst authority level. Work with the underwriter, senior underwriter and/or supervisor if outside authority level.</li> </ul>
Requirements: <p style="margin-bottom: 0pt; margin-top: 0px;"><strong><u><span>Preferred Qualifications:</span></u></strong></p> <ul> <li style="margin: 0in 0in 0pt 0.5in; text-indent: -0.25in;"><span><span>College-level coursework in Business Administration or a related field</span></span></li> <li style="margin: 0in 0in 0pt 0.5in; text-indent: -0.25in;"><span><span>CPCU, IIA, CIC or other insurance-related coursework.</span></span></li> </ul> <p style="margin-bottom: 0pt; margin-top: 0px;"><span><strong><u><span>Work Environment:</span></u></strong></span></p> <p style="margin: 0in 0in 0pt 2in; text-indent: -141pt;"><span>Works in a temperature-controlled office environment.</span></p> <p style="margin: 0in 0in 0pt;"><strong><u><span>Required Qualifications:</span></u></strong></p> <p style="margin-bottom: 0pt; margin-top: 0px;"><u><span>Education:</span></u></p> <ul style="margin-top: 0in;"> <li><span>High School diploma or equivalent</span></li> </ul> <p style="margin-bottom: 0pt; margin-top: 0px;"><u><span>Experience:</span></u></p> <ul> <li style="margin: 0in 0in 0pt 0.5in; text-indent: -0.25in;"><span><span>Two years of insurance experience</span></span></li> <li style="margin: 0in 0in 0pt 0.5in; text-indent: -0.25in;"><span><span>Reviewing claims for possible changes in rating or acceptability status</span></span></li> <li style="margin: 0in 0in 0pt 0.5in; text-indent: -0.25in;"><span><span>Analyzing insurance needs and determining appropriate levels of coverage</span></span></li> <li style="margin: 0in 0in 0pt 0.5in; text-indent: -0.25in;"><span><span>Working with various commercial insurance product lines</span></span></li> <li style="margin: 0in 0in 0pt 0.5in; text-indent: -0.25in;"><span><span>Investigating and validating the proper rating</span></span></li> </ul> <p style="margin-bottom: 0pt; margin-top: 0px;">&nbsp;</p> <p style="margin-bottom: 0pt; margin-top: 0px;"><u><span>Knowledge and Skills:</span></u></p> <ul> <li style="margin: 0in 0in 0pt 0.65in; text-indent: -0.25in;"><span><span>Company underwriting policies, procedures, and practices</span></span></li> <li style="margin: 0in 0in 0pt 0.65in; text-indent: -0.25in;"><span><span>Inspection techniques related to commercial insurance</span></span></li> <li style="margin: 0in 0in 0pt 0.65in; text-indent: -0.25in;"><span><span>Communicating effectively with others</span></span></li> <li style="margin: 0in 0in 0pt 0.65in; text-indent: -0.25in;"><span><span>Presenting complex information in a clear and concise manner</span></span></li> <li style="margin: 0in 0in 0pt 0.65in; text-indent: -0.25in;"><span><span>Access and work with rate account information on a computer terminal</span></span></li> <li style="margin: 0in 0in 0pt 0.65in; text-indent: -0.25in;"><span><span>Review new or renewal commercial insurance accounts to determine appropriate rating classifications</span></span></li> <li style="margin: 0in 0in 0pt 0.65in; text-indent: -0.25in;"><span><span>Work within a team environment</span></span></li> </ul> <p style="margin-bottom: 0pt; margin-top: 0px;">&nbsp;</p> <p style="margin-bottom: 0pt; margin-top: 0px;"><span><span>The Auto Club Group offers a competitive compensation and benefits package including a base salary with performance-based incentives; medical/dental/vision insurance, 401(k), generous time off, a complimentary AAA Membership and much more!</span></span></p> <p><span><span>Important Note: 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.</span></span></p> <p><span><span>The Auto Club Group and all of its affiliated companies is an equal opportunity/affirmative action 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.</span></span></p>