Commercial Underwriting Analyst

Job Type:

Job Description:

Location Details:

This position can work remotely from a home office (anywhere in the state of Michigan) for day-to-day operations. Will travel to the Fremont, MI office on occasion.

Position Schedule / Shift:

Monday- Thursday 8am-5pm. Friday 8am-4:30pm

Key Responsibilities:

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.  Reviews information, initiates policy adjustments for commercial product line(s) and tabulates results.  Compares the 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 questions/inquiries.  Attends training as required.

Corresponds and maintains professional relationships with agents and producers along with the ability to explain reasons for policy adjustments.  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.  Updates rating criteria on affected policies.  May complete activity sheets to be used in compiling monthly reports and perform calculations of premiums recovered to ascertain impact of inappropriate ratings on company revenues.

Underwrites and processes renewals and endorsements within commercial underwriting analyst authority level. Work with underwriter, senior underwriter and/or supervisor if outside authority level.

Qualifications:

Required

Education (include minimum education and any licensing/certifications):

• High School diploma or equivalent

Experience:

• two years insurance experience

• 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 and Skills:

• company underwriting policies, procedures and practices
• inspection techniques related to commercial insurance
• communicating effectively with others
• presenting complex information in a clear and concise manner
• access and work with rate account information on computer terminal
• review new or renewal commercial insurance accounts to determine appropriate rating classifications
• work within a team environment

Preferred

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

Work Environment:

This position is currently able to work remotely from a home office location for day-to-day operations unless occasional travel for meetings, collaborative activities, or team building activities is specified by leadership. This is subject to change based on amendments and/or modifications to the ACG Flex Work policy.

Compensation & Benefits Overview:

ACG complies with all applicable state and local laws regarding required benefits (including PTO, paid sick leave, etc.).

Compensation

The hourly range for this position is $23.10 - $25.00 with annual bonus potential, based on performance.

Benefits

At ACG, we offer a comprehensive and flexible benefits package designed to support your health, financial well-being, and professional growth.

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 to support long-term financial goals. 3% automatic deferral upon eligibility; may contribute 1% to 50% of eligible earnings, either pre or post tax. Company match of 50% paid on employee contributions up to 6% of pay, payable to employees following the end of the year; immediate vesting. Additional company contribution of 4% of pay each pay day into your account; 100% vested after three (3) 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 will receive up to 12 PTO days annually; accrual based on start date and may include additional PTO based on role and/or state & local requirements. Part-time employee PTO hours are calculated based upon the standard weekly hours the employee is scheduled to work and will accrue at a minimum of 3 hours per month.
• Paid Holidays: Full-time employees are eligible for 10 company-paid holidays annually, in addition to 1 mental health day, 2 floating holidays and 1 volunteer day. Holidays vary by business unit schedules. Part-time employees are eligible for 8 company-paid holidays annually, in addition to 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.

Job Posting Period:

This position is expected to remain posted through 9/10/2026; however, it may close at any time once a qualified candidate pool is identified.

Who We Are

Become a part of something bigger.

The Auto Club Group (ACG) provides membership, travel, insurance, and financial service offerings to approximately 14+ million members and customers across 14 states and 2 U.S. territories through AAA, Meemic, and Fremont brands. ACG belongs to the national AAA federation and is the second largest AAA club in North America.

By continuing to invest in more advanced technology, pursuing innovative products, and hiring a highly skilled workforce, AAA continues to build upon its heritage of providing quality service and helping our members enjoy life’s journey through insurance, travel, financial services, and roadside assistance.

And when you join our team, one of the first things you’ll notice is that same, whole-hearted, enthusiastic advocacy for each other.

We have positions available for every walk of life! AAA prides itself on creating an inclusive and welcoming environment of diverse backgrounds, experiences, and viewpoints, realizing our differences make us stronger.

To learn more about AAA The Auto Club Group visit www.aaa.com

Important Note:

ACG’s Compensation philosophy is to provide a market-competitive structure of fair, equitable and performance-based pay to attract and retain excellent talent that will enable ACG to meet its short and long-term goals. ACG utilizes a geographic pay differential as part of the base salary compensation program. Pay ranges outlined in this posting are based on the various ranges within the geographic areas which ACG operates. Salary at time of offer is determined based on these and other factors as associated with the job and job level.  

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.

The Auto Club Group, and all its affiliated companies, is an equal opportunity 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.

Regular and reliable attendance is essential for the function of this job.

AAA The Auto Club Group is committed to providing a safe workplace. Every applicant offered employment within The Auto Club Group will be required to consent to a background and drug screen based on the requirements of the position.