Commercial Auto Underwriting Manager

Company Overview Founded in 1989, United Automobile Insurance Company (UAIC) is an innovative, family‑owned, private property and casualty insurer and one of the largest in the United States. UAIC’s growth is driven by disciplinary underwriting and strategic claim handling, supported by investments in personnel and technology, resulting in maximum efficiency and specialized operations. Independent agents and customers have positioned UAIC as a market leader wherever it conducts business. Position Summary Commercial Auto Underwriting Manager leads the commercial underwriting function for non‑standard commercial auto business, driving underwriting profitability through disciplined risk selection, guideline development, operational oversight, and portfolio management. The role oversees underwriting staff, evaluates complex commercial auto risks, establishes underwriting appetite, and partners cross‑functionally to support profitable growth. This position offers a remote work arrangement within the South region. Key Responsibility Lead commercial underwriting operations and manage staff performance. Establish and maintain underwriting guidelines defining acceptable classes, restricted risks, and target profitable segments. Develop and manage Florida commercial auto underwriting appetite and eligibility standards. Review, approve, modify, or decline complex fleet and transportation risks. Evaluate risk factors including driver quality, vehicle type, radius of operation, commodity hauled, DOT compliance, loss history, garaging territory, and financial stability. Monitor portfolio concentration by class, territory, and fleet size to ensure balanced risk distribution. Analyze loss trends and portfolio performance to recommend underwriting strategy adjustments. Ensure compliance with Florida regulations and applicable state and federal transportation requirements. Monitor underwriting KPIs, quality standards, and operational performance benchmarks. Partner with claims, actuarial, product, and executive leadership to support profitability initiatives. Provide coaching, technical guidance, and leadership development to underwriting staff. Drive process improvements and operational efficiencies. Education & Licensing Bachelor’s degree required; Business, Risk Management, Finance, or related field preferred. CPCU, AU, ARM, or other insurance designations a plus. Florida 2‑20 License or equivalent preferred. Skills & Qualifications Extensive commercial auto underwriting experience within property and casualty insurance. Strong knowledge of non‑standard commercial auto risk assessment. Proven underwriting leadership and team management experience. Deep understanding of Florida commercial auto underwriting regulations. Strong analytical, decision‑making, and communication skills. Ability to manage portfolio profitability and operational performance. Benefits 401(k) Retirement Savings Plan with employer match. Comprehensive Medical, Prescription Drug, Vision, and Dental Insurance. Paid Time Off, Holidays, and Leave programs. Flexible spending accounts. Basic Life Insurance and Voluntary Life/ADD. Short Term and Long Term Disability. UAIC participates in the E-Verify program to confirm the employment eligibility of all newly hired employees. For more information, visit UAIC is an Equal Opportunity Employer and is committed to the principle of equal employment opportunity for all employees. All employment decisions at UAIC are based on business needs, job requirements, and individual qualifications, without regard to race, color, religion, or belief, family or parental status, or any other status protected by the laws or regulations in the locations where we operate. #J-18808-Ljbffr United Automobile Insurance Company