Commercial Auto Underwriting Manager

COMPANY OVERVIEW:

Founded in 1989, United Automobile Insurance Company is an innovative and established organization looking for a Commercial Underwriting Manager to join our team. Family-owned, UAIC, is one of the largest privately held property and casualty insurance companies in the United States. The key to our growth and success is a commitment to providing quality service to our agents and customers, by providing disciplined underwriting, and strategic claims handling. Our ongoing efforts to invest substantial resources in personnel and technology are the foundation of our promise of assuring maximum efficiency and specialized operations in the industry. We are proud that our independent agents and customers have recognized our dedication by making UAIC the market leader in every state where we conduct business.

Position Summary

As a Commercial Auto Underwriting Manager , you will lead the commercial underwriting function for non-standard commercial auto business, with responsibility for underwriting strategy, portfolio performance, technical risk oversight, and team leadership.
This role is responsible for driving underwriting profitability through disciplined risk selection, guideline development, operational oversight, and sound portfolio management. The Commercial Underwriting Manager will oversee underwriting staff, evaluate complex commercial auto risks, establish underwriting appetite, and partner cross-functionally to support profitable growth.
This position offers a remote work arrangement within the South region.

Extensive Florida commercial auto underwriting experience is required.

Key Responsibilities

• Lead commercial underwriting operations and manage underwriting 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 about E-Verify, please 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. PIP Coverage and Qualification Adjuster