RTO mandate is anti-employee and the excuse is 'collaboration' - Underwriting Associate Shelter Insurance Employee Review

1.0
Jan 5, 2026
Recommend
CEO approval
Business Outlook

Pros

Coworkers and DIRECT Leaders/managers are caring, patient, and genuinely good people. Healthcare is good They do pay you on time

Cons

Pay is low compared to other industries. RTO mandate was made AFTER leadership said they would not do so. Leadership promised a lot of things for RTO and those haven't been fulfilled (cafeteria hours still end at 1p even though everyone is forced to be here till 4:30p, elevators are broken constantly, phone booths are NOT sound proof). Very few holidays. Low rate of vacation time and you STILL have to accrue it, refuse to put pto in a bucket-style. Technology is broken and won't be fixed for at least 2 or 3 years. Overworking lower level underwriting employees so they don't have to increase staffing. Personal lines favorited over commercial, and any dept. that makes the company a lot of money is preferred by leadership. If your dept. doesn't make the company a lot of money, upper leaders will let you suffer bad technology and no support. Leadership constantly talking about 'collab' in office, esp as excuse for RTO, but most employees are looking at a screen 8hrs a day and don't want to/don't need to/can't collab because we are overwhelmed with manual processes. Leadership is old and out of touch, company is old and out of touch. This is a culturally conservative company and nobody on the board or any of the executives actually care about their employees. Half the board has never even worked 1 day in insurance. If the job market wasn't so poor, I'm sure a lot of people wouldn't tolerate these old school/out of date views from people who make triple their salary for doing barely any work and likely don't have as much problems with RTO because they can afford to pay all their problems away. Can't really advance in underwriting because once someone gets to the underwriter role, they keep it until they retire, so every open position is horribly competitive. You WILL be asked to do a lot of tasks outside of your normal job duties, including being on committees to write manuals and to spend weeks training new employees (and yes, you will still be expected to do your own job at the same rate you were before). Easier to make current employees work 3x as hard for the same pay, than hire others to assist, I guess.

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Shelter Insurance Response
5mo
We truly appreciate you taking the time to share your feedback and for your openness. We're dedicated to fostering a positive employee experience and value all input that helps us grow. If you'd like to talk more about your concerns, please feel free to connect directly with People Resources.

Explore other reviews about Shelter Insurance

5.0
Jun 1, 2026
Recommend
CEO approval
Business Outlook

Pros

Very easy internship at a good company

Cons

Low pay, not very structured

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Shelter Insurance Response
4w
Thank you for sharing your experience with us. We’re glad to hear you enjoyed your time at Shelter and found the internship to be a positive introduction to the company. We also appreciate your candid feedback regarding pay and structure—this insight is valuable as we continue to evaluate and enhance our internship program to better support and develop our interns.
2.0
Apr 10, 2026
Recommend
CEO approval
Business Outlook

Pros

Amazing team members, some of the kindest, smartest and most resourceful people I've ever met. There are people at this company that have worked here for decades, the amount of company/business knowledge you can pull from this is absolutely beautiful/inspiring.

Cons

I’ve always disliked when companies describe themselves as “like a family,” but for a long time that actually felt accurate here until about a year ago. Since then, the culture has noticeably deteriorated. The environment has become increasingly corporate, cold, and transactional. Employees, including long-tenured staff, are treated as interchangeable resources rather than experienced contributors. There is an unspoken expectation of consistently working beyond 40 hours, with weekend availability treated as normal rather than exceptional. The return-to-office mandate was handled in a rigid and dismissive way. Employees who were barely outside commuting thresholds were given no flexibility or meaningful consideration. At the same time, there appeared to be a growing cultural preference against remote workers, despite clear evidence that remote employees were still delivering strong results. In contrast, relocating to the office was quietly rewarded with promotions, raising legitimate concerns about fairness and consistency in advancement. Work is frequently assigned without regard for existing workload or operational reality. Teams are overloaded with competing priorities, leading to confusion, duplicated effort, and avoidable system instability. New tools and processes are often introduced before older ones are fully stabilized, resulting in constant disruption rather than improvement. Overall, the company has shifted from a collaborative and people-focused culture to one that feels reactive, poorly coordinated, and increasingly indifferent to employee experience.

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Shelter Insurance Response
2mo
Thank you for sharing such a thoughtful and candid reflection on your five years with us. We’re glad you found a strong community here, but it’s disheartening to hear that our culture has recently felt cold and transactional. Your feedback on workload, the return-to-office transition, and the need for better work-life balance is invaluable. We are committed to ensuring our long-tenured experts feel valued as people, not just resources. If you have any concerns, or would like to discuss further, please don't hesitate to contact our People Resources Team.
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