Agent in Denver , CO Area - Vice President Marketing Shelter Insurance Employee Review

1.0
7 Sept 2017
Recommend
CEO approval
Business outlook

Pros

I seriously cannot think of one. That Bad... I have been in the industry most of my professional life and this was by far the WORST experience since working at Taco Bell when I was in High School.

Cons

If you are taking over an existing book of business and never met the prior agent, you can bet that two things have happened one is that the vacancy period and the size of the book and it's renewal commissions are NOWHERE NEAR what they have told you. They have been answering the phone for at least a few weeks and have figured out which households are going to become house accounts and serviced by home office in Columbia. The office I got suckered into had been vacant for 8 months and the renewal statements showed the book on the low should have been making around $70k but it wasnt... it would have been lucky to see $25k because after they cherry picked the book, the rest of the book is considered bad business for many reasons..these guys and all insurance companies know that it will take at least 3 years for any customer to even be slightly profitable. Most people will have a claim maybe a few in those first few years. this is because Insurance co's are the only ones legally bound to pay money. the customer can quit and go find new insurance after they have a claim and shelter took a loss on you and that is why they and all other insurance Co's only want your Married, college educated homeowners with good credit and no claims history. (if you are studying for your state test, this is the Unilateral Contract ) the best question you can ask THEM is about Agent turnover and make you sure you go out in the field and ask the Agents how much of that profitability bonus they have been seeing. let's say this: If Shelter ran Las Vegas, NOBODY WOULD EVER LEAVE WITH ANY CASH. it didnt take me long to see through the .... company. with so many other companies that are willing to subsidize your initital growth period COMPLETELY, I advise that you think REAL HARD before accepting an offer.

Explore other reviews about Shelter Insurance

5.0
1 Jun 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
10 Apr 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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