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Benefits of Working at Shelter

We provide an outstanding benefits package for our outstanding team of employees.

Shelter's uncompromising commitment to excellence doesn't stop with our customer. We recognize that our employees and sales professionals are what make us a premier organization in the insurance industry. We support our employees with the following benefits.


Health Insurance: Medical, dental, and prescription drug coverage is provided for full-time employees after 30 days of continuous employment. This coverage is also available for an employee's spouse and children. The cost of the group health insurance is shared between the employee and the company.

Life Insurance: Basic Group Life Insurance is provided by Shelter for all full-time employees.  Coverage becomes effective after 30 days of continuous full-time employment.  The amount of insurance is equal to one times your annual salary rounded to the next $1,000, with a maximum coverage of $400,000.

Supplemental Life: Full-time employees may purchase supplemental life insurance equal to five times their annual salary, rounded up to the next $1,000, with a maximum coverage of $400,000. Coverage is also available for a spouse and children.

Travel/Accidental Death and Dismemberment Insurance: Employees who travel on company business may receive coverage up to four times their annual salary, with a maximum coverage of $1,000,000. The cost of travel insurance is fully paid by Shelter.

Group Voluntary Accidental Death and Dismemberment Insurance: Full-time employees may purchase optional low-cost accident coverage in multiples of $10,000, with a maximum of $750,000. The benefit cannot be more than ten times an employee's annual salary. Coverage is also available for family members.

Long Term Disability: After 90 days of continuous employment, full-time employees are provided with long-term disability insurance benefits at a percentage of their pay. The cost of long-term disability insurance is fully paid by Shelter.

Financial Programs

Savings and Profit Sharing [401(k)]: Shelter's savings and profit sharing plan makes it possible to share the profits of our company with employees. Employees are eligible to join the plan the first of the month following employment. Depending on the annual profit of Shelter Insurance Companies, the first three percent of an employee’s personal contributions could be matched as many as five times. Discretionary matches may be made for the next four to six percent. Since 1986, Shelter has annually matched employees’ contributions three times on average. Joining the voluntary plan provides employees with a way to save money on a tax-deferred basis.

Retirement: After completing 1,000 hours of service and reaching age 18, eligible employees are enrolled in our retirement plan. The plan, which provides a monthly income when the employee becomes eligible for retirement, is paid for entirely by Shelter.

Credit Union: All employees, their spouses, and children living in the employee's residence are eligible to join the Shelter Insurance Federal Credit Union. The credit union provides savings accounts, share draft (checking) accounts, Christmas club accounts, and auto and signature loans.

Direct Deposit of Checks: Earnings are electronically transferred and deposited directly into accounts.

Flexible Spending Accounts: Employees may use part of their earnings to establish accounts for the payment of non-reimbursed medical and dependent care expenses to be paid with pre-tax dollars.

Health Savings Accounts: Employees who participate in the Consumer Driven Health Plan option are eligible to participate in a Health Savings Account (HSA). Employees can make contributions to the account up to allowed maximum contribution limits. An HSA allows employees to pay for qualified medical expenses with pretax dollars. Shelter also contributes to each participating employee's HSA.

Scholarships for Children of Employees/Agents: The Shelter Insurance Foundation provides college scholarships for the children of agents and employees. Agents and employees are eligible for this benefit after two years of service and the child must meet certain eligibility criteria as well. A limited number of scholarships are available and a committee appointed by the foundation selects the recipients.

Time Off

Vacation: Full-time employees receive ten days of vacation with pay per year. After the sixth anniversary of employment, an employee earns one additional day of vacation for each additional year, up to 20 days per year at year 15. Part-time employees receive half the vacation earned by full-time employees.

Personal Leave: Full-time employees receive 16 hours of paid personal leave per calendar year. New full-time employees beginning work between January 1 and June 30 receive 16 hours of personal leave; new full-time employees beginning work on July 1 or later receive 8 hours of personal leave for their first calendar year of employment. Part-time employees receive half the personal leave credited to full-time employees.

Holidays: Shelter observes paid time off for eight holidays: New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, Friday after Thanksgiving, Christmas Day, and one floating holiday typically combined with either Independence Day or Christmas to create a four-day weekend.

Sick Leave: Full-time employees receive 40 hours of paid sick leave on January 1 of each year and may accumulate a maximum of 80 hours. After 30 days of full-time employment, sick leave pay is granted to full-time employees who are prevented from working because of illness or injury to themselves or a member of their immediate family, or for employee medical, dental, or optical examination and treatment.

Short Term Disability: Shelter grants short term disability to full-time employees who are prevented from working for more than two consecutive days because of a personal illness or injury. The duration and amount of pay will be based on the employee's length of full-time service.

Adoption Leave: To promote and foster the family benefits of adoption, Shelter provides up to three weeks of paid leave for employees who qualify for the program.

Work/Life Balance

Flextime Scheduling: Shelter's flextime (alternative work scheduling) program allows varied starting times and work schedules. This added flexibility helps employees address their personal needs and those of their families. It also allows Shelter to address coverage needs in each department.

Business Casual Dress Code: Shelter employees are free to come to work in business casual attire instead of traditional business dress. Although slightly more casual, Shelter still maintains a professional environment.

Cafeteria: Employees and visitors in our corporate office enjoy a full-service cafeteria for breakfast, lunch, and snacks.

Health/Wellness Programs: A full-time registered nurse oversees various health programs at Shelter’s corporate office, including cancer screenings, cholesterol checks, flu shots, and health education programs.

Employee Assistance Program: The LifeWorks® program resources are available to Shelter agents, employees, and their families. This innovative benefit is designed to provide confidential assistance with work and life balance and other personal matters at no cost to the employee.

Travel Accommodations: Shelter Travel is a full-service travel agency available to all employees for both business and personal travel. With a single phone call, you can purchase airline tickets and make hotel, car, or tour reservations.

The information presented on these pages is a summary of the programs offered. It is not intended to replace the written policies provided by Shelter Insurance Companies.


Shelter Insurance® is an Equal Opportunity Employer .