Best Insurance Company To Work For Remotely

You want to work in insurance from your couch? Honestly that is a smart move. The insurance industry is one of the most stable sectors out there-people always need it, regardless of how the economy is doing. And lucky for you, it's also one of the industries that embraced remote work faster than almost anyone else.

I’ve looked into this alot, digging through Glassdoor reviews, Reddit threads, and official company press releases to see who is actually walking the walk. Here is the deep dive on the best insurance companies to work for remotely and what you need to know before you hit "submit" on that application.

1. Progressive Insurance

If I had to pick just one, I’d probably start here. Progressive is huge, and they feel very modern compared to some of the old-school carriers. They have this thing called the "Homepoint" program which was around way before the pandemic.

Why they rock

Unlike companies that scrambled to figure out Zoom in 2020, Progressive already had the infrastructure. According to their own hiring pages, they offer roles in claims, customer service, and IT that are 100% remote.

One of the coolest things is their Gainshare program. It's basically an annual bonus structure where, if the company does well, everyone gets a slice of the pie. It can be a pretty significant chunk of change on top of your salary.

The vibe

They are known for being inclusive. You can wear jeans (or pajama pants if you're remote, let's be real) and they encourage people to be themselves. Its not a stuffy suit-and-tie place.

2. Allstate

This is a fascinating one. A couple of years ago, Allstate made headlines because they sold their massive corporate headquarters in Northbrook, Illinois. Why? Because they decided that remote work was the permanent future.

The commitment

When a company sells their home base, you know they aren't going to force you back into a cubicle next month. They call their approach "Flexible Connection." Most employees can choose how they want to work.

According to Fortune and other business news outlets, this move saved them millions, which helps keep jobs stable. They hire heavily for remote sales, customer support, and claims specialists.

Pros and Cons

• Pro: Total commitment to the remote lifestyle. You won't be a second-class citizen compared to office workers because there are hardly any office workers left.
• Con: Some roles, specifically in sales, can be high pressure. You got to hit those numbers.

3. Humana

Moving over to health insurance, Humana is a giant. They are consistently ranked as a top employer for diversity and remote work flexibility.

Focus on Health

Since they are in the health business, they actually care about yours. They have great wellness programs. If you work here, you get access to resources that help you stay healthy, which is ironic because sitting at a desk at home can be bad for your back.

They hire a ton of remote nurses, care managers, and customer service reps. If you have any medical background but want to get off your feet and work from a laptop, this is the place.

4. USAA

If you or your family have military ties, you know USAA is legendary for customer service. They treat their members like gold, and they generally treat their employees well to.

The "Mission"

Working here feels a bit different. There is a strong sense of purpose because you are serving the military community. The benefits are usually top-tier-great 401k matching and health plans.

The Catch

Because they are so obsessed with customer service quality, the remote roles can be a little strict. If you are in a phone-based role, your schedule is monitored pretty closely. You can't just wander off to walk the dog whenever you want. But if you like structure and good pay, it's a solid win.

5. Liberty Mutual

Liberty Mutual is another massive carrier that has pivoted hard to remote work. They have a tech-forward approach and are investing a lot in their digital tools, which makes working from home less frustrating.

They offer a "work from anywhere" policy for many corporate roles. What stands out about Liberty Mutual is their paid time off (PTO) policies and parental leave, which are often cited as being better than industry average.

6. The "Insurtech" Companies (Lemonade, Root, Next)

If the big established companies feel too slow or corporate for you, look at "Insurtech." These are tech startups that sell insurance. Think companies like Lemonade, Root, or Next Insurance.

Why choose a startup?

• Better Tech: Their internal systems usually don't suck. You won't be using software from 1998.
• Culture: Very casual, very young.
• Equity: You might get stock options. If the company blows up (in a good way), that could be worth money.

The downside? They can be a bit less stable than a rock like Allstate. Startups are volatile, so just keep that in mind.

What Kind of Jobs Can You Actually Do?

You might be thinking, "I don't know anything about insurance." That's okay. Most of these companies train you. Here are the main remote roles you will see:

1. Customer Service / Care Rep

The Job: Answering phones, helping people update their policies, explaining why their rate went up.
Difficulty: Entry-level.
Pay: usually starts around $18-$22 an hour, plus benefits.
Heads up: This can be draining. People usually only call insurance companies when they are having a bad day.

2. Claims Adjuster

The Job: Someone got in a car crash or had a pipe burst. You investigate the claim to see how much money they get.
Difficulty: Mid-level. You often need a license (the company usually pays for you to get it).
Pay: Better than service. Can range from $50k to $80k starting out.

3. Underwriting Assistant

The Job: Helping the underwriters decide if the company should insure a person or building. It's a lot of data entry and risk analysis.
Difficulty: Mid-level. Good for analytical brains.

4. Sales

The Job: Selling policies.
The Risk: Be careful here. Read the job description carefully.

Warning: How to Spot a "Fake" Job

I have to mention this because it drives me crazy. When you search for "remote insurance jobs," you are going to see a lot of spam.

There are companies (often Multi-Level Marketing or "agencies") that promise you can "Be Your Own Boss." They will tell you that you can make $100k your first year.

Red Flags to watch for:

• 100% Commission: If there is no base salary, it's not a job, it's a gamble. Unless you are an experienced salesperson, avoid this.
• You have to pay to start: If they ask you to pay for your own background check or training materials, run away.
• Vague descriptions: If the job post talks about "financial freedom" but doesn't say what you'll actually be doing, it's probably a waste of time.
• Group Interviews: If you show up to a Zoom interview and there are 50 other people there, it's a recruitment seminar, not a job interview.

How to Get Hired (The Secret Sauce)

Since these jobs are remote, you are competing with people from all over the country. Here is how to stand out.

1. Highlight "Soft Skills"
Insurance is about empathy. If you have worked in a restaurant, retail, or a call center, emphasize how you handled angry people. Insurance companies love people who can stay calm when a customer is yelling.

2. Show Tech Competency
You don't need to be a coder. But put on your resume that you are comfortable with Zoom, Slack, Microsoft Teams, and dual-monitor setups. They want to know you can troubleshoot your own internet if it glitches.

3. Get Licensed (Optional)
If you really want to skip the line, get your "Property & Casualty" license before you apply. It costs a couple hundred bucks and takes a few weeks of studying. Having that license already makes you an instant hire for many companies because it saves them money training you.

Final Thoughts

Working for an insurance company isn't the most glamorous thing in the world. You probably won't be bragging about it at parties. But, the benefits are solid, the job security is high, and companies like Progressive and Allstate have really figured out how to make remote work... work.

Take a look at their career pages directly. Don't just rely on Indeed. Go to the Progressive or Humana site, scroll to the bottom, click "Careers," and filter by "Remote." Good luck!

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Frequently Asked Questions

Do these companies provide the equipment?

Yes, the legitimate ones do. Companies like Progressive, Allstate, and USAA will almost always ship you a laptop, a headset, and sometimes even monitors. Some might give you a stipend to buy a desk or chair. If a company asks you to use your own personal computer for handling sensitive customer data, that is a red flag.

Can I work from anywhere, or just my house?

It depends on the company. Security is a big deal in insurance because you are handling social security numbers and credit cards. Usually, you need a private, secure room. You generally can't work from a Starbucks because of the noise and security risk. However, many companies will let you work from a relative's house if you have a private space there.

Is it easy to get an entry-level remote job?

It's competitive but definitely possible. Customer Service is the easiest way in. There is high turnover in those roles (because being on the phone all day is hard), so they are almost always hiring. Once you are in the door, it’s much easier to move to a different department like Claims or Underwriting.

Do I need a college degree?

For many roles, no. Customer service and claims intake usually just require a high school diploma or GED. However, for Underwriting or corporate roles (Marketing, HR, Finance), a degree is usually preferred. But don't let that stop you from applying if you have good experience.