Underwriting Associate

Built on meritocracy, our unique company culture rewards self-starters and those who are committed to doing what is best for our customers.

Brown & Brown is seeking an Underwriting Associate to join our growing team in Sparks, MD. 

 

As an Underwriting Associate at Oxford Risk Management Group, you will support the evaluation and servicing of Commercial Casualty and Enterprise Risk Management accounts. This position works closely with Underwriters and other departments to analyze account information, prepare underwriting materials, coordinate account activity, and maintain accurate and complete underwriting documentation.

How You Will Contribute: 

• Supports Underwriters throughout the new business and renewal processes, including organizing documents, identifying missing information, preparing files for review, and tracking outstanding requirements.

• Applies working knowledge of Commercial Auto, Commercial General Liability, and Excess Liability coverage when reviewing submissions, preparing account materials, and responding to internal questions.

• Reviews loss runs to identify loss frequency, severity, trends, open claims, and other matters requiring further underwriting review.

• Prepares underwriting summaries, account worksheets, exposure analyses, and other materials to support underwriting evaluation and decision-making.

• Processes underwriting documents and takes appropriate action within established authority, guidelines, and procedures.

• Serves as a liaison between Underwriters and other Oxford departments, providing timely and accurate underwriting information needed to bind, issue, endorse, renew, or cancel accounts and address certificates, inspections, and other account-related matters.

• Drafts account-related correspondence and communicates with internal business partners, brokers, or other parties in the Underwriter’s direction.

• Monitors account activity and follow up on outstanding underwriting information, subjectivities, inspections, recommendations, and other requirements.

• Maintains complete, accurate, and well-organized underwriting files in accordance with departmental standards and documentation requirements.

Skills & Experience to be Successful:

• Bachelor’s degree or one to three years of relevant Property and Casualty insurance experience; an equivalent combination of education, training, and industry experience may be considered.

• Familiarity with Commercial Auto, Commercial General Liability, and Excess Liability coverage is preferred.

• Ability to review and interpret commercial insurance policies, applications, endorsements, exposure information, and loss of runs.

• Strong analytical and problem-solving skills, including the ability to identify incomplete or inconsistent information and determine when additional underwriting review is required.

• Demonstrated ability to prioritize assignments, manage multiple deadlines, and produce accurate work in a fast-paced environment.

• Strong attention to detail and commitment to maintaining complete and accurate underwriting documentation.

• Customer-service mindset with the ability to communicate promptly, professionally, and effectively with Underwriters, internal departments, brokers, clients, and other business partners.

• Strong written, verbal, interpersonal, and organizational skills, with the ability to work effectively with individuals across different functions and levels of the organization.

• Ability to balance internal service standards with broker and client expectations while appropriately escalating issues requiring underwriting judgment or authority.

• Ability to work both independently and collaboratively, exercise sound judgment within established guidelines, and seek direction when appropriate.

• Demonstrated initiative, reliability, accountability, and commitment to meeting established deadlines and work-quality standards.

• Proficiency in Microsoft Office, particularly Outlook, Word, and Excel, and the ability to learn underwriting and policy management systems.

• Ability to handle confidential and sensitive information with discretion.

• Willingness to learn, accept feedback, and develop increasing technical knowledge and responsibility over time.

Pay Range

$36.06 - $36.06 Hourly

The pay range provided above is made in good faith and based on our lowest and highest annual salary or hourly rate paid for the role and takes into account years of experience required, geography, and/or budget for the role.

Teammate Benefits & Total Well-Being

We go beyond standard benefits, focusing on the total well-being of our teammates, including:

• Health Benefits: Medical/Rx, Dental, Vision, Life Insurance, Disability Insurance
• Financial Benefits: ESPP; 401k; Student Loan Assistance; Tuition Reimbursement
• Mental Health & Wellness: Free Mental Health & Enhanced Advocacy Services
• Beyond Benefits: Paid Time Off, Holidays, Preferred Partner Discounts and more.

Not reflective of all benefits. Enrollment waiting periods or eligibility criteria may apply to certain benefits. Benefit details and offerings may vary for subsidiary entities or in specific geographic locations.

Recruiting Vendor Disclosure Statement

Brown & Brown does not accept unsolicited resumes from external recruiters, recruitment vendors or employment agencies ("Recruiting Vendors"). Recruiting Vendors must have a valid written agreement and received prior written authorization from an authorized Brown & Brown representative before submitting candidates for any publicly posted role. Any unsolicited resumes submitted to Brown & Brown or its employees become the property of Brown & Brown, and no fees will be paid for such submissions. Additional information regarding this policy can be found on our careers page.

The Power To Be Yourself

As an Equal Opportunity Employer, we are committed to fostering an inclusive environment comprised of people from all backgrounds, with a variety of experiences and perspectives, guided by our Diversity, Inclusion & Belonging (DIB) motto, “The Power to Be Yourself”.

Welcome

We think of ourselves as a team, so we have teammates - not employees. We strive to attract people who are competitive, driven, and disciplined. Built on meritocracy, our unique company culture rewards self-starters and those who are committed to doing what is best for our customers.

About Us

Founded in 1939 as a small, two-partner firm, Brown & Brown (NYSE: BRO) and our team of companies have grown into one of the world’s largest insurance brokerages while staying true to our foundation of trust, resilience, and delivering results. With a team that is as connected locally as it is globally, our high-performing, highly collaborative team delivers innovative risk and insurance solutions.

We look for individuals who embrace our culture, thrive in a collaborative environment, are driven to grow and succeed, and are committed to always doing what is right. With a unique culture built on integrity, superior capabilities and grit, we value teamwork, trust and courage. We think of ourselves as a team, so we have teammates—not employees, and leaders—not managers. Everything we do is about the greater “WE”—never “me.” While diverse in abilities and experience, we are all connected through our core values, a commitment to our local communities and a shared mission—always doing what is best for our customers.

Recruiting Vendor Disclosure Statement

Brown & Brown and its affiliates maintain an internal recruiting team responsible for filling open roles posted to the public. In certain situations, Brown & Brown may supplement its internal capabilities by engaging external recruiting vendors and employment agencies (“Recruiting Vendors”). Recruiting Vendors are not authorized to submit resumes, share candidate data, or directly or indirectly contact Brown & Brown employees to present candidates for employment opportunities. The only exception applies to Recruiting Vendors with an active Valid Agreement (as defined below) that has been approved by Brown & Brown.

In accordance with this policy, and to ensure appropriate authorization for sharing candidate personal information, Brown & Brown will not accept unsolicited resumes from any source other than Authorized Recruiting Vendors with a Valid Agreement in place who have been expressly invited to support a specific role. Any unsolicited resumes, incomplete submissions, or candidate data received through any means (including email or otherwise) will be considered the property of Brown & Brown. Brown & Brown will not pay any placement or related fees for unsolicited submissions or candidate data provided in violation of this policy. Such submissions may be used by Brown & Brown without any obligation to pay fees of any kind to Recruiting Vendors.

A Valid Agreement is defined as a written contract signed by an authorized representative of Brown & Brown. In the absence of a Valid Agreement, Brown & Brown assumes no liability under any legal theory, including but not limited to breach of contract, breach of implied contract, tortious interference, quantum meruit, any/or any other contractual or equitable claims in connection with candidates identified through unsolicited submissions made in violation of this policy.

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