Underwriting Specialist

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

As an Underwriting Specialist at Oxford Risk Management Group, you will be required to execute critical thinking and should have strong communication skills, a high level of organization, the ability to multitask often, and be able to consistently provide world-class customer service to our clients. The Underwriting Specialist must be creative and enjoy working within a small, entrepreneurial environment that is mission-driven, results-driven, and community oriented. The ideal candidate will have extensive knowledge of Property & Casualty insurance programs, including Commercial Property, Auto, General Liability, and GAP Coverage, and the ability to exercise good judgment in a variety of situations, with strong written and verbal communication, administrative and organizational skills, and the ability to maintain a realistic balance among multiple priorities. The Underwriting Specialist will have the ability to work independently on projects, from conception to completion, and must be able to work under pressure at times to handle a wide variety of activities and confidential matters with discretion.

Your Impact

• Analyze Property & Casualty insurance policies, including Commercial Property, Commercial Auto, General Liability, and GAP Coverage, for completion and to identify gaps in coverage.
• Analyze loss runs and claims history and propose appropriate underwriting terms, conditions, and risk mitigation recommendations as necessary.
• Complete commercial policy intake forms and gather underwriting information related to P&C exposures.
• Conduct underwriting calls with clients to discuss uninsured or underinsured risks across property, liability, auto, and GAP programs, and obtain appropriate data for actuarial pricing.
• Review policy renewal information, develop and underwrite a renewal position, and provide a quote summary with supporting documentation to be approved for sign-off.
• Submit case files for risk analysis reporting and actuarial pricing.
• Review large amounts of information and raw data for accuracy and completeness.
• Evaluate client exposures and recommend appropriate coverage enhancements to address property, casualty, auto liability, physical damage, general liability, and GAP-related risks.
• Send underwriting documents to clients to support suggested eligible coverages for the current policy year.
• Explain definitions and applications of Oxford’s various lines of coverage, with an emphasis on Property & Casualty, Auto, General Liability, and GAP Coverage solutions.
• Review and coordinate with the Claims Department for underwriting sign-off and claims trend analysis.
• Maintain knowledge of industry trends, underwriting guidelines, regulatory requirements, and emerging risks impacting the Property & Casualty insurance marketplace.

Successful Candidate Will Have

• Bachelor’s degree required.
• 5+ years of underwriting experience required.
• 2+ years of experience reviewing and underwriting Property & Casualty insurance policies, including Commercial Auto, General Liability, and GAP Coverage programs, and servicing claims required.
• P&C license or industry designation preferred.
• Strong Property & Casualty background reviewing policies to ensure complete files, identifying gaps in coverage, and evaluating complex risk exposures.
• Knowledge of underwriting principles related to Commercial Property, Commercial Auto, General Liability, Umbrella/Excess Liability, and GAP Coverage products.
• Experience analyzing loss runs, claims trends, exposure data, and renewal information to support underwriting decisions.
• Demonstrated proactive approaches to problem-solving with strong decision-making capabilities.
• Highly resourceful team player, with the ability to also be extremely effective independently.
• Captive insurance experience is preferred.

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”.