Built on meritocracy, our unique company culture rewards self-starters and those who are committed to doing what is best for our customers.
Oxford Risk Management Group is seeking a Senior Underwriting Specialist to join our growing team!
The Senior Underwriting Specialist will independently evaluate and underwrite complex Commercial Casualty risks, with an emphasis on Commercial Auto, Commercial General Liability, and Excess Liability. This role requires strong technical expertise, sound underwriting judgment, and the ability to develop well-supported coverage, pricing, and captive program recommendations.
How You Will Contribute:
- Independently underwrites new and renewal Commercial Casualty accounts, with primary emphasis on Commercial Auto, Commercial General Liability, and Excess Liability coverages.
- Evaluates large and complex risks by analyzing operations, exposures, loss experience, financial information, risk-management practices, coverage needs, and proposed program structure.
- Develops well-supported underwriting recommendations regarding risk selection, pricing, coverage terms, limits, deductibles or retentions, captive participation, attachment points, exclusions, and other conditions of coverage.
- Reviews and interprets Commercial Auto, Commercial General Liability, and Excess Liability policies, including ISO forms and endorsements, non-ISO forms, proprietary coverage forms, and manuscript endorsements.
- Applies a strong understanding of coverage mechanics to evaluate how definitions, exclusions, conditions, limits, aggregates, defense provisions, underlying insurance requirements, and endorsements interact within and across policy layers.
- Identifies coverage gaps, inconsistencies, unintended coverage grants, and conflicts between quoted terms, underlying policies, excess coverage, and issued policy documents.
- Applies knowledge of admitted, non-admitted, and surplus lines insurance markets, including the regulatory, filing, documentation, and procedural requirements associated with each placement structure.
- Develops and maintains strong knowledge of the trucking and transportation industry, including fleet operations, vehicle ownership and leasing arrangements, driver management, commodities hauled, operating radius, federal and state filings, safety performance, and emerging industry trends.
- Reviews motor-carrier information and transportation-specific risk indicators, including vehicle and driver schedules, operating authority, inspection and violation history, crash data, safety measurements, loss trends, and risk-control practices.
- Analyzes detailed loss runs and claims information to identify loss frequency, severity, development, open-claim concerns, litigation trends, and patterns that may affect risk selection, pricing, coverage, or program structure.
Licenses & Certifications:
- Property and Casualty insurance license and/or a recognized industry designation such as CPCU, AU, ARM, or CIC. (preferred)
Skills & Experience to be Successful:
- Bachelor’s degree and a minimum of seven years of progressively responsible Commercial Property and Casualty underwriting experience; an equivalent combination of education and relevant industry experience may be considered.
- Significant underwriting experience with Commercial Auto, Commercial General Liability, and Excess Liability coverages, including experience evaluating complex casualty risks.
- Strong technical knowledge of commercial insurance coverage forms, policy construction, and coverage mechanics, including ISO forms and endorsements, non-ISO forms, and manuscript endorsements.
- Demonstrated experience analyzing exposure information, loss runs, claims history, pricing considerations, and other underwriting data to develop well-supported risk-selection and coverage recommendations.
- Working knowledge of admitted, non-admitted, and surplus lines markets and the general requirements associated with each placement structure.
- Experience reviewing and evaluating policy terms, limits, deductibles or retentions, attachment points, exclusions, underlying insurance, defense provisions, and other material coverage conditions.
- Demonstrated ability to independently manage complex accounts, exercise sound underwriting judgment, and clearly document and communicate underwriting recommendations.
- Strong written, verbal, analytical, organizational, and interpersonal communication skills.
- Advanced proficiency in Microsoft Office, particularly Excel, with the ability to organize and analyze large and complex data sets.
- Underwriting experience within the trucking and transportation industry. (preferred)
- Experience underwriting captive insurance programs or other alternative-risk structures. (preferred)
- Experience working with actuaries to evaluate loss development, actuarial assumptions, projected losses, and account-specific loss selections. (preferred)
- Experience underwriting accounts involving multiple coverage lines, insurance layers, entities, jurisdictions, or complex program structures. (preferred)
Pay Range
$140,000 - $145,000 AnnualThe 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”.
Skills Required
- Bachelor's degree or equivalent combination of education and relevant industry experience
- Minimum seven years of progressively responsible Commercial Property and Casualty underwriting experience
- Significant underwriting experience with Commercial Auto, Commercial General Liability, and Excess Liability
- Strong technical knowledge of commercial insurance coverage forms, policy construction, ISO forms, non-ISO forms, and manuscript endorsements
- Experience analyzing exposure information, loss runs, claims history, pricing considerations, and underwriting data
- Working knowledge of admitted, non-admitted, and surplus lines markets
- Experience evaluating policy terms, limits, deductibles or retentions, attachment points, exclusions, underlying insurance, and defense provisions
- Ability to independently manage complex accounts and communicate underwriting recommendations
- Strong written, verbal, analytical, organizational, and interpersonal communication skills
- Advanced proficiency in Microsoft Office, particularly Excel
- Property and Casualty insurance license and/or CPCU, AU, ARM, or CIC designation
- Underwriting experience within the trucking and transportation industry
- Experience underwriting captive insurance programs or alternative-risk structures
- Experience working with actuaries to evaluate loss development, actuarial assumptions, projected losses, and account-specific loss selections
- Experience underwriting accounts involving multiple coverage lines, insurance layers, entities, jurisdictions, or complex program structures
Brown & Brown Insurance Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Brown & Brown Insurance and has not been reviewed or approved by Brown & Brown Insurance.
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Healthcare Strength — Healthcare offerings are broad, spanning medical/Rx, dental, vision, life, disability, and added programs alongside Lyra access with up to eight no‑cost coaching or therapy sessions for teammates and covered dependents. Breadth extends to fertility/adoption solutions, second‑opinion services, diabetes care, and Medicare advocacy.
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Retirement Support — The 401(k) program includes an employer match up to 4% (100% of the first 3% plus 50% of the next 2%) with immediate vesting. Savings support is positioned as a core element of the total‑rewards package.
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Equity Value & Accessibility — An Employee Stock Purchase Plan is available, and the company emphasizes an ownership mindset with a large share of teammates as shareholders. This creates accessible equity participation alongside retirement savings.
Brown & Brown Insurance Insights
What We Do
Brown & Brown Insurance provides risk management solutions to help protect what our customers value most. Our four business segments offer insurance products and services to businesses and individuals. Our culture is built on integrity, innovation, superior capabilities, and discipline. We view insurance differently and use our experience, carrier relationships, and principled customer focus to deliver first-class service and solutions. Becoming a Brown & Brown teammate introduces you to a career with virtually unlimited possibilities. We think of ourselves as a team, so we have teammates—not employees. We strive to attract people who are competitive, driven, and disciplined. Our unique company culture of meritocracy rewards self-starters and those committed to doing what is best for our customers. We are proud to be certified as a Great Place to Work ®. Brown & Brown has demonstrated a Culture of Caring through dedication to the people and communities we serve. With more than 11,000 teammates in over 300 locations across the US, Canada, Ireland, the UK, Bermuda, and the Cayman Islands, we actively support numerous organizations in the local communities in which we live, work, and play. With a long-standing history of proven success, Brown & Brown is one of the insurance industry’s most powerful and influential leaders, ranked as the fifth-largest brokerage in the US and sixth in the world. You can find us on the NYSE as BRO.
