Excess & Surplus - Underwriter

The Cincinnati Insurance Companies; Maryland; On-site; USD 75,000 - 140,000; Full time

Benefits offered by this job

Annual bonus

Stock incentives

Job summary

The Cincinnati Specialty Underwriters Insurance Company has an immediate opening for an experienced excess and surplus lines underwriter in Maryland. The candidate must reside in Maryland or near Fairfield, OH, with a December 2026 start date.

The pay range is $75,000 - $140,000 annually with eligible associates receiving an annual cash bonus and stock incentives based on performance. Be ready to underwrite and price surplus lines, collaborate with producers, and travel within the territory.

Qualifications

• Bachelor’s degree or extensive relevant excess and surplus lines underwriting experience.
• 5+ years of experience working with commercial lines property and casualty products is required.
• Prior excess and surplus casualty underwriting experience with a carrier, broker, or MGA is preferred.
• ASLI or CPCU designations preferred.
• Candidates with a carrier background will be given preference; training is provided in Cincinnati, OH, prior to deployment to regional territory.

Responsibilities

• Work in partnership with producers and an underwriting assistant to solicit, underwrite and price new and renewal surplus lines commercial property and casualty business.
• Determine risk acceptability, pricing, coverage, terms and conditions.
• Develop, analyze and evaluate information and exposures for complex risks.
• Achieve production and loss ratio goals within assigned regional territory.
• Work independently with a high level of authority and judgment.
• Determine need for and secure appropriate reinsurance on individual accounts.
• Mentor and train underwriters and underwriting assistants.
• Develop successful business relationships with producers and reinsurers.
• Research new products and coverage forms.
• Travel within assigned territory, may include overnight stays.

Skills

P&C underwriting

MS Word

MS Excel

MS Outlook

Interpersonal skills

Time management

Negotiation

Relationship building

Education

Bachelor’s degree

ASLI or CPCU designation

Tools

Microsoft Word

Microsoft Excel

Microsoft Outlook

Job description

Make a difference with a career in insurance

At The Cincinnati Insurance Companies, we put people first and apply the Golden Rule to our daily operations. To put this into action, we’re looking for extraordinary people to join our talented team. Our service-oriented, ethical, knowledgeable, caring associates are the heart of our vision to be the best company serving independent agents. We help protect families and businesses as they work to prevent or recover from a loss. Share your talents to help us reach for continued success as we bring value to the communities we serve and demonstrate that Actions Speak Louder in Person.

If you’re ready to build productive relationships, collaborate within a diverse team, embrace challenges and develop your skills, then Cincinnati may be the place for you. We offer career opportunities where you can contribute and grow.

Build your future with us

Our Cincinnati Specialty Underwriters Insurance Company has an immediate opening for an experienced excess and surplus lines underwriter in Maryland.

The candidate is required to reside within this territory or in proximity to our Fairfield, OH Headquarters. The projected start date for this role is December 2026.

The pay range for this position is $75,000 - $140,000 annually. The pay determination is based on the applicant’s education, experience, location, knowledge, skills and abilities. Eligible associates may also receive an annual cash bonus and stock incentives based on company and individual performance.

Be Ready To

• working in partnership with producers and an assigned underwriting assistant to solicit, underwrite and price new and renewal surplus lines commercial property and casualty business
• determine individual risk acceptability, pricing, coverage, terms and conditions
• develop, analyze and evaluate information and exposures for complex risks
• achieve production and loss ratio goals within assigned regional territory
• work independently with a high level of authority and judgment
• determine need for and secure appropriate reinsurance on individual accounts
• mentor and train underwriters and underwriting assistants
• develop successful business relationships with producers and reinsurers
• research new products and coverage forms
• travel within assigned territory which may include some overnight stays

Be Equipped With

• property and casualty underwriting experience
• proficient use of Microsoft Word, Excel and Outlook
• strong interpersonal skills
• organizational and time management skills
• strong decision-making, analytical, and negotiating abilities
• desire to build relationships and listen effectively
• ability to develop positive working relationships with team members and agents by working to find possible solutions that are beneficial to all
• skilled use of verbal communication to explain, negotiate and present information and an understanding of when to use verbal or written
• a valid driver’s license. Final candidates will also be subject to a Motor Vehicle Record background check, because the position may include a company vehicle

Bring Education Or Experience From

• bachelor’s degree or extensive relevant excess and surplus lines underwriting experience
• 5+ years of experience working with commercial lines property and casualty products is required
• prior excess and surplus casualty underwriting experience with a carrier, broker, or MGA is preferred
• ASLI or CPCU designations preferred
• candidates with a carrier background will be given preference; training is provided in Cincinnati, OH, prior to deployment to regional territory

Enhance your talents

Providing outstanding service and developing strong relationships with our independent agents are hallmarks of our company. Whether you have experience from another carrier or you’re new to the insurance industry, we promote a lifelong learning approach. Cincinnati provides you with the tools and training to be successful and to become a trusted, respected insurance professional - all while enjoying a meaningful career.

Enjoy Benefits And Amenities

Your commitment to providing strong service, sharing best practices and creating solutions that impact lives is appreciated. To increase the well-being and satisfaction of our associates, we offer a variety of benefits and amenities .

Embrace a diverse team

As a relationship-based organization, we welcome and value a diverse workforce. We grant equal employment opportunity to all qualified persons without regard to race; creed; color; sex, including sexual orientation , gender identity and transgender status ; religion; national origin; age; disability; military service; veteran status; pregnancy; AIDS/HIV or genetic information; or any other basis prohibited by law. All job applicants have rights under Federal Employment Laws. Please review this information to learn more about those rights.

US-Maryland