Sr. Underwriting Specialist

One80 Intermediaries Inc.; Maryland; Hybrid; USD 140,000 - 145,000; Full time

Benefits offered by this job

Health benefits

401k match

Tuition reimbursement

Paid time off

Job summary

Oxford Risk Management Group seeks a Senior Underwriting Specialist to independently underwrite complex Commercial Casualty risks, with emphasis on Commercial Auto, GL, and Excess Liability. You will analyze risk factors and pricing to recommend coverage structures and captive participation.

The role requires seven+ years in underwriting, strong knowledge of ISO/non-ISO forms, and experience with admitted/non-admitted markets, plus exceptional analytical and communication skills.

Qualifications

• Bachelor’s degree and 7+ years of progressive Commercial Property & Casualty underwriting experience.
• Significant underwriting experience with Commercial Auto, GL, and Excess Liability.
• Strong knowledge of ISO and non-ISO forms, endorsements, and manuscript forms.
• Experience with admitted, non-admitted, and surplus lines placements.
• Knowledge of trucking/transportation risk indicators and fleet operations.

Responsibilities

• Underwrite new and renewal Commercial Casualty accounts, focusing on Auto, GL, and Excess Liability.
• Analyze operations, loss experience, financials and risk management to support pricing and program structure.
• Provide well-supported recommendations on coverage terms, limits, retentions, and captive participation.
• Review policies and endorsements; assess interactions across policy layers and exclusions.
• Identify gaps, conflicts, and unintended coverage grants; ensure proper placement structure.
• Leverage knowledge of admitted/non-admitted/surplus lines markets for placements.
• Develop expertise in trucking/transportation industry risks and safety indicators.
• Analyze loss runs and claims data to inform risk selection and pricing decisions.

Skills

Strong underwriting judgment

Analytical thinking

Advanced Excel

Communication skills

Team collaboration

Education

Bachelor's degree in a relevant field

Professional designation (CPCU/AU/ARM/CIC) preferred

Tools

MS Office Suite

Job description

## Sr. Underwriting SpecialistApply: Remote - Maryland: Full time: Posted 7 Days Ago: R26\\_0000003201Built 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 Annual*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.*