Underwriting Associate

001 Brown & Brown, Inc; Maryland; Hybrid; USD 41,000 - 58,000; Full time

Benefits offered by this job

Health Benefits

401k

Student Loan Help

Tuition Reimbursement

Mental Health Resources

Paid Time Off

Job summary

Brown & Brown, Inc. is seeking an Underwriting Associate to join our Sparks, MD team working with Oxford Risk Management Group.

You will support underwriting processes for Commercial Casualty and Enterprise Risk Management accounts and coordinate materials for review and binding decisions. The role requires a degree or 1–3 years in Property & Casualty insurance, strong analytical skills, and proficiency with MS Office.

Qualifications

• Bachelor’s degree or 1–3 years of Property & Casualty insurance experience.
• Familiarity with Commercial Auto, CGL, and Excess Liability coverage.
• Ability to review insurance policies, applications, endorsements, exposure information, and loss runs.
• Strong analytical and problem-solving skills.
• Ability to manage deadlines and maintain accurate underwriting documentation.
• Customer-service mindset with professional communication.
• Proficiency with Microsoft Office and ability to learn underwriting and policy management systems.

Responsibilities

• Supports Underwriters throughout the new business and renewal processes, including organizing documents and tracking requirements.
• Reviews submissions and coverage to prepare account materials and respond to internal questions.
• Prepares underwriting summaries, worksheets, and exposure analyses for evaluation and decision-making.
• Processes underwriting documents within authority and established procedures.
• Acts as liaison between Underwriters and other departments to address account-related matters.
• Drafts account-related correspondence and communicates with brokers or clients as directed.

Skills

Underwriting basics

Analytical skills

Attention to detail

Communication skills

Microsoft Excel

Time management

Education

Bachelor's degree or equivalent

Tools

Policy systems

CRM software

Job description

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.

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”.

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.

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.