Underwriter

Job Title Excess Liability Insurance Underwriter Department Brooks Insurance Agency Company Overview Brooks Insurance Agency is the wholesale brokerage of Venbrook Group, LLC, a holding company with subsidiaries engaged in retail broking, wholesale broking, programs, and claims services. It operates as an independent, multi‑line wholesaler in the property and casualty marketplace, providing coverage on both an excess and surplus (E&S) and admitted basis. Brooks focuses on standard markets and specializes in distressed and complex lines of business, using its strong premium volume to reinforce carrier relationships and offer priority submission review and exceptional service. Job Summary The Excess Liability Insurance Underwriter evaluates, selects, and prices excess and surplus (E&S) casualty risks within delegated underwriting authority. This technical carrier underwriting role focuses on sound risk selection, disciplined pricing, portfolio profitability, and documentation quality across a broad range of target classes including contracting/wrap‑up/project‑specific risks, product liability, service classes, real estate, and institutional exposures. The underwriter makes binding decisions on new business, renewals, and endorsements under the carrier’s underwriting guidelines and appetite. Responsibilities Analyze complex excess casualty risk submissions, including underlying primary programs, loss history, and exposure data. Evaluate risks across target classes including contracting/wrap‑up/project‑specific, product liability, service classes, real estate, and institutional exposures. Underwrite excess and surplus (E&S) lines submissions that fall outside standard market appetite; make binding decisions on new business, renewals, and endorsements within delegated underwriting authority. Determine appropriate coverage structures, attachment points, limits, terms, conditions, and endorsements in accordance with underwriting guidelines. Refer risks outside delegated authority to senior underwriting leadership with a clear, documented recommendation. Apply surplus lines regulatory knowledge in structuring and transacting placements appropriately. Maintain a profitable book of business through disciplined risk selection and consistent application of underwriting guidelines. Monitor loss trends, emerging risks, and E&S market conditions; adjust underwriting strategies accordingly. Collaborate with carrier actuarial teams to refine pricing models and ensure rate adequacy. Identify and raise portfolio‑level concerns, deteriorating segments, or appetite shifts to leadership. Participate in audits and internal reviews to ensure compliance with underwriting standards. Maintain effective working relationships with wholesale brokers; communicate decisions clearly and professionally. Provide guidance to brokers on risk characteristics, carrier appetite, and submission requirements. Represent the carrier at industry events, broker meetings, and training sessions as appropriate. Prepare clear, accurate underwriting files that document the basis for each binding decision; ensure all transactions adhere to surplus lines regulatory requirements, internal policies, and delegated authority limits. Maintain thorough knowledge of underwriting guidelines, carrier appetite, and state‑specific insurance laws; stay current on legal developments and emerging excess casualty liability trends. Qualifications 5+ years of experience in excess casualty or surplus lines underwriting, making binding decisions within a delegated authority framework. Strong technical knowledge of E&S casualty coverage structures, attachment points, and pricing methodology. Ability to analyze complex risk submissions, loss data, and exposure information to reach sound underwriting conclusions. Solid understanding of surplus lines regulations and E&S market placement. Excellent written and verbal communication skills, including clear documentation and defense of underwriting decisions. Proficiency with underwriting platforms, rating tools, and productivity software. Professional designations such as CPCU, ARM, or AU are preferred. Experience underwriting across multiple casualty classes including contracting, product liability, real estate, and institutional risks. Familiarity with actuarial pricing models and loss development concepts. Education & Experience Bachelor’s degree in business, finance, risk management, or a related field. Additional professional designations such as CPCU, ARM, or AU are preferred. #J-18808-Ljbffr