Sr. Underwriting Specialist

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 in

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.

• 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.

• Property and Casualty insurance license and/or a recognized industry designation such as CPCU, AU, ARM, or CIC. (preferred)

• 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…