Underwriter

About this role

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. As an independent, multi‑line wholesaler in the property and casualty marketplace, Brooks Insurance provides coverage on both an excess and surplus (E&S) and admitted basis.

Brooks Insurance works across standard markets and specializes in distressed and complex lines of business. Our strong premium volume reinforces our carrier relationships, positioning Brooks Insurance as a preferred partner and ensuring priority submission review and exceptional service.

Brooks Insurance is the wholesale brokerage of Venbrook. At Venbrook, we envision a world where our clients can confidently pursue their boldest ambitions. Our team of experts leverages agility, innovation, and creative problem-solving to guide our clients through an ever-changing risk environment. We pride ourselves on providing insurance services that allow businesses to make bold decisions, knowing their risks are identified, assessed, and mitigated.

Our culture is derived from the people who create it. We are not different in what we do. We are different in how we do it. We believe our clients are our partners, and we earn their trust every day. We believe in empowering our team and holding ourselves accountable to deliver the best solutions. We value agility, versatility, innovation and creative problem solving and put our people at the core of everything we do.

We offer competitive compensation and a comprehensive benefits package:

401k + employee match

Medical, Dental, Vision, Life, and Disability Insurance

Paid Time Off (PTO)

Paid Holidays

Paid Parental leave

Paid Sick leave

Professional development programs

Work-life quality and flexibility

Visit us at
JOB SUMMARY:
The Excess Liability Insurance Underwriter evaluates, selects, and prices excess and surplus (E&S) casualty risks within delegated underwriting authority. This is a technical carrier underwriting role focused 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 works within the carrier’s underwriting guidelines and appetite to make binding decisions on new business, renewals, and endorsements.
POSITION REQUIREMENTS:
Sound Judgment & Underwriting Authority: Exercises disciplined analytical thinking to evaluate complex excess casualty risk exposures and make binding underwriting decisions within delegated authority limits. Balances risk quality with portfolio profitability.
Technical Underwriting Depth: Demonstrates strong command of excess and surplus lines casualty underwriting principles, coverage structures, attachment points, and pricing methodology across multiple target classes.
Portfolio & Market Awareness: Monitors loss trends, emerging risks, and E&S market conditions to proactively adjust underwriting strategies and maintain a profitable, disciplined book of business.
Broker & Carrier Collaboration: Builds and maintains effective working relationships with wholesale brokers and internal carrier teams. Communicates underwriting decisions clearly, including rationale for pricing, coverage structure, or declinations.
Attention to Detail & Documentation: Thoroughly reviews applications, loss history, and exposure data. Produces clear, accurate underwriting files that reflect sound decision-making and comply with carrier guidelines, surplus lines regulations, and audit standards.
DUTIES/RESPONSIBILITIES:
Risk Assessment & Underwriting Authority

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

Portfolio & Profitability Management

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 to adjust underwriting strategies

Collaborate with carrier actuarial teams to refine pricing models and ensure rate adequacy

Identify and escalate portfolio-level concerns, deteriorating segments, or appetite shifts to leadership

Participate in audits and internal reviews to ensure compliance with underwriting standards

Broker Engagement

Maintain effective working relationships with wholesale brokers within the carrier’s distribution model

Communicate underwriting decisions clearly and professionally, including rationale for pricing, structure, or coverage changes

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

Documentation & Compliance

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…