CAREERS

Job Postings

CURRENT OPENINGS


Underwriting Summer Intern

Information Technology Summer Intern

Actuarial Science Summer Intern

Auto Claims Supervisor

Auto Liability Claims Examiner

Middle Market Commercial Underwriter

Regional Business Development Manager

Chief Underwriting Officer

 



Underwriting Summer Intern

Job Summary

Harford Mutual is seeking Underwriting Interns to support the Commercial Business Team during the summer of 2018.  This position is for individuals currently enrolled in an accredited college or university, pursuing career opportunities in Risk and Insurance Management or related field.

Essential Duties

  • Support Underwriting through the performance of specific tasks.
  • These tasks will include; but not limited to the renewal of small BOP policies, review of inspection reports, and financial reports, and the processing of endorsements.
  • Interns will go through extensive training to support these activities.
  • Performs other duties or special projects as required or as assigned by a supervisor.

Education/Training Requirement

  • Must be a full-time undergraduate or graduate student pursuing a degree in Risk and Insurance Management or related field
Experience
  • None required
Knowledge, Skills, and Abilities
  • Strong oral, written, and interpersonal communications skills
  • Resourceful/Problem Solver
  • Strong collaboration skills, and an ability to work effectively both independently and as part of a team
  • Comfortable in a fast-paced environment with frequent deadlines; high energy, self-motivated and proactive
Key Benefits Gained from the Internship
  • Coached and mentored by Harford Mutual leadership.
  • Acquire relevant underwriting experience.
  • Gain technical foundation and acquire leadership skills, along with cross-functional process knowledge.
  • Work on tasks that have a measurable impact on our business.
  • Potential leadership growth.

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Information Technology Summer Intern

Job Summary

Harford Mutual is seeking IT Interns to support the Information Technology Team during the summer of 2018.  This position is for individuals currently enrolled in an accredited college or university, pursuing career opportunities in Information Technology (IT).  The IT intern may take on one or more roles including application development, support, business requirement analysis and specification, and testing.  The IT Intern will be assigned to an IT team and will have an opportunity to gain experience with professional software development processes and practices, and will have a hands-on role in the team’s project and/or support activities.

Essential Duties

  • Complete development tasks in development languages to address defects and deploy fixes
  • Prepare test plans
  • Execute test cases to ensure solution is working as expected, capture results, identify and communicate issues
  • Collaborate with cross-functional team members
  • Track and communicate relevant quality assurance metrics and information
  • Identify opportunities to automate QA processes and leverage tools and methodologies to improve testing practices
  • Offer suggestions to simplify and streamline applications
  • Contribute and complete development assignments associated to project work as needed
  • Review applications and provide perspective on ease-of-use
  • Performs other duties or special projects as required or as assigned by a supervisor.

Education/Training Requirement

  • High school diploma or equivalent required
  • Must be currently enrolled in an accredited college or university — information technology related field of study such as computer science, information science, computer engineering, software engineering preferred. 
Experience
  • None required
Knowledge, Skills, and Abilities
  • Knowledge of System Development lifecycle methodologies including analysis, design, development, testing, implementation, and maintenance.
  • Knowledge of database structure, schema design, and application development concepts.
  • Strong collaboration skills, and an ability to work effectively both independently and as part of a team
  • Comfortable in a fast-paced environment with frequent deadlines; high energy, self-motivated and proactive
Key Benefits Gained from the Internship
  • Coached and mentored by Harford Mutual leadership.
  • Acquire relevant development experience.
  • Gain technical foundation and acquire leadership skills, along with cross-functional process knowledge.
  • Work on tasks that have a measurable impact on our business.
  • Potential leadership growth.

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Actuarial Science Summer Intern

Job Summary

Harford Mutual is seeking an Actuarial Science Intern to support the Product Management Team during the summer of 2018.  This position is for individuals currently enrolled in an accredited college or university, pursuing career opportunities in Actuarial Science or Mathematics.

Essential Duties

  • Supporting Product Management through the performance of actuarial tasks.
  • Creating new tools or ad hoc reports; assessing the quality of existing tools and offering recommendations for improvement; data acquisition and quality review.
  • Preparing experience analyses; researching competitive information.
  • Developing rate review package and presenting findings/recommendations; preparing rate filing exhibits
  • Delivering a formal report on his/her experience at the completion of the internship.
  • Performs other duties or special projects as required or as assigned by a supervisor.

Education/Training Requirement

  • High school diploma or equivalent required
  • Must be a full-time undergraduate or graduate student pursuing a degree in Actuarial Science, Mathematics, Statistics, Risk and Insurance Management or related field.
  • At least one entry-level exam passed is highly desirable. 
Experience
  • None required
Knowledge, Skills, and Abilities
  • Strong oral, written, and interpersonal communications skills
  • Resourceful/Problem Solver
  • Strong collaboration skills, and an ability to work effectively both independently and as part of a team
  • Comfortable in a fast-paced environment with frequent deadlines; high energy, self-motivated and proactive
Key Benefits Gained from the Internship
  • Coached and mentored by Harford Mutual leadership.
  • Acquire relevant actuarial experience.
  • Gain technical foundation and acquire leadership skills, along with cross-functional process knowledge.
  • Experience in developing and documenting key processes.
  • Work on tasks that have a measurable impact on our business.
  • Potential leadership growth.

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Auto Claims Supervisor

Job Summary

Harford Mutual is seeking a Claims Supervisor to oversee the evaluation and processing of all commercial auto claims. Candidates will be expected to efficiently and competently manage staff handling bodily injury, property/physical damage, and Underinsured/Uninsured exposures in Mid-Atlantic Region. This position requires comprehensive knowledge of commercial automobile coverages, familiarity with proper claims handling procedures, experience with evaluating bodily injuries, and understanding of liability principles and automobile case law.  Familiarity with MD, DE, NJ and PA Uninsured/Underinsured Motorists’ coverage is a plus.

Essential Duties

  • Oversight for some litigation management within the unit.
  • Supervise claims representatives, examiners and adjusters.
  • Ensure that appropriate reserving techniques are being used.
  • Audit claim files for compliance with Market Conduct and Claims Service Guidelines.
  • Provide settlement authority to claims examiners where needed.
  • Provide supervision, training, and direction to personnel regarding proper coverage analysis, claim investigation, loss evaluation, file documentation, and customer service.
  • Maintain a diary of select cases that present significant loss exposures and/or coverage issues.
  • Provide necessary information to reinsurers.
  • Ensure compliance with Unfair Claims Practice laws in each state.
  • Effectively work with other departments on matters that affect the entire company.
  • Participate and encourage others to engage in continuing education.
  • Evaluate overall performance and expenses of independent adjusters/ appraisers.
  • Prepare and conduct employee performance evaluations.
  • Performs other duties or special projects as required or as assigned by a supervisor.

Job Requirements

  • Four-year college degree or comparable work experience
  • 1-3 years of supervisory experience a plus
  • Minimum 5 years combined auto liability and/or casualty experience required, and familiarity with MD, DE, NJ and PA Uninsured/Underinsured Motorists’ coverage is a plus.
  • Possess knowledge and understanding of commercial auto coverage.
  • Possess knowledge and understanding of claims workflow and investigative process
  • Completion of the AIC designation or participation in the CPCU program
  • Understanding and appreciation of technical matters such as coverage analysis, customer service, investigative quality, appropriate file documentation, timely and adequate reserving, injury evaluation, and loss adjustment expense control.
  • Strong collaborating skills, and an ability to work effectively both independently and as part of a team.
  • Comfortable in a fast-paced environment with frequent deadlines; high energy, self-motivated and proactive.
  • Excellent communication and interpersonal skills
  • Ability to multitask, and be flexible with regard to workload and assignments. 

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Auto Liability Claims Examiner

Job Summary

Harford Mutual is seeking a Claims Examiner to review, evaluate and process third-party, commercial auto claims. Candidates will be expected to efficiently and competently handle bodily injury, property damage, and extended medical benefits claims in Mid-Atlantic Region. This position requires comprehensive knowledge of commercial automobile coverages, familiarity with proper claims handling procedures, experience with evaluating bodily injuries, and understanding of liability principles and auto case law.  Familiarity with MD, DE, NJ and PA Uninsured/Underinsured Motorists’ coverage is a plus.

Essential Duties

  • Conducts prompt and thorough investigation of claims within departmental and regulatory guidelines.
  • Documents claim file activity and telephone conversations appropriately.
  • Pro-actively communicates with claimants, policyholders, and underwriters to resolve investigative issues.
  • Establishes, communicates and manages claimant and policyholder expectations.
  • Evaluates bodily injury and property damage exposures.
  • Utilizes most efficient means to obtain claim information.
  • Acts in full compliance with departmental procedures and Unfair Claims Practice regulations.
  • Responds to customer service issues within required timeframes.
  • Investigates claim personally or through assignment of adjusters, attorneys, experts, and/or appraisers.
  • Collaborates with team members and management in identifying and implementing improvement opportunities.
  • Performs other duties or special projects as required or as assigned by a supervisor.

Job Requirements

  • Four-year college degree or comparable work experience
  • Minimum 3-5 years combined auto liability and/or casualty experience required, and familiarity with MD, DE, NJ and PA Uninsured/Underinsured Motorists’ coverage is a plus.
  • Completion of the AIC designation or participation in the CPCU program
  • Strong collaborating skills, and an ability to work effectively both independently and as part of a team
  • Comfortable in a fast-paced environment with frequent deadlines; high energy, self-motivated and proactive
  • Excellent communication and interpersonal skills
  • Ability to multitask, and be flexible with regard to workload and assignments 

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Middle Market Commercial Underwriter

Job Summary

The Middle Market Commercial Underwriter will analyze new and renewal commercial risks for Middle Market accounts and decides whether to provide coverage and if so under what conditions.  This position will also focus on developing the relationships with producers and by focusing on the sales aspect of Underwriting.   The Middle Market underwriter serves as a vital link between company personnel, independent agencies, and vendors.  This role will be based in the Charlotte, North Carolina metro area and responsible for Harford Mutual’s southern states.

Essential Duties

  • Solicit, underwrite and sell new business accounts within the framework of company underwriting guidelines.
  • Evaluate renewal accounts by reviewing experience, correspondence, and inspections to determine if the account should be non-renewed, renewed, or modified.
  • Service accounts as result of requests for action or information received by phone, email, or in person from agents and policyholders in order to develop and maintain sound working relationships with agents.
  • Establish and maintain a pipeline of new business accounts as well as identify cross-sell and up-sell opportunities.
  • Provide recommendations (which are requirements for continuation of coverage) to agents on certain risks based on inspection reports and control compliance through follow-up with agents.
  • Review and analyze claim reports and decide if the cause of loss requires underwriting action and if so, notify agent of the decision.
  • Complete file documentation according to company requirements.
  • Submit selected risks for reinsurance based on the line of business, size and type of risk involved, and the reinsurance agreement we have with the reinsurer.
  • Provide training, guidance, and counseling to commercial business service staff.
  • Frequently meet with assigned agents to develop and maintain relationships.
  • Maintain links with professional organizations, other company agents and personnel, etc. to stay abreast of changing market conditions.
  • Work in unison with agents and other departments to grow and maintain a profitable book of business.
  • 20% - 30% travel is required for the assigned territory
  • Performs other duties or special projects as required or as assigned by a supervisor.

Job Requirements

  • Minimum Bachelor’s Degree; Degree in Risk and Insurance Management preferred
  • Minimum of  3-5 years commercial lines underwriting and/or marketing experience
  • Previous experience in writing Middle Market accounts is preferred
  • Completion of or participation in the CPCU or CIC programs
  • Ability to work with mathematical concepts such as probability and statistical inference
  • Strong collaborating skills, and an ability to work effectively both independently and as part of a team
  • Comfortable in a fast-paced environment with frequent deadlines; high energy, self-motivated and proactive
  • Excellent communication and interpersonal skills
  • Ability to multitask, and be flexible with regard to workload and assignments
  • Ability to exercise judgment

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Regional Business Development Manager

Job Summary

The Regional Business Development Manager will focus on managing production underwriting, business development, and staff in order to increase written premium, improve loss ratio and retention, and increase Company name recognition. In addition, maintain a high level of customer service and further develop the business potential within our operating territories while drawing upon the strategic direction of the corporation and the commercial business services department.  This role will be based in the Charlotte, North Carolina area and responsible for Harford Mutual’s southern states.

Essential Duties

  • Responsible for the premium development and loss experience of the commercial lines book of business.
  • Management of Production Underwriters and support staff within the unit.  Provides mentoring, leadership and training to production underwriters.
  • Participate in the development of marketing strategies, underwriting policy, pricing strategies, product development, and agency Internet services.
  • Responsible for increasing the company’s presence within the geographic territories in which we operate, and improving the quality of the agency plant within those territories. 
  • Business Development Manager must know the business climate of the territories/states managed, to include legal conditions, market trends and competitor actions.  Must possess a strong understanding of the company’s overall strengths, weaknesses, opportunities, and threats in each territory managed.  The business development manager must provide leadership to the production underwriters in finding solutions to problems and ways to exploit the opportunities.
  • Work closely with the production underwriters to identify business opportunities within operating territory.  Strategies are developed and presented to the corporation on how to capitalize on opportunities within the territory.
  • Assists in the development of the annual business development plan.
  • Responsible for the execution of the corporate strategies and business plan within their operating territory. 
  • Performs other duties or special projects as required or as assigned by a supervisor.

Job Requirements

  • Minimum Bachelor’s Degree
  • At least 10 years commercial lines underwriting and/or marketing experience
  • Completion of or participation in the CPCU or CIC programs
  • Ability to work with mathematical concepts such as probability and statistical inference
  • Strong collaborating skills, and an ability to work effectively both independently and as part of a team
  • Comfortable in a fast-paced environment with frequent deadlines; high energy, self-motivated and proactive
  • Excellent communication and interpersonal skills
  • Ability to multitask, and be flexible with regard to workload and assignments
  • Ability to exercise judgment 

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Chief Underwriting Officer

Job Summary

Harford Mutual is seeking a Chief Underwriting Officer to lead the Commercial Business department.  This position oversees the underwriting function for the company, sets and manages various commercial underwriting strategies, ensures proper staffing of trained personnel, maintains service standards, commits that file quality expectations are established and maintained, and efficient workflows are implemented.

Essential Duties

  • Assess current and future needs of Underwriting in areas of staffing, workflow, automation, and take necessary action to meet these needs.
  • Ensure department’s compliance with insurance laws and regulations, establish and enforce service guidelines.
  • Works effectively with other department heads to ensure achievement of corporate strategic objectives.
  • Participates in corporate Strategic Planning process.
  • Ensure strong agency/customer relationships through collaboration with other CBS leaders and general staff development.
  • Analyzes Underwriting experience and takes appropriate action to achieve loss ratio objectives.
  • Responsible for establishing and enforcing premium growth and profit goals for underwriters.
  • Establish and enforce underwriting standards and policies consistent with corporate strategies.
  • Responsible for the development of performance objectives and training needs of the underwriting staff, as well as conduct performance reviews.
  • Provides general staff development through coaching, mentoring, training. Sets training and education expectations.
  • Reviews and ensures compliance with reinsurance contracts pertaining to Underwriting operation.
  • Establish and manage budget projections for the Underwriting Department.
  • Participate in Product Development, Rate Review, Agency Review, and other committees, as assigned.

Job Requirements

  • Minimum of Bachelor’s Degree; Risk and Insurance Management degree is preferred
  • MBA is a plus
  • Completion of AU or CPCU programs
  • Minimum of fifteen (15)  years of commercial property and casualty underwriting experience
  • Previous supervisory or managerial experience is required
  • Demonstrated ability to effectively lead, coach and develop a large underwriting staff.
  • Strong collaborating skills, and an ability to work effectively both independently and as part of a team
  • Comfortable in a fast-paced environment with frequent deadlines; high energy, self-motivated and proactive
  • Excellent customer service and interpersonal skills
  • Ability to multitask, and be flexible with regard to workload and assignments 

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All Employees Enjoy These Company Benefits

  • Health, dental, prescription drug and vision coverage
  • Health Savings Account (HSA) with contribution by company
  • Flexible spending accounts
  • 401(k) Plan with company match
  • Competitive Paid Time Off
  • Group term life insurance
  • Long term disability
  • Accidental death & dismemberment insurance
  • Educational assistance
  • Free parking
  • Business casual dress code

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When applying for an OPEN position with Harford Mutual, please e-mail (with the job title in the subject line), fax (410-420-6277), or mail your resume to:

Harford Mutual 
ATTN: Human Resources 
200 North Main Street 
Bel Air, MD 21014-3544

 

Harford Mutual Insurance Company is an Equal Opportunity Employer