Underwriter II

Built on meritocracy, our unique company culture rewards self-starters and those who are committed to doing what is best for our customers. Orchid Insurance, an Arrowhead Intermediaries company, is seeking an Underwriter II to join our growing team in Tampa, Vero Beach, or remotely. The Underwriter II is a highly skilled professional, proficient in all aspects of underwriting, including new business, renewals, and the integration of inspection findings to inform risk decisions. In this position, the Underwriter II is responsible for making informed decisions to approve, modify, or reject risks based on carrier underwriting guidelines. They evaluate documents related to personal lines insurance, such as past claims, inspection reports, losses, and the value and condition of properties. By assessing the degree of risk exposure, they make well-justified exceptions to guidelines, when necessary, all while safeguarding the company's profitability. How You Will contribute: Makes determinations to approve, modify, or reject a risk based on underwriting guidelines of the carrier. Evaluates more complex risks within all product lines and can modify or reject risks with moderate authority. Handles underwriting referrals for new and renewal business, particularly when risks require deeper analysis. Actively collaborates across departments (underwriting, operations, claims, marketing), contributes recommendations regarding products and performance, and acts as a resource and advocate for process improvements within their area of expertise. Adheres to carrier guidelines, participates in training sessions and/or actively keeps oneself up to date on current guidelines, and acts as a resource and advocates for process improvements within their area of expertise. Assists in training and onboarding new and less experienced underwriters as needed, provides guidance on processes, and offers informal mentoring. Provide phone/chat coverage to meet client service levels and offer backup support for the team inbox. Assists with internal and carrier-requested audits as needed by organizing and preparing audit files, including gathering required documents. May participate and complete assigned User Acceptance Testing (UAT) tasks that support all aspects of the business in partnership with IT. Actively engages with Distribution Team to create and maintain strong agency relationships by: Actively engaged with users to negotiate and close unsold new business quotes. Identifying cross-selling opportunities by explaining features, advantages and disadvantages of various policies to deliver and promote the sale of comprehensive insurance solutions to the agents/users. Makes periodic office visits and/or participation in onsite carrier meetings, as needed, to further strengthen the Orchid brand and customer relationships. Skills & Experience to Be Successful: Required: Education: High School diploma or equivalent required. Experience: 2 plus years of experience in personal lines underwriting or a related field. Proficient in all aspects of underwriting, including new business, renewals, and the integration of inspection findings to inform risk decisions. License: Possess or acquire and maintain a FL 2-20 insurance license or the equivalent as required by FL state. Non-resident Florida teammates possess or acquire and maintain the non-Florida resident state equivalent Property & Casualty license. Technical Skills: Proficient in Microsoft Office Suite (Word, Excel, Outlook). Excellent attention to detail and organizational skills. Effective verbal and written communication skills. Strong customer service orientation. Preferred: Possess or acquire and maintain a FL 1-20 insurance license or the equivalent as required by FL state. Non-resident Florida teammates possess or acquire and maintain the non-Florida resident state equivalent Excess & Surplus license. 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. Not reflective of all benefits. Enrollment waiting periods or eligibility criteria may apply to certain benefits. Benefit details and offerings may vary for subsidiary entities or in specific geographic locations. Recruiting Vendor Disclosure Statement Brown & Brown does not accept unsolicited resumes from external recruiters, recruitment vendors or employment agencies ("Recruiting Vendors"). Recruiting Vendors must have a valid written agreement and received prior written authorization from an authorized Brown & Brown representative before submitting candidates for any publicly posted role. Any unsolicited resumes submitted to Brown & Brown or its employees become the property of Brown & Brown, and no fees will be paid for such submissions. Additional information regarding this policy can be found on our careers page. 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. Brown & Brown and its affiliates maintain an internal recruiting team responsible for filling open roles posted to the public. In certain situations, Brown & Brown may supplement its internal capabilities by engaging external recruiting vendors and employment agencies (“Recruiting Vendors”). Recruiting Vendors are not authorized to submit resumes, share candidate data, or directly or indirectly contact Brown & Brown employees to present candidates for employment opportunities. The only exception applies to Recruiting Vendors with an active Valid Agreement (as defined below) that has been approved by Brown & Brown. In accordance with this policy, and to ensure appropriate authorization for sharing candidate personal information, Brown & Brown will not accept unsolicited resumes from any source other than Authorized Recruiting Vendors with a Valid Agreement in place who have been expressly invited to support a specific role. Any unsolicited resumes, incomplete submissions, or candidate data received through any means (including email or otherwise) will be considered the property of Brown & Brown. Brown & Brown will not pay any placement or related fees for unsolicited submissions or candidate data provided in violation of this policy. Such submissions may be used by Brown & Brown without any obligation to pay fees of any kind to Recruiting Vendors. A Valid Agreement is defined as a written contract signed by an authorized representative of Brown & Brown. In the absence of a Valid Agreement, Brown & Brown assumes no liability under any legal theory, including but not limited to breach of contract, breach of implied contract, tortious interference, quantum meruit, any/or any other contractual or equitable claims in connection with candidates identified through unsolicited submissions made in violation of this policy. If you are an existing Brown & Brown teammate, please click here to apply to a job on our internal career site.