Rotational Insurance Intern

Harford Mutual Insurance Group • Bel Air, MD

3d • $15 - $21 • Onsite

About The Position

Harford Mutual Insurance Group is looking for a rotational Intern who will rotate through and support the Underwriting, Loss Control, and Claims teams during summer of 2027. This position is for full-time students who are currently enrolled in an accredited college or university pursuing career opportunities in Risk & Insurance Management, Occupational Safety, EHS, Business or related field.

Requirements

• Must be a full-time undergraduate student pursuing a degree in Risk & Insurance Management, Occupational Safety, EHS, Business or related field.
• Strong oral, written, and interpersonal communications skills
• Resourceful/problem solving skills
• Ability to thrive in a fast-paced environment with frequent deadlines; high energy, self-motivated and proactive
• Strong collaborating skills, and an ability to work effectively independently and as part of a team
• Comfortable in a fast-paced environment with frequent deadlines; high energy, self-motivated and proactive

Responsibilities

• Support Underwriting through the performance of specific tasks – including, but not limited to underwriting of new business files, processing policy changes, and review of supplemental information (loss runs, MVR’s, financial data, inspections, etc.)
• Receive hands-on training in a variety of areas including Harford Mutual appetite, target classes, underwriting processes, systems, and general insurance knowledge
• Attend agency visits with Business Development Specialist, to gain knowledge of the insurance policy life cycle.
• Participant in various Underwriting team meetings such a Large Loss review, Large Account Renewal and weekly business unit sync ups
• Conduct Loss Control survey ride-alongs to gain exposure to the different industries, risk characteristics and field survey practices.
• Assist with loss control data reporting and analytics related to survey reports, recommendations, and post-survey underwriting decisions.
• Use survey, recommendation, and loss trend data to research tools, technology, or process improvements that could be incorporated to help prevent losses at a portfolio level.
• Support Claims Operations by performing a variety of claim-related tasks, including taking First Notices of Loss (FNOL), assisting with low-complexity first-party claims, reviewing policies and damage documentation, conducting claim file research, and supporting operational and system-related processes.
• Gain exposure to claim handling workflows, customer service, coverage analysis, and claim documentation standards.
• Conduct Loss Trend Analysis and Operational Research by reviewing claim data to identify emerging trends, common causes of loss, and potential areas of risk.
• Develop insights and recommendations that support loss mitigation efforts, liability and coverage evaluations, recovery opportunities, and strategic initiatives within Claims, Underwriting, and Loss Control.

Benefits

• Coaching and mentorship by Harford Mutual leadership
• Acquiring experience relevant to the insurance industry
• Building a technical foundation, leadership skills, project experience, and cross-functional process knowledge
• Working on tasks that have a real impact on our business

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: No Education Listed