Harford Mutual Insurance

WHO WE ARE:

Harford Mutual Insurance Group is a growing, dynamic mutual insurance carrier providing commercial property and casualty insurance products and services to a regional market. Headquartered in Harford County, Maryland, Harford Mutual offers a positive, diverse, and inclusive work environment with a rich company culture. Founded in 1842 on the principles of mutuality, we believe in insuring opportunity through mutual success® for our policyholders, agents, communities, and employees, and invite our employees to continue that tradition with respect, integrity, exemplary service, and personal responsibility.

Listed within this posting is the anticipated salary range for this position, plus variable incentive compensation. The final salary offered to a successful candidate may vary and will be dependent on several factors that include, but are not limited to, your business experience, education, and individual capacity. Harford Mutual is a multi-state employer, and this salary range may not reflect positions that work in other states.

THE OPPORTUNITY:

Harford Mutual 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. 

WHAT YOU’LL DO:

Underwriting (Weeks 1 – 3)

• 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

Loss Control (Weeks 4 – 6)

• 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.

Claims (Weeks 7 – 9)

• 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.

WHAT YOU’LL BRING:

• Must be a full-time undergraduate student pursuing a degree in Risk & Insurance Management, Occupational Safety, EHS, Business or related field.

WHO YOU ARE:

• 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 oral, written, and interpersonal communication skills
• 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

KEY BENEFITS GAINED FROM INTERNSHIP

• 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

PHYSICAL DEMANDS & WORK ENVIRONMENTAL FACTORS:

The physical demands described above are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

EEO STATEMENT:

Harford Mutual Insurance Group provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

Most new hires fall within this range and have the opportunity to earn more over time. Initial placement within the salary range, however, is based on an individual's relevant knowledge, skills and experience for the position.

Base salary is only one component of our competitive Total Rewards package. To learn more, please visit the Perks & Benefits on our website.