Accident & Health Underwriter

Lawes Insurance Recruitment; Birmingham; On-site; GBP 35,000 - 55,000; Full time

Job summary

A respected insurer is seeking an Accident & Health Underwriter to join their specialist team in Birmingham. This role offers a great opportunity for experienced A&H professionals or underwriters from other lines to pivot into personal accident and health insurance. The successful candidate will manage a varied portfolio, contribute to business development, and help shape the future of this niche product line.

Qualifications

• Experience in A&H underwriting is ideal but not essential.
• Open to candidates from other lines with a strong desire to move into A&H.
• Understanding of broker distribution in UK commercial markets is beneficial.

Responsibilities

• Underwrite new and renewal Accident & Health business.
• Assess risks including accident, travel, and medical expenses.
• Liaise with brokers and maintain strong relationships.

Skills

Risk assessment

Decision-making

Negotiation

Communication

Relationship-building

Detail-oriented

Technical understanding

Proactive mindset

Job description

Job title: Accident & Health Underwriter

Location: Birmingham

PURPOSE OF ROLE

Lawes Consulting is proud to be supporting a respected insurer in the search for an Accident & Health Underwriter to join their specialist team.

This role offers an excellent opportunity for experienced A&H professionals or underwriters from other commercial lines who are eager to pivot into the growing and dynamic world of personal accident, health, and travel-related risk.

The successful candidate will underwrite a varied portfolio, contribute to business development, and help shape the future of this niche product line.

RESPONSIBILITIES

• Underwrite new and renewal Accident & Health business across personal, group, and corporate schemes
• Assess risks including accident, travel, medical expenses, and related covers
• Price risks within authority, ensuring profitability and underwriting discipline
• Liaise with brokers and intermediaries to build and maintain strong relationships
• Assist in the development of new products and market propositions
• Ensure adherence to internal governance and regulatory standards

DAY-TO-DAY

• Manage a personal underwriting caseload across A&H products
• Respond to broker enquiries, provide quotes, and negotiate terms
• Work collaboratively with underwriting, claims, and pricing teams
• Support the delivery of team and regional performance targets
• Monitor market trends and competitor activity in the A&H space

EXPERIENCE

• Experience in A&H underwriting is ideal but not essential
• Open to candidates from other lines (e.g., property, casualty, liability) with a strong desire to move into A&H
• Understanding of broker distribution, especially within UK commercial or specialty markets
• Familiarity with group schemes or employee benefits is a plus

SKILLS

• Strong risk assessment and decision-making skills
• Commercially focused with the ability to negotiate effectively
• Excellent communication and relationship-building skills
• Detail-oriented with sound technical understanding
• Proactive and adaptable mindset, open to learning and development

If you have the relevant experience or know someone that does please contact me now on 07889 672 926 or email us at [e-mail]