Accident & Health Underwriter

Lawes Insurance Recruitment; City; On-site; GBP 40,000 - 60,000; Full time

Job summary

A leading insurance recruitment firm is looking for an Accident & Health Underwriter to join a respected insurer's team in Birmingham. This role is an excellent opportunity for experienced A&H professionals or underwriters from other commercial lines wanting to pivot into personal accident, health, and travel-related risk. The successful candidate will underwrite a diverse portfolio, build broker relationships, and assist in product development while ensuring profitability and compliance with internal standards.

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 within UK commercial or specialty markets.
• Familiarity with group schemes or employee benefits is a plus.

Responsibilities

• Underwrite new and renewal Accident & Health business.
• Assess risks including accident, travel, and medical expenses.
• Price risks within authority to ensure profitability.
• Liaise with brokers to build and maintain relationships.
• Assist in developing new products and market propositions.
• Ensure adherence to internal governance and regulatory standards.

Skills

Strong risk assessment and decision-making skills

Commercially focused with negotiation ability

Excellent communication and relationship-building skills

Detail-oriented with sound technical understanding

Proactive and adaptable 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 understandingProactive and adaptable mindset, open to learning and development

If you have the relevant experience or know someone that does please contact me now on or email us at

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