Commercial P&C Underwriter

IDEX Consulting Ltd; Manchester; Hybrid; GBP 60,000 - 90,000; Full time

Benefits offered by this job

Health & Wellness benefits

401(k) matching & pension plans

Flexible working arrangements

Paid time off & holidays

Professional development programs

Performance-based incentives

Employee assistance programs (EAP)

Job summary

IDEX Consulting Ltd is seeking an experienced Commercial Property & Casualty Underwriter to drive underwriting excellence for a global organization. You will manage a diverse portfolio, price complex risks, and guide brokers and clients through coverage decisions, aiming for profitable outcomes.

The role requires strong analytical skills, relationship-building prowess, and proficiency with underwriting software and data tools.

Qualifications

• 5+ years of underwriting commercial P&C experience with strong pricing and risk evaluation.
• Proficient in property, casualty, general liability, and excess liability underwriting.
• Bachelor’s degree or equivalent; CPCU/AU beneficial.

Responsibilities

• Risk Assessment & Underwriting: evaluate, price, and underwrite complex P&C risks.
• Client & Broker Relationships: guide brokers/clients through underwriting, explain coverage and pricing.
• Portfolio Management: manage profitable portfolio with retention and growth focus.
• Strategic Risk Analysis: monitor market trends and adjust strategies accordingly.
• Collaboration: work with claims, legal, and actuarial to resolve issues.
• Innovation & Process Improvement: leverage data analytics to improve underwriting efficiency.

Skills

Underwriting

Risk Assessment

Pricing

Relationship Building

Analytical Thinking

Attention to Detail

Technology Savvy

Education

Bachelor's degree

CPCU/AU certification desirable

Tools

Underwriting software

MS Office

Data analysis tools

Job description

Are you an experienced Commercial Property & Casualty (P&C) Underwriter looking for an opportunity to make a significant impact with a respected global organization? We’re looking for a highly skilled, motivated, and forward-thinking individual to join our rapidly expanding underwriting team in a top-tier insurance company.

As a Commercial P&C Underwriter, you will play a pivotal role in underwriting complex and diverse risks, managing a portfolio of high-value commercial accounts across various industries. This is an opportunity to leverage your expertise and work in a dynamic, results-oriented environment while being part of a team committed to excellence.

Your Responsibilities:

Risk Assessment & Underwriting: Evaluate, price, and underwrite complex commercial property and casualty risks, ensuring alignment with company risk appetite and strategic goals. You will work on a variety of accounts, from mid-market to large commercial, in sectors such as manufacturing, energy, construction, technology, and more.

Client & Broker Relationships: Build and maintain strong relationships with brokers, agents, and clients, guiding them through the underwriting process. Provide expert advice on coverage options, policy terms, and pricing, tailoring solutions to meet unique client needs while managing the overall risk exposure.

Portfolio Management: Manage a profitable portfolio, identifying areas for growth while maintaining underwriting discipline. Regularly review and monitor existing accounts, ensuring retention and profitability through proactive account management and risk mitigation strategies.

Strategic Risk Analysis: Continuously monitor and assess market trends, economic factors, and emerging risks, adapting underwriting strategies to maintain competitive advantage. You’ll work closely with internal teams to develop and implement pricing and coverage strategies for new and existing risks.

Collaboration: Work with claims, legal, and actuarial teams to resolve complex coverage issues and claims disputes, ensuring smooth communication and timely solutions. Collaborate with senior leadership to refine underwriting strategies and develop business objectives.

Innovation & Process Improvement: Utilize cutting-edge tools and data analytics to streamline underwriting processes and enhance risk assessment capabilities. Leverage technology to improve efficiency, drive smarter decision-making, and better serve clients.

What We’re Looking For:

Experience: Minimum of 5 years underwriting commercial P&C business, with a solid understanding of risk evaluation, policy structures, and pricing strategies.

Strong Technical Knowledge: Expertise in underwriting a variety of commercial lines, including property, casualty, general liability, and excess liability. Familiarity with industry trends and emerging risks is essential.

Relationship Building: A strong communicator who thrives on building and nurturing relationships with brokers, agents, and clients. Your interpersonal skills will be key to building trust and influencing decisions.

Analytical Skills: You bring strong analytical thinking, able to identify risk factors, make data-driven decisions, and adjust underwriting strategies as needed to achieve profitable outcomes.

Attention to Detail: A keen eye for detail, ensuring accuracy in risk evaluation, pricing, and documentation while maintaining a focus on the bigger picture.

Education: Bachelor’s degree or equivalent experience, with relevant certifications such as CPCU (Chartered Property Casualty Underwriter) or AU (Associate in Underwriting) being a plus.

Technology Savvy: Proficiency in underwriting software, Microsoft Office Suite, and other data analysis tools. Experience with digital transformation in the underwriting process is a plus.

Why Join Us?

Growth Opportunities: Be part of an organization that is committed to investing in your professional development. We offer continuous learning, leadership development programs, and pathways for career advancement.

Collaborative Environment: Work alongside a team of experts who are passionate about innovation, problem-solving, and delivering exceptional client service. You’ll have the opportunity to collaborate across departments to craft solutions that meet both client needs and business objectives.

Competitive Compensation & Benefits: Enjoy a competitive salary, comprehensive benefits package, and performance-based incentives. We prioritize work-life balance and offer flexible working arrangements where possible.

Employee Benefits Include:

Health & Wellness: Comprehensive medical, dental, and vision coverage, along with mental health support to ensure you and your family’s well-being.

Retirement Plans: Generous 401(k) matching and pension plans to help you plan for the future with peace of mind.

Work-Life Balance: Flexible working hours and remote working options, ensuring that you can balance your professional and personal life effectively.

Paid Time Off: Generous vacation days, personal leave, and paid holidays to recharge and maintain a healthy work-life balance.

Professional Development: Access to training programs, industry certifications, and leadership development courses to further your skills and career growth.

Performance Recognition: Rewarding your hard work through annual performance bonuses and career advancement opportunities, ensuring you feel valued for your contributions.

Employee Assistance Programs (EAP): Support for personal challenges, legal advice, financial counseling, and more to help you thrive both professionally and personally.

Employee Discounts: Access to exclusive discounts on a range of services, from retail to travel, as part of our commitment to making life more affordable.

Diverse & Inclusive Environment: We foster a workplace where diversity and inclusion are at the core of everything we do, creating an environment where everyone can thrive.

Global Exposure: As part of a leading global company, you'll have opportunities to interact with colleagues and clients from around the world, expanding your professional network and experience.

Industry Leadership: Be part of a global industry leader that is setting standards in insurance excellence. With a long track record of financial stability, our company offers a strong platform for long-term career growth and achievement.

If you're an experienced P&C Underwriter who thrives in a fast-paced, innovative environment, we want to hear from you. Join a company that values expertise, creativity, and a passion for delivering tailored solutions to clients across the globe.