Technical Underwriter - Commercial Property & Liability

Ecclesiastical Insurance UK; Gloucester; Hybrid; GBP 65,000 - 95,000; Full time

Benefits offered by this job

Hybrid working

Group Pension up to 12%

Bonus scheme: on-target 6–24%

25 days annual leave

Private healthcare

Life assurance

Volunteer day

Job summary

Ecclesiastical Insurance UK, part of Benefact Group, is seeking a Technical Underwriter in Gloucester. You will specialise in Commercial Property and Liability, providing expert support on complex cases, governance, and underwriting standards while coaching others to strengthen capabilities.

The role focuses on profitable portfolio performance and continuous improvement. You will work within our Direct Commercial Underwriting Team, collaborating with stakeholders to ensure sound risk decisions,

Qualifications

• Strong technical expertise in Commercial Property and Liability underwriting.
• Experience underwriting complex risks with sound judgement.
• Understanding of portfolio management, risk quality, and profitability.
• Knowledge of underwriting governance and regulatory requirements.
• Excellent leadership and stakeholder management skills.
• ACII or Dip CII or equivalent qualifications preferred.

Responsibilities

• Develop, negotiate and profitably underwrite new and existing Commercial Property and Liability business within authority.
• Provide senior technical underwriting expertise and referral support.
• Monitor portfolio performance and identify trends to improve underwriting quality.
• Coach, mentor and develop underwriting capability across the team.
• Support product, pricing, wording, process and system development initiatives.
• Collaborate with underwriting, pricing, claims, risk and operations to implement improvements.

Skills

Commercial Property underwriting

Liability underwriting

Leadership

Stakeholder management

Analytical

Education

ACII

Dip CII

Job description

Working hours: 35 hours per week, Monday to Friday

Duration: Permanent

Location: Gloucester

Job Ref: 05359

About The Role

Ecclesiastical Insurance, who are proudly part of Benefact Group are looking for a Technical Underwriter to join our Gloucester office.

You’ll act as a technical specialist for Commercial Property and Liability Underwriting within our Direct Commercial Underwriting Team, providing expert support on complex cases, referrals, appetite, technical standards and governance. Supporting profitable portfolio performance, building underwriting capability through coaching and training, and work with key stakeholders to deliver strong customer outcomes and continuous improvement.

Why join us?

Join a collaborative and inclusive culture that’s committed to making a difference and building a more sustainable future. Ranked amongst the UK's 15 Best Big Companies to Work For in 2025, we offer fantastic career and development opportunities within a rapidly growing, innovative Group - where all profits go to charity and good causes.

What You’ll Be Doing

• Develop, negotiate and profitably underwrite new and existing Commercial Property and Liability business within authority, ensuring alignment with underwriting appetite, strategy, portfolio objectives and regulatory requirements.
• Provide senior technical underwriting expertise and referral support, making sound decisions on risk acceptance, pricing, coverage, policy wordings, terms and conditions, while maintaining technical standards and governance.
• Monitor and manage portfolio performance, identifying trends in risk quality, profitability, rate adequacy, audit outcomes and emerging risks, and implementing actions to improve underwriting quality and consistency.
• Coach, mentor and develop underwriting capability across the team, providing technical guidance, knowledge sharing, training and updates to promote consistency, confidence and best practice.
• Support product, pricing, wording, process and system development initiatives, providing technical insight, project support and feedback from market, partner and casework experience.
• Collaborate with underwriting, pricing, claims, risk and operational stakeholders, monitoring market, regulatory and competitor developments and translating insights into effective underwriting actions and continuous improvement.

What you’ll need to have

• Strong technical expertise in Commercial Property and Liability underwriting, including risk assessment, coverage, pricing, policy terms, conditions, controls and underwriting appetite.
• Proven experience underwriting complex Commercial Property and Liability risks, demonstrating sound judgement in risk selection, acceptability, pricing and commercial decision-making.
• Good understanding of portfolio management and performance, including rate adequacy, risk quality, exposure, profitability, audit outcomes and emerging market trends.
• Knowledge of underwriting governance and regulation, with the ability to apply underwriting standards, product governance, fair value and conduct requirements consistently.
• Strong leadership and stakeholder management skills, with experience providing technical referrals, coaching, mentoring and building effective relationships across teams and partners.
• Highly analytical, organised and proactive, using data, MI and audit insights to drive continuous improvement, share best practice and support ongoing professional development, ideally supported by ACII, Dip CII or equivalent qualifications.

What we offer

• A competitive salary - let's discuss it
• Hybrid working
• Group Personal Pension - up to 12% employer contribution
• Generous annual bonus scheme: on-target bonus between 6% and 24%
• 25 days annual leave plus bank holidays, and a holiday buy and sell scheme
• An array of health and wellbeing benefits, including private healthcare, income protection and life assurance
• £200 annual personal grant to a charity of your choice
• Encouraged to take at least one volunteering day per year
• Employee Assistance Programme
• Full study support to gain professional qualifications
• Access to virtual GP
• Enhanced maternity and paternity pay

Hear from the hiring manager

"We're a large, energetic team that genuinely supports one another and celebrates different perspectives. We believe the best ideas can come from anyone, so we encourage colleagues to speak up, ask questions and challenge existing ways of working. In this role, you'll be trusted to use your expertise, influence positive change and help deliver excellent outcomes for our customers. It's a great opportunity to grow your career while making a real impact in a team that values collaboration, development and continuous improvement."

About Us

Ecclesiastical Insurance offer insurance with award-winning service across a broad range of specialisms, including faith, charity, heritage, education, art and private client, real estate and schemes, across Ireland, Canada and the UK.

As a business, we’ve been trusted to protect some of the UK’s best-loved and most iconic buildings for over a century, and we’re not standing still. We’re a forward thinking, energetic organisation entering new markets, with an ambition to double our size, because when we grow, we give back more.

Benefact Group is a unique international financial services Group made up of over 30 businesses. We are owned by a charity and have been the 3rd largest UK corporate donor over a decade*, having given away £250 million since 2014. We have ambitious plans to become the UK’s number one corporate donor, with strategic objectives in place to double the Group’s size.

We believe it’s essential to attract, empower, grow and reward talented people, offering fantastic opportunities for career and personal development. Our giving ethos, 135-year history and the diversity of what we do, has enabled us to build a culture of kindness, great ambition, and of passionate people driven to do better and be better.

At Benefact Group, we are committed to creating an inclusive culture and building an environment where each and every one of us feels valued and respected. We are a community made up of people with a range of different backgrounds, abilities, perspectives, beliefs and interests and we value the strength this brings to us as a Group. We welcome applications from everyone.

If you need any additional support during the recruitment process, then please let us know.

• Directory of Social Change’s UK Guides to Company Giving 2017-26