Technical Underwriting Specialist (Policy Wordings)

The Benefact Group; England; Hybrid; GBP 80,000 - 100,000; Full time

Job summary

A leading insurance company in the UK seeks a Technical Underwriting Specialist to enhance policy wordings and assume responsibilities in product development. You will draft, review, and refine policy documents while ensuring compliance and collaboration with various teams. Ideal candidates will have a strong background in insurance policies and an analytical approach. This role offers a competitive salary, hybrid working, and a range of benefits including a generous bonus scheme and opportunities for professional development.

Benefits

Competitive salary

Hybrid working

Generous annual bonus scheme

Private healthcare

Full study support for professional qualifications

Enhanced maternity and paternity pay

Qualifications

• Proven experience drafting policy wordings.
• Strong understanding of regulatory framework.
• Ability to identify and escalate risks.

Responsibilities

• Draft and review policy wordings and clauses.
• Develop products including wordings and governance.
• Research market products to assist with development.
• Coach team around policy wordings and standards.

Skills

Experience drafting policy wordings

Detailed knowledge of general insurance principles

Analytical approach

Clear written communication

Education

Cert CII; Dip CII preferred or working towards

Job description

Ansvar, who are proudly part of Benefact Group, are looking for a Technical Underwriting Specialist (Policy Wordings) to join our dynamic team. In this pivotal role, you'll shape the future of our products by drafting and refining policy wordings and clauses that set us apart in the market. You'll play a key part in delivering our growth strategy, developing innovative products, enhancing underwriting platforms, implementing rating changes, and ensuring our documentation is clear, compliant, and competitive. Our portfolio is as diverse as the communities we serve – charities, property owners, businesses, office and retail, faith groups, social enterprises, and not‑for‑profit organisations. This is your chance to make a meaningful impact across sectors that truly matter. If you're passionate about underwriting and have a proven track record in policy drafting, we want you on our team. Help us create niche‑leading propositions and tools that drive success. 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.

Responsibilities

• Draft and review policy wordings, summaries of cover, application forms and clauses ensuring compliance with legal, reinsurance and regulatory parameters.
• Develop and review products as required by the business, including wordings, product development and governance.
• Work with Group Underwriting and third‑party suppliers to agree and sign‑off new policy wordings and other policy documentation.
• Review and develop free‑format clauses drafted within the business.
• Research wider market products and propositions to assist with product development, feeding into Product Oversight and Governance as required.
• Research issues connected with policy wording development and escalates wording issues to the wider business.
• Act as a specialist referral point and coach around policy wordings and reinsurance, supporting the business unit in ensuring standards are met and technical expertise cascaded, meeting defined service levels (SLAs).
• Understand and operate within the regulatory framework, including ELTO, product oversight, governance, audit and DA management, and identify and escalated any risks to the business.
• Work in partnership with Underwriting Operations to enable underwriting of quality business within appetite.
• Work with Distribution to review options to improve our proposition.
• Undertake Underwriting Development projects.

Qualifications

• Experience drafting policy wordings.
• Cert CII; Dip CII preferred or working towards.
• Detailed knowledge of general insurance principles.
• Solid understanding of the regulatory framework.
• Experience identifying and escalating risk.
• Analytical approach with high levels of attention to detail.
• Clear and concise written communication with experience of submitting balanced and well‑considered recommendations.

About the Company

Ansvar specialises in insurance to the third sector. We cover thousands of risks in the UK, and unlike other insurers, our products are specifically designed for the niches we insure.

Benefits

• A competitive salary – let’s discuss.
• Hybrid working.
• Group Personal Pension – up to 12% employer contribution.
• Generous annual bonus scheme between 6% and 24%.
• 25 days annual leave plus bank holidays, and a holiday buy and sell scheme.
• 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.

We welcome applications from everyone. If you need any additional support during the recruitment process, please let us know.