Underwriter - Delegated (Liability & Property)

Intact Insurance UK; Manchester, Bristol; Hybrid; GBP 42,000 - 65,000; Full time

Benefits offered by this job

Annual discretionary bonus

11% pension contributions

Hybrid working + flexible hours

25 days annual leave + bank holidays +

Buy/sell options

Health & wellbeing + virtual GP

Career development and mentoring

Inclusive culture + employee networks

Share investment options

Job summary

Intact Insurance UK is seeking an experienced underwriter for Delegated (Liability and Property) who will review referrals, make decisions within authority, and maintain alignment with Intact’s underwriting approach. This role focuses on collaborating with delegated schemes and ensuring service levels across partnerships.

The position involves working closely with delegated partners, governance, and day-to-day underwriting decisions to shape delegated business operations.

Qualifications

• Underwriter with Liability and Property experience within personal authority.
• Experience with delegated authority partners and operational nuances.
• Strong relationship management with brokers/partners and internal stakeholders.
• Ability to manage workload and meet service levels in a fast-paced environment.

Responsibilities

• Review referrals from delegated partners, making decisions within your underwriting authority.
• Collaborate with Technical Underwriting Leads and Portfolio Managers to align risks with strategy and appetite.
• Maintain governance records, including referral logs, breach reporting, and clear underwriting rationales.
• Build and manage strong relationships with delegated partners, meeting service levels and supporting audits.

Skills

Liability experience

Property capability

Decision making

Relationship management

Workload management

Delegated authority

Job description

Intact Insurance is the new name for RSA in the UK, Ireland, and across Europe. It’s a new name and a new way to do business. Backed by global expertise and a commitment to service that feels different, we’re focused on making insurance simpler, faster, and more responsive.

Shape the future

We’re leading a transformation in insurance helping people, businesses and society prosper in good times and be resilient in bad times. When you join us, you’re not just taking a job, you’re stepping into a career where you can make a real difference.

Grow with us

We’re customer-driven, community-focused, and committed to helping our people grow. Whether you’re early in your journey or bringing years of experience, we’ll support you with the tools, flexibility, and opportunities to thrive.

Win as a team

This role is central to keeping the delegated portfolio operating effectively. As an Underwriter in Delegated (Liability and Property), you’ll review referrals from our partners, make clear decisions within your authority, and ensure activity stays aligned with Intact’s underwriting approach. The work supports the service levels we commit to and helps maintain good working relationships with our delegated partners.

It’s a great role for someone who wants to work closely with delegated schemes, use their technical judgement day to day, and play an active part in shaping how delegated business operates across Intact.

The locations for this role are Manchester and Bristol.

You’ll Make An Impact By

In this role, you’ll be responsible for delivering a consistent underwriting service to our delegated partners by reviewing referrals, supporting governance, and maintaining good working relationships.

• Review and assess referrals from delegated partners, making decisions within your underwriting authority and escalating where required.
• Work closely with Technical Underwriting Leads and Portfolio Managers to ensure risks align with strategy and appetite.
• Maintain accurate governance records, including referral logs, breach reporting, and clear underwriting rationales.
• Build and manage good relationships with delegated partners, meeting agreed service levels and supporting audits when needed.

Your Skills And Experience

You’re an experienced underwriter with good Liability experience, solid Property capability, and the assurance to make clear, well-reasoned decisions. You work with pace and accuracy in a customer-driven environment, and you’re known for the quality of service you provide to brokers and partners.

• Ability to underwrite Liability and Property risks confidently within personal authority.
• Good relationship management skills with both internal stakeholders and external partners.
• Ability to manage workload effectively while meeting agreed service levels.
• Experience working with delegated authority partners and understanding the operational nuances involved.

Why You’ll Love It Here

Being part of our team means you’ll have the support and freedom to bring your best self to work each day. As a permanent member, here’s what you can look forward to

• Annual discretionary bonus
• Up to 11% pension contributions
• Hybrid working + flexible hours (delete if not applicable to role)
• 25 days annual leave + bank holidays + buy/sell options
• Health & wellbeing + virtual GP
• Career development and mentoring
• Inclusive culture + employee networks
• Share investment options

Our DEI Commitment

We celebrate individuality and believe our differences make us stronger. We’re proud to foster a culture where everyone feels respected, valued, and empowered to thrive.

As an Equal Opportunity and Disability Confident Employer, we ensure fair consideration for all applicants and offer interviews to all disabled candidates who meet the essential criteria.

We understand that everyone’s circumstances are different and are happy to explore flexible working options such as reduced hours or job shares to support work–life balance.

If you meet the core criteria but not every requirement, we’d still love to hear from you. Let’s explore how this role could support your next career step. If you need adjustments during the recruitment process, just let us know we’re here to support you.