Underwriter Property & Casualty

DIL; West of England; On-site; GBP 55,000 - 90,000; Full time

Job summary

DUAL, part of Howden, seeks an experienced Commercial Property & Casualty Underwriter to own and develop a broker panel, assess risk, and deliver underwriting solutions that support profitable growth. You’ll work with colleagues to ensure responsive service and contribute to portfolio development.

You’ll manage broker partnerships, balance risk with commercial outcomes, and underwrite renewal business in line with strategy while maintaining accurate records and driving improvements across the

Qualifications

• Experience underwriting Commercial Property & Casualty business or in a related insurance environment.
• Evidence of developing and maintaining broker or intermediary relationships to support business growth.
• Ability to assess risk, make underwriting decisions and negotiate commercial outcomes.
• Effective communication skills with the ability to build credibility with brokers, customers and colleagues.
• Analytical approach to reviewing information and identifying solutions that meet underwriting requirements.
• Ability to prioritise workloads, respond to changing business needs and work collaboratively with others.

Responsibilities

• Build and manage a panel of brokers, identifying opportunities to grow new and existing business relationships.
• Assess risks, negotiate terms and apply underwriting authority to deliver appropriate underwriting solutions.
• Underwrite renewal business in line with underwriting strategy, supporting portfolio retention and profitable growth.
• Collaborate with underwriting and distribution colleagues to provide an effective service for brokers and customers.
• Maintain accurate underwriting records, documentation and policy information, ensuring timely issuance and administration.
• Contribute to continuous improvement activities, including file reviews, system testing, knowledge sharing and market development initiatives.

Skills

CP&C underwriting

Broker relationships

Risk assessment

Negotiation

Communication

Analytical thinking

Time management

Tools

Underwriting systems

Digital underwriting tools

Job description

About DUAL

Working across 21 countries, DUAL has built a reputation as a specialist underwriting group and the market of choice for insurance intermediaries around the world. That's how we have become one of the world's largest international underwriting agencies (or MGAs) with US$3.4bn GWP. DUAL is part of Howden, a leading global insurance group with employee ownership at its heart. Founded in 1994, it provides insurance, reinsurance and underwriting services to clients ranging from private individuals to the largest multinational companies. The Group operates in 57 countries, employs over 24,000 people and manages premiums totalling US$50bn on behalf of its clients.

Commercial Property & Casualty Underwriter Introduction

As an Underwriter, you'll take ownership of your own broker panel, developing relationships, assessing risk and delivering underwriting solutions that support profitable growth. This is a market-facing opportunity to build your profile with brokers while making underwriting decisions across Commercial Property & Casualty business. You'll work closely with underwriting and distribution colleagues to provide responsive, consistent service and help grow DUAL's regional presence. The role offers the opportunity to develop trading relationships, deepen technical underwriting expertise and contribute to a profitable portfolio through both new and renewal business.

What you'll be doing

You'll take responsibility for building broker partnerships while managing underwriting decisions across your panel. Success in the role comes from balancing relationship development, technical underwriting expertise and portfolio performance. Manage and develop a panel of brokers, identifying opportunities to grow new and existing business relationships. Assess risks, negotiate terms and apply underwriting authority to deliver appropriate underwriting solutions. Underwrite renewal business in line with underwriting strategy, supporting portfolio retention and profitable growth. Collaborate with underwriting and distribution colleagues to provide an effective service for brokers and customers. Maintain accurate underwriting records, documentation and policy information, ensuring timely issuance and administration. Contribute to continuous improvement activities, including file reviews, system testing, knowledge sharing and market development initiatives.

Who we're looking for

We're looking for someone who enjoys building professional relationships and making informed underwriting decisions. You'll be motivated to continue developing your technical expertise while contributing positively within a collaborative team environment.

Essential requirements

• Experience underwriting Commercial Property & Casualty business or working within a related insurance environment.
• Evidence of developing and maintaining broker or intermediary relationships to support business growth.
• Ability to assess risk, make underwriting decisions and negotiate commercial outcomes.
• Effective communication skills with the ability to build credibility with brokers, customers and colleagues.
• Analytical approach to reviewing information and identifying solutions that meet underwriting requirements.
• Ability to prioritise workloads, respond to changing business needs and work collaboratively with others.

Desirable experience

• Experience managing or supporting a broker panel.
• Exposure to regional insurance markets and broker trading environments.
• Experience using underwriting systems, technology platforms and digital underwriting tools.

What do we offer in return?

A career that you define. Of course, we offer a competitive range of rewards and benefits to support you, but we know you expect all that. What you might not expect is a job where everyone has a voice, where volunteering in the community is part of the day job, and where everyone is encouraged to play a part towards our sustainability goals. We want people who want to make a difference - not just in the workplace, but in the industry and in the wider community.

Our culture: people first

Our core values dictate how we live and work. We’re a group with independence and people at its heart – and a home for talent with a unique culture: the biggest small company in the world. Being a people-first business has always been central to who we are. Our vision was to create an independent organisation with a distinctive culture that would survive and thrive through the people who shape it. Finding the most talented and entrepreneurial individuals to join the group has been, and will continue to be, key to our success.

Diversity and inclusion

At DUAL, our people are our greatest strength. We are committed to building an open and inclusive culture where everyone feels trusted and that they belong. We work to ensure all candidates, employees, clients and business partners are treated with fairness and respect. We want every candidate to be able to bring their best to the recruitment process, so if you require reasonable accommodation at any stage, please let us know and we will work with you to provide appropriate support.

Permanent

Howden began in 1994, as just three people and a dog. Now there are 23,000 of us, and we're a leading global insurance group, managing $37bn of premiums for our clients. Our largest shareholder group is us – the people who work in the business – supported by three long-term, minority growth-equity partners who share our vision to build a business to last, one that will never be sold. The owner's mindset is something that's embedded in our culture; our people readily take ownership of their decisions, their actions, and their outputs. They’re invested in every sense. And we all know that by working together to drive the business forward, everyone will benefit from the extraordinary results we can achieve.