Financial Lines Underwriter

HFG; New York (NY); On-site; USD 120,000 - 180,000; Full time

Job summary

HFG is building a specialist Financial Lines underwriting platform focusing on FinTech, Digital Assets, AI and Cyber. We seek a Financial Lines Underwriter to join during a growth phase and help shape underwriting strategy, appetite and portfolio development.

The successful candidate will have 3-5 years' experience, strong technical underwriting, and the ability to assess complex or higher-risk businesses. You will work directly with the COO and broker/brokerage partners in a start-up

Qualifications

• 3-5 years' experience within Financial Lines underwriting.
• Experience across Cyber, E&O, D&O or Professional Lines preferred.
• Strong technical underwriting and risk assessment capabilities.
• Ability to assess complex or higher-risk businesses.

Responsibilities

• Underwrite Financial Lines risks across E&O, D&O and Cyber.
• Assess submissions from high-risk and emerging sectors.
• Develop understanding of exposures in FinTech, Digital Assets, AI and technology businesses.
• Analyse financial, operational, cyber and governance risks to set underwriting terms.
• Develop pricing, limits, deductibles and coverage structures.
• Build relationships with brokers and distribution partners.
• Support development of underwriting appetite and guidelines as the business grows.
• Contribute to development of new products for emerging risks.
• Monitor portfolio performance and underwriting discipline.
• Collaborate with COO and leadership on platform growth.

Skills

Underwriting

Risk assessment

Broker relationships

Communication skills

Entrepreneurial mindset

Start-up environment

Job description

An exciting opportunity has arisen to join a newly established specialist insurance platform focused on underwriting complex Financial Lines risks within some of the world's fastest-growing and most challenging sectors.

The business has already secured significant backing and is progressing through its licensing process, with plans to build a specialist underwriting platform focused on FinTech, Digital Assets, AI and Cyber.

The company is being built by an experienced leadership team with a strong track record within the specialist Financial Lines market.

The Role:

The business is looking to appoint a Financial Lines Underwriter to join the team during an exciting period of growth.

Reporting directly to the COO, you will play an important role in helping establish and grow the underwriting platform, assessing complex risks across E&O, D&O and Cyber.

This is an opportunity for an ambitious underwriter to move away from a traditional, highly structured carrier environment and join a business where they can have genuine input into underwriting strategy, appetite and portfolio development.

Key Responsibilities

• Underwrite Financial Lines risks across E&O, D&O and Cyber.
• Assess submissions from businesses operating within high-risk and emerging sectors.
• Develop a detailed understanding of exposures across FinTech, Digital Assets, AI and technology businesses.
• Analyse financial, operational, cyber and governance risks to determine appropriate underwriting terms.
• Develop pricing, limits, deductibles and coverage structures.
• Build strong relationships with brokers and distribution partners.
• Support the development of underwriting appetite and guidelines as the business grows.
• Contribute to the development of new products and solutions for emerging risks.
• Monitor portfolio performance and maintain strong underwriting discipline.
• Work closely with the COO and wider leadership team on the growth and development of the platform.

The successful candidate will have:

• 3-5 years' experience within Financial Lines underwriting.
• Experience across one or more of Cyber, E&O, D&O or Professional Lines.
• Strong technical underwriting and risk assessment capabilities.
• Experience assessing complex or higher-risk businesses.
• A genuine interest in FinTech, AI, Digital Assets, Cyber and emerging technology risks.
• Strong analytical and commercial skills.
• Excellent broker relationship and communication skills.
• An entrepreneurial mindset and the desire to work in a start-up environment.
• The ambition to take on increasing responsibility as the business scales.