Underwriter

Hello from Bspoke Insurance Group! We know you’ll likely search for us before applying, so we’ll keep this short. The Bspoke Group provides insurance solutions tailored for an evolving world. We’re proud to have been awarded MGA of the year in the National Insurance Awards 2025. Our vision is to offer niche products through multiple distribution channels, whilst maintaining our specialist trademark.

As part of the Bspoke group we have Miramar Underwriting who are a leading insurance MGU, specialising in commercial and residential property insurance products. We’re rapidly growing, and that’s where you come in.

Why join Bspoke? Joining Bspoke means more than just having a job. We don’t follow the usual corporate path – instead, we embrace a dynamic and non-traditional approach. We’re a driven, passionate team that’s genuinely excited about what we do, and we’re proud of it. Delivering exceptional experiences for both our colleagues and customers starts with ensuring a fantastic experience for our team. Our values serve as a compass reflecting our Group’s core principles and ethics, to enable us to deliver the best outcomes for our colleagues. Here’s a snapshot of our values:

• Relentlessly collaborate
• Defeated by nothing
• Proud to be ambitious
• Agile at our core
• We are our people

Role overview: The Technical Underwriter is responsible for underpinning the underwriting team in achieving budget and Underwriting Loss Ratio (ULR) targets by upholding high underwriting standards and delivering excellent customer service via Coverholders through Delegated Authority of schemes. The Technical Underwriter will also be able to support the Underwriting team with recommendations on pricing and underwriting criteria.

Key Accountabilities:

• Underwriting and Referrals: To underwrite risk referrals from Coverholder clients within strict timescales and to your own specified authority levels. Create and continually develop underwriting rules and guidelines suitable for our areas of expertise, being residential and commercial property business, with particular emphasis on non-standard business. Establish suitable and flexible underwriting parameters for Coverholder facilities so that the Coverholder has the controlled freedom to place appropriate policies under such facility and grow their account in a profitable manner.
• Management and Analysis: To monitor business levels for Coverholder accounts, with particular focus given to identifying trends in GWP, claims, catastrophe aggregate and average rates, with appropriate analysis and corrective action taken where required. Work with underwriters to share and discuss findings, so that mutually agreed actions can be taken for the benefit of the coverholder relationship. Support to Coverholders to provide all required bordereaux and statistical information by the required deadlines. Monthly bordereaux review to ensure that the data provided is accurately declared to our Insurer partners, and meets underwriting criteria set under delegated authority.
• Product Development and Governance: To develop new products for Coverholders, which will include policy wordings, underwriting guides, rating structures and other supporting policy documentation. Draft and amend product documentation, as required. Working alongside the Group Product team, to ensure customer documentation meets required standards. Ensure all products are constructed in line with the latest FCA and industry guidelines, focusing on ‘plain English’ language and the relevant Consumer.