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- Tasks: Underwrite risks, analyse applications, and prepare quotations for brokers.
- Company: CNA Hardy, a leading specialist in commercial insurance.
- Benefits: Competitive salary, career development, and a supportive work environment.
- Why this job: Join a dynamic team and make impactful decisions in the insurance industry.
- Qualifications: Knowledge of underwriting principles and strong analytical skills.
- Other info: Opportunity to build relationships and grow within a reputable company.
The predicted salary is between 35000 - 45000 £ per year.
Function / Area: Property & Casualty
Reports To: P&C Underwriting Manager
Position Summary
We are looking for an Underwriter to join our Manchester team who under broad supervision, is responsible for underwriting risks in a book of business. Works within limited authority on assignments of moderate technical complexity. Utilises underwriting policies and guidelines, rating manual rules and insurance laws and regulations.
Key Responsibilities
- Reviews applications and financial requirements for risks requiring technical underwriting skills. Determines acceptability of risk in accordance with company guidelines and standards.
- Recommends appropriate pricing and coverage modifications or enhancements for risks after complete analysis and consideration of applicant documentation, business factors and competitive situations.
- Prepares quotations and answers questions from Brokers, internal and external contacts and escalates issues as necessary.
- Prepares written communications on adverse underwriting decisions, rate appeals, underwriting requirements, status and declinations. Verbally notifies Brokers of decisions where appropriate in order to ensure clear understanding of the decision.
- Analyses quality, quantity, and profitability of risks underwritten and prepares reports for management review.
- May assist in marketing products and services through the brokerage community and makes field visits.
- Develops and maintains positive Broker relationships.
- Keeps current on state/territory issues, regulations and trends.
- Works with more senior underwriters or management on risks exceeding authority level or requiring special handling.
- Develop proficiency in all relevant CNA systems.
- May update the underwriting systems.
- May perform additional duties as assigned.
Skills, Knowledge & Abilities
- Knowledge of underwriting and insurance industry theories and practices.
- Developing technical expertise and negotiation skills.
- Strong interpersonal and communication skills.
- Ability to effectively interact with peer level CNA internal and external business partners.
- Ability to work independently.
- Strong analytical and problem solving skills.
- Ability to exercise independent judgment and make sound business decisions effectively.
- Strong knowledge of Microsoft Office Suite as well as other business-related software.
Company Description
Company Overview
CNA Hardy is a leading specialist commercial insurance provider for clients within the Lloyd’s and company markets. We are part of CNA Financial Corp, the 8th largest U.S. commercial property and casualty insurance company. Established in 1897, CNA has approximately 7,000 employees, serving businesses and professionals in the U.S., Canada, Europe and Asia. We offer a wide range of products and services, providing a superior suite of insurance solutions that any organisation conducting business requires.
Why Choose CNA Hardy?
- Our people: We recognise that our staff bring our commitment to our customers to life. Our priority is to be a great place to work so we continue to attract, retain and develop the best talent in the market.
- Our product offering: We develop innovative and specialised solutions by product and industry specialism and create certainty for customers through the delivery of underwriting and service excellence. This comprehensive global product offering supported by superior claim and risk control services is hard to replicate.
- Our relationships: We believe in building enduring relationships and want to focus our energy on partnering with customers and producers who value our approach and seek the same.
- Our track record: Our financial strength underpins our contract with our customers. We receive consistently high ratings from AM Best and Standard and Poor’s proving our ability to deliver on our commitment should the worst happen.
Treating Customers Fairly
- We deal with our Customers in a professional, open and honest way at all times.
- Designing and delivering products that meet their needs;
- Ensuring that no claims are unreasonably rejected; and
- Aiming to do things right the first time and putting them right if we get them wrong.
CNA Hardy is an equal opportunity employer.
Underwriter - P&C in Manchester employer: CNA Hardy
Contact Detail:
CNA Hardy Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Underwriter - P&C in Manchester
✨Tip Number 1
Network like a pro! Reach out to your connections in the insurance industry, especially those in underwriting. A friendly chat can lead to insider info about job openings that aren’t even advertised yet.
✨Tip Number 2
Prepare for interviews by brushing up on your technical knowledge. Make sure you can discuss underwriting principles and how they apply to the role. We want to see your analytical skills shine!
✨Tip Number 3
Don’t forget to follow up after interviews! A quick thank-you email can keep you fresh in the interviewer's mind and show your enthusiasm for the position. It’s a small gesture that can make a big difference.
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you’re genuinely interested in joining our team at CNA Hardy.
We think you need these skills to ace Underwriter - P&C in Manchester
Some tips for your application 🫡
Tailor Your Application: Make sure to customise your CV and cover letter for the Underwriter role. Highlight your relevant experience in underwriting and any specific skills that match the job description. We want to see how you fit into our Manchester team!
Showcase Your Skills: Don’t just list your skills; demonstrate them! Use examples from your past experiences to show how you've successfully handled underwriting tasks or built relationships with brokers. This will help us see your potential impact on our team.
Be Clear and Concise: When writing your application, keep it straightforward. Use clear language and avoid jargon unless it's relevant to the role. We appreciate a well-structured application that makes it easy for us to understand your qualifications.
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it shows you’re keen on joining our team at CNA Hardy!
How to prepare for a job interview at CNA Hardy
✨Know Your Underwriting Basics
Before the interview, brush up on your knowledge of underwriting principles and insurance industry practices. Familiarise yourself with the specific guidelines and policies of the company, as well as any recent trends in the property and casualty market.
✨Prepare for Technical Questions
Expect to answer questions that assess your technical skills and analytical abilities. Be ready to discuss how you would evaluate risks, determine pricing, and make coverage recommendations based on applicant documentation and competitive situations.
✨Showcase Your Communication Skills
Since the role involves interacting with brokers and internal contacts, practice articulating your thoughts clearly. Prepare examples of how you've effectively communicated adverse decisions or negotiated terms in previous roles to demonstrate your interpersonal skills.
✨Build Rapport with Interviewers
During the interview, focus on building a positive relationship with your interviewers. Show genuine interest in their experiences at the company and express your enthusiasm for contributing to the team. This can help you stand out as a candidate who aligns with the company's values.