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- Tasks: Join us as a Casualty Underwriter, analysing risks and crafting insurance solutions.
- Company: CNA Hardy is a top commercial insurance provider with a rich history since 1897.
- Benefits: Enjoy a supportive work environment, career development opportunities, and competitive compensation.
- Why this job: Be part of a customer-first culture, making impactful decisions in the insurance industry.
- Qualifications: No prior experience needed; just bring your analytical skills and a passion for learning.
- Other info: This is an entry-level, full-time role based in Manchester.
The predicted salary is between 30000 - 42000 £ per year.
Position Summary
We are looking for a Casualty Underwriter focused on New Business based in our Manchester office. Under broad supervision, 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. Where appropriate, verbally notifies Brokers of decisions in order to ensure clear understanding of the decision.
- Analyses quality, quantity, and profitability of risks underwritten and prepares reports for management review.
- Assists in marketing products and services through the brokerage community and makes field visits.
- Develops and maintains positive Broker relationships.
- Maintains current knowledge on state/territory issues, regulations and trends.
- Works with more senior underwriters or management on risks exceeding authority level or requiring special handling.
- Develops proficiency in all relevant CNA systems and 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 CNA internal and external business partners at peer level.
- Ability to work independently.
- Strong analytical and problem-solving skills.
- Ability to exercise independent judgment and make sound business decisions.
- Strong knowledge of Microsoft Office Suite as well as other business-related software.
Company Description
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. We offer a wide range of products and services, providing a superior suite of insurance solutions that any organisation conducting business requires.
Why CNA Hardy?
For us, the customer comes first. Our commitment to customers is to deliver distinctive insurance solutions and superior customer service. Reasons to choose CNA Hardy include:
- Our people: We recognise that our staff bring our commitment to our customers to life and strive to be a great place to work, attracting, retaining and developing top talent.
- Our product offering: We develop innovative and specialised solutions by product and industry, with a comprehensive global product offering supported by claim and risk control services.
- Our relationships: We focus on building enduring relationships with customers and producers who value our approach.
- Our track record: Our financial strength underpins our contract with customers, with high ratings from AM Best and Standard & Poor’s.
Treating Customers Fairly
- We deal with 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.
Seniority level
- Entry level
Employment type
- Full-time
Job function
- Finance and Sales
Industries
- Insurance
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Underwriter - Casualty employer: CNA Hardy
Contact Detail:
CNA Hardy Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Underwriter - Casualty
✨Tip Number 1
Familiarise yourself with the specific underwriting policies and guidelines used by CNA Hardy. Understanding their approach to risk assessment will help you demonstrate your knowledge during interviews and discussions.
✨Tip Number 2
Network with professionals in the insurance industry, particularly those who work as underwriters or brokers. Building relationships can provide insights into the role and may even lead to referrals for the position.
✨Tip Number 3
Stay updated on current trends and regulations in the insurance sector, especially those affecting casualty underwriting. This knowledge will not only enhance your conversations but also show your commitment to the field.
✨Tip Number 4
Prepare to discuss your analytical and problem-solving skills in detail. Be ready to provide examples of how you've used these skills in past experiences, as they are crucial for making sound underwriting decisions.
We think you need these skills to ace Underwriter - Casualty
Some tips for your application 🫡
Understand the Role: Before applying, make sure to thoroughly understand the responsibilities of a Casualty Underwriter. Familiarise yourself with underwriting policies, risk assessment, and the specific requirements mentioned in the job description.
Tailor Your CV: Customise your CV to highlight relevant experience and skills that align with the job description. Emphasise your knowledge of underwriting practices, analytical skills, and any experience in the insurance industry.
Craft a Compelling Cover Letter: Write a cover letter that showcases your enthusiasm for the role and the company. Mention specific reasons why you want to work at CNA Hardy and how your skills can contribute to their commitment to customer service and innovative solutions.
Proofread Your Application: Before submitting your application, carefully proofread all documents for spelling and grammatical errors. A polished application reflects your attention to detail, which is crucial in underwriting.
How to prepare for a job interview at CNA Hardy
✨Understand the Underwriting Process
Familiarise yourself with the underwriting process, especially in casualty insurance. Be prepared to discuss how you would assess risks and make decisions based on company guidelines.
✨Showcase Your Analytical Skills
Highlight your analytical and problem-solving skills during the interview. Prepare examples of how you've used these skills in past experiences, particularly in assessing financial requirements or risk evaluations.
✨Communicate Effectively
Demonstrate strong interpersonal and communication skills. Practice articulating your thoughts clearly, as you'll need to explain complex underwriting decisions to brokers and clients.
✨Research CNA Hardy
Do your homework on CNA Hardy and their approach to customer service and relationships. Understanding their values and how they treat customers will help you align your answers with their expectations.
