At a Glance
- Tasks: Underwrite agricultural motor business and assess various agricultural vehicle risks.
- Company: Join DUAL, a leading global insurance group with a people-first culture.
- Benefits: Enjoy competitive salary, hybrid working, and opportunities for professional growth.
- Other info: Be part of a diverse team that values your voice and encourages community involvement.
- Why this job: Make a real impact in the agricultural insurance sector while building strong broker relationships.
- Qualifications: Experience in agricultural motor underwriting and strong relationship management skills.
The predicted salary is between 37800 - 46200 £ per year.
About DUAL
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.
About KGM
About KGM KGM is a leading provider of specialist insurance products in the UK market, known for its innovative approach and client-focused solutions.
With a strong reputation in motor insurance, we are committed to delivering high-quality underwriting expertise and building strong, long-term relationships with our broker partners.
Role Overview
We are seeking an Agricultural Motor Underwriter to join our specialist underwriting team.
In this role, you will be responsible for underwriting new and existing Agricultural Motor business, assessing a wide range of agricultural vehicles, machinery and associated motor risks.
You will work closely with our broker partners, Business Development Team and wider underwriting function to identify opportunities, deliver excellent service and support the profitable growth of our Agricultural Motor portfolio.
The role requires a strong commercial approach, sound underwriting judgement and an understanding of the specialist nature of agricultural risks.
Key Responsibilities
- Lead and develop the Agricultural Underwriting Team, providing technical guidance, performance management, coaching and support to ensure the delivery of underwriting excellence, strong broker relationships and profitable portfolio growth.
- Underwrite new business and renewals within agreed Agricultural Motor risk appetite and underwriting authority.
- Assess a broad range of agricultural motor risks, including tractors, agricultural machinery, commercial vehicles and mixed agricultural fleets.
- Consider individual risk characteristics including vehicle type, usage, farming and contracting activities, claims experience, location and overall risk quality.
- Apply appropriate pricing, terms, conditions and underwriting controls to achieve sustainable and profitable growth.
- Develop and maintain strong relationships with key supporting agricultural and rural brokers.
- Conduct broker meetings where required, working closely with the Business Development Team to develop new and existing relationships.
- Identify opportunities to grow the Agricultural Motor account while maintaining underwriting discipline and portfolio quality.
- Support the ongoing development of Agricultural Motor underwriting appetite, guidelines, processes and procedures.
- Work closely with Claims, Pricing, Operations and Business Development to share insight and improve underwriting performance.
- Monitor emerging trends within agricultural motor insurance and use claims and portfolio experience to support underwriting decisions.
- Contribute to improvements in service, processes and efficiency while maintaining a strong focus on broker experience.
- Key Skills & Experience
- Experience within Agricultural Motor underwriting.
- Knowledge of agricultural vehicles, machinery and rural risks would be advantageous.
- Strong underwriting judgement with the ability to assess risks outside straightforward or standardised motor insurance.
- Commercially minded with an understanding of the balance between growth, retention, pricing and profitability.
- Confident in analysing claims experience and other underwriting information to support risk selection and pricing decisions.
- Strong relationship-management skills with the ability to build credibility with brokers.
- Excellent communication and negotiation skills.
- Proactive approach with the confidence to make underwriting decisions within agreed authority.
- Comfortable working independently while contributing to a collaborative underwriting team.
- Good understanding of the impact of claims trends and emerging risks on underwriting performance.
Why Join KGM?
Join a specialist insurer with an established reputation in the UK motor market.
Play an important role in the continued development and growth of our Agricultural Motor proposition.
Work closely with specialist brokers across the agricultural and rural insurance market.
Be part of a collaborative underwriting environment where commercial judgement and broker relationships are valued.
Opportunities for professional development and career progression.
Competitive salary and benefits package.
Hybrid working model, with three days based in the Romford office to support collaboration and engagement.
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
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.
Agricultural Underwriter in London employer: DCR
Howden is an exceptional employer that champions employee ownership and fosters a collaborative culture, making it an ideal place for Underwriters in the construction sector. With flexible working arrangements, a commitment to diversity and inclusion, and ample opportunities for career progression, employees are empowered to shape their own paths while being supported by a dynamic international team. Joining Howden means becoming part of a forward-thinking organisation that values innovation and personal development in a thriving global environment.
StudySmarter Expert Advice🤫
We think this is how you could land Agricultural Underwriter in London
✨Dive Into Industry Networking Events
Get your foot in the door by attending insurance industry events and conferences. Not only will you learn about the latest trends, but you'll also meet potential employers and industry peers. Check out local chapters of professional bodies like the Chartered Insurance Institute for valuable meetups.
✨Use LinkedIn to Your Advantage
Don’t underestimate the power of LinkedIn in the insurance world. Engage with industry content, join relevant groups, and connect with professionals at companies you admire (like DCR). A thoughtful message explaining your interest can really make a difference!
✨Look Out for Graduate Schemes
Many firms in insurance have structured graduate programmes. Keep an eye on application windows and utilise your university's career services for insider tips. These schemes are designed to develop talent and often lead to permanent roles after your initial training.
✨Leverage Your Current Connections
Got friends or family in the industry? Now’s the time to reach out! Personal referrals can give you a head start, so let them know you're on the lookout for full-time opportunities at places like DCR. Don’t shy away from asking for a coffee chat; you never know what doors it might open!
We think you need these skills to ace Agricultural Underwriter in London
Some tips for your application 🫡
Highlight Your Analytical Skills:In insurance, we love a candidate who can crunch numbers and analyse data effectively. When crafting your CV, make sure to showcase any relevant coursework or experiences that highlight your analytical abilities, especially if you’ve tackled risk assessment or financial modelling.
Showcase Industry Knowledge:Don’t be shy about your knowledge of the insurance sector! We want to see that you've done your homework on current trends, regulations, and challenges in the industry. Mention any relevant projects or studies you’ve completed that demonstrate your understanding of the field in your cover letter.
Craft a Compelling Cover Letter:Your cover letter should tell us why you’re passionate about insurance. Share any personal experiences or what drew you into this profession. We’re looking for enthusiasm and a clear motivation for why you want to be part of our team at DCR.
Tailor Your CV for the Role:Don't just send a generic CV! Focus on tailoring it specifically for the insurance role at DCR. Highlight relevant skills such as risk management, customer service experience, or any certifications you've earned in the industry to make your application stand out.
How to prepare for a job interview at DCR
✨Know Your Numbers: Insurance Fundamentals
Brush up on your understanding of key insurance concepts, like underwriting principles and risk assessment. Expect the interviewer at DCR to throw some technical questions your way, so be ready to demonstrate your grasp of these essentials.
✨Showcase Your Analytical Side
In the insurance world, it's all about data. Prepare to discuss any analytical tools or methodologies you've used in past experiences. If you have a portfolio of projects where you've tackled complex data, bring that along to impress the team!
✨Prepare for Behavioural Questions
As a full-timer at DCR, they'll want to know how you handle real-life scenarios, not just theory. Think about challenges you've faced in teamwork or customer service, and how those experiences can relate to a career in insurance.
✨Know the Company Culture Inside Out
Understanding DCR's values and workplace culture is essential. Don’t just memorise their mission statement; think about how your personal values align with theirs. This will show your genuine interest in being part of their team long-term.
