Property Underwriter in Birmingham

We're working with a well-established UK insurance business to appoint a Property Underwriter into a newly created, growing team within an established business unit. This is an opportunity to join a team from the ground up, shape how it operates, and have direct influence over complex, non-standard property risks. If you're an experienced insurance professional who enjoys exercising technical judgement and wants a role where your expertise is genuinely valued, this role is worth exploring.

Why this role could be right for you:

• You'll be a key Property Underwriter in a team handling complex, non-standard property insurance risks, rather than routine or commoditised business.
• The role gives you autonomy: you'll assess, agree, and sign off on risks that require technical expertise and judgement.
• You'll work with brokers and delegated underwriting partners, influencing appetite, structure, and risk acceptance.
• Competitive pay, dependable annual bonuses linked to business performance, and a strong pension scheme.
• Low staff turnover and a culture that supports long-term careers.
• The chance to shape a new team and its processes, leaving a lasting mark on how the business operates.

What you'll be doing day to day:

• Underwriting a portfolio of property insurance risks, focusing on non-standard, complex risks.
• Acting as a senior referral point within the team, providing guidance and decisions on challenging cases.
• Applying technical knowledge to coverage, pricing, terms, and risk selection, ensuring business remains profitable.
• Reviewing delegated authority arrangements, monitoring performance, and supporting the development of partnerships.
• Tracking portfolio performance, including retention, claims, and pricing, and recommending adjustments as needed.
• Contributing to product oversight, including policy wordings, coverage changes, and technical standards.
• Supporting colleagues by sharing knowledge and training, helping maintain consistent underwriting quality.
• Leading or contributing to short-term projects aimed at improving processes, systems, or team capability.

Who this will suit:

• A Property Underwriter or senior property-focused underwriter with experience in an insurer or broker.
• Strong technical knowledge of UK commercial property insurance.
• Comfortable taking responsibility for complex or unusual risks.
• Experienced in working with delegated authority arrangements.
• A measured, risk-aware approach - prioritising sustainable decisions over volume.
• ACII or equivalent is welcome, but not essential.

Location and working pattern:

Office-based, with flexibility, in a location commutable from Stratford-upon-Avon, Warwick, Leamington Spa, Alcester, Evesham, Redditch, Banbury and surrounding towns. The business offers practical, sensible working patterns suitable for experienced insurance professionals.

What's in it for you:

• A role that respects and uses your experience.
• Exposure to technically interesting, non-routine insurance risks.
• A new team within a stable, growing business unit, offering influence and career progression.
• Competitive remuneration, reliable bonuses, and strong benefits.
• A working environment built for longevity, expertise, and professional development.

This Property Underwriter role offers the chance to join a team at the start of its journey, take ownership of complex risks, and shape how a successful business grows. If this sounds like the right step for you, contact us for a confidential discussion.