At a Glance
- Tasks: Review and negotiate policy wordings, ensuring clarity and compliance.
- Company: Join Tokio Marine Kiln, a leader in the insurance industry.
- Benefits: Competitive salary, professional development, and a collaborative work environment.
- Other info: Dynamic role with opportunities for growth and continuous learning.
- Why this job: Make a real impact by shaping insurance policies that protect customers.
- Qualifications: In-depth knowledge of insurance contracts and strong drafting skills required.
The predicted salary is between 70000 - 90000 £ per year.
Tokio Marine Kiln (TMK) is seeking an experienced Senior Wordings Underwriter to join our Customer Oversight team in London. This key senior technical role supports underwriting performance by ensuring policy wordings and contractual documentation are drafted, reviewed and negotiated to the highest standard. Reporting to the Senior Wordings Lead, you’ll act as a trusted technical partner to underwriters, brokers and claims teams, ensuring policy documentation accurately reflects the intended cover, aligns with TMK’s risk appetite and delivers clear, fair and compliant outcomes for customers.
Responsibilities
- Review, negotiate and agree policy wordings and contractual documentation across TMK’s core business lines, ensuring clarity, precision and consistency.
- Draft and amend policy wordings, clauses, summaries of cover and supporting documentation in line with legal, regulatory, reinsurance and internal governance requirements.
- Ensure documentation does not unintentionally broaden cover or expose TMK to unintended risk.
- Work closely with underwriting teams, brokers and third parties to agree and implement new or amended wordings.
- Act as a specialist referral point and coach, providing expert advice, guidance and constructive challenge on wording-related matters.
- Proactively identify contractual, wording or market issues and deliver practical, commercially appropriate solutions.
- Maintain ownership and momentum of complex wording negotiations through to final agreement.
- Support underwriting and claims teams on technical wording issues to enable effective decision‑making and claims outcomes.
- Contribute to product development, market research and analysis of emerging trends and market practices.
- Ensure compliance with Lloyd’s requirements, market best practice and TMK’s underwriting standards and controls.
- Support regulatory activities, including reviews and responses, with a focus on fair customer outcomes.
- Represent TMK at relevant market committees, forums and industry working groups where required.
- Contribute to training, knowledge sharing and the continuous development of wording capability across the business.
Qualifications
- In-depth knowledge of insurance contracts, policy wordings and customer communications.
- Strong understanding of London Market practice, including reinsurance wordings.
- Experience with regulatory and contractual considerations across multi‑jurisdictional business, including U.S. surplus lines and non‑admitted risks.
- Confidence engaging with Lloyd’s and regulators.
- Solid understanding of underwriting and claims operations.
- Excellent drafting skills and a high standard of written English.
- Exceptional attention to detail and the ability to spot and resolve issues effectively.
- Strong commercial judgement, balancing regulatory compliance with business objectives.
- Clear, confident communicator, able to influence, challenge constructively and build consensus at all levels.
- Resilient and adaptable, with the ability to manage competing priorities.
- A collaborative team player with a strong sense of ownership and accountability.
- Commitment to continuous professional development and market best practice.
Senior Wordings Underwriter employer: Tokio Marine Kiln Insurance Services Limited
At Tokio Marine Kiln, we pride ourselves on being an exceptional employer, offering a dynamic work culture that fosters collaboration and innovation in the heart of London. Our commitment to employee growth is evident through continuous professional development opportunities and a supportive environment where your expertise as a Senior Wordings Underwriter will be valued and nurtured. Join us to be part of a team that not only prioritises compliance and clarity in policy documentation but also champions fair outcomes for our customers.
Contact Details:
Tokio Marine Kiln Insurance Services Limited Recruitment Team
StudySmarter Expert Advice🤫
We think this is how you could land Senior Wordings Underwriter
✨Tip Number 1
Network like a pro! Reach out to your connections in the insurance industry, especially those who work at Tokio Marine Kiln. A friendly chat can sometimes lead to opportunities that aren’t even advertised yet.
✨Tip Number 2
Prepare for interviews by brushing up on your knowledge of policy wordings and the London Market. We recommend practising common interview questions and scenarios related to underwriting to show you’re the right fit for the Senior Wordings Underwriter role.
✨Tip Number 3
Don’t forget to showcase your drafting skills! Bring along examples of your previous work or case studies that highlight your attention to detail and ability to negotiate complex wordings. This will set you apart from other candidates.
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets noticed. Plus, it shows you’re genuinely interested in joining our team at TMK. Let’s get you on board!
We think you need these skills to ace Senior Wordings Underwriter
Some tips for your application 🫡
Tailor Your Application:Make sure to customise your CV and cover letter for the Senior Wordings Underwriter role. Highlight your experience with policy wordings and your understanding of London Market practices. We want to see how your skills align with what we're looking for!
Show Off Your Drafting Skills:Since this role requires excellent drafting skills, consider including examples of your previous work or projects where you’ve successfully drafted or negotiated policy wordings. This will give us a clear picture of your capabilities.
Be Clear and Concise:When writing your application, clarity is key! Use straightforward language and avoid jargon unless necessary. We appreciate a well-structured application that gets straight to the point while showcasing your expertise.
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 Tokio Marine Kiln!
How to prepare for a job interview at Tokio Marine Kiln Insurance Services Limited
✨Know Your Stuff
Make sure you brush up on your knowledge of insurance contracts and policy wordings. Familiarise yourself with the specific requirements of Tokio Marine Kiln and their risk appetite. Being able to discuss these topics confidently will show that you're serious about the role.
✨Prepare for Technical Questions
Expect to be asked about your experience with drafting and negotiating policy wordings. Prepare examples from your past work where you've successfully navigated complex wording negotiations or resolved issues. This will demonstrate your expertise and problem-solving skills.
✨Show Your Collaborative Side
Since this role involves working closely with underwriters, brokers, and claims teams, be ready to discuss how you've collaborated in previous roles. Highlight instances where you’ve acted as a trusted partner or coach, and how you’ve contributed to team success.
✨Stay Up-to-Date
Keep an eye on emerging trends and market practices in the insurance industry. Being able to discuss recent developments or regulatory changes will not only impress your interviewers but also show your commitment to continuous professional development.
