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- Tasks: Review and negotiate policy wordings, ensuring clarity and compliance.
- Company: Join Tokio Marine Kiln, a leader in the insurance industry.
- Benefits: Competitive salary, inclusive culture, and opportunities for professional growth.
- Other info: Collaborative environment with a focus on continuous development.
- Why this job: Make a real impact on underwriting standards and customer outcomes.
- Qualifications: In-depth knowledge of insurance contracts and strong drafting skills.
The predicted salary is between 60000 - 80000 £ per year.
Tokio Marine Kiln (TMK) is seeking an experienced Senior Wordings Underwriter to join our Customer Oversight team in London. This is a key senior technical role, supporting 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. The role combines deep technical expertise with strong commercial judgement and market engagement.
What You’ll Be Doing
- 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.
What we’re looking for:
- You’ll bring strong technical expertise and credibility, along with a collaborative and pragmatic mindset.
Technical Experience
- 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 US surplus lines and non‑admitted risks.
- Confidence engaging with Lloyd’s and regulators.
- Solid understanding of underwriting and claims operations.
Skills & Behaviours
- 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.
Why join TMK?
At TMK, you’ll work in a high‑performing, inclusive environment where technical excellence is valued and expertise is trusted. You’ll have the opportunity to shape wording standards, influence underwriting outcomes and contribute materially to the strength, integrity and sustainability of TMK’s Lloyd’s platform.
Senior Wordings Underwriter employer: Tokio Marine Kiln
Contact Detail:
Tokio Marine Kiln Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Wordings Underwriter
✨Network Like a Pro
Get out there and connect with people in the industry! Attend events, join online forums, and don’t be shy about reaching out to professionals on LinkedIn. We all know that sometimes it’s not just what you know, but who you know that can help you land that Senior Wordings Underwriter role.
✨Show Off Your Expertise
When you get the chance to chat with potential employers, make sure to highlight your technical expertise and experience with policy wordings. We want to see you confidently discussing your knowledge of insurance contracts and how you can contribute to TMK’s success!
✨Prepare for the Interview
Do your homework before any interviews! Understand TMK’s values, their approach to underwriting, and recent market trends. We suggest preparing some thoughtful questions to show you’re genuinely interested in the role and the company.
✨Apply Through Our Website
Don’t forget to apply directly through our website! It’s the best way to ensure your application gets seen by the right people. Plus, we love seeing candidates who take the initiative to engage with us directly.
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 insurance contracts and policy wordings, as well as any relevant regulatory knowledge. We want to see how your skills align with what we’re looking for!
Show Off Your Drafting Skills: Since excellent drafting skills are a must, 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 and attention to detail.
Be Clear and Concise: When writing your application, keep it straightforward and to the point. Use clear language and avoid jargon unless necessary. We appreciate a well-structured application that reflects your strong communication skills.
Apply Through Our Website: Don’t forget to submit your application through our website! It’s the best way for us to receive your details and ensures you’re considered for the role. Plus, it shows you’re keen on joining our team at TMK!
How to prepare for a job interview at Tokio Marine Kiln
✨Know Your Wordings Inside Out
Before the interview, make sure you’re well-versed in the specifics of policy wordings and contractual documentation. Brush up on your knowledge of London Market practices and be ready to discuss how you’ve navigated complex wording negotiations in the past.
✨Showcase Your Technical Expertise
Be prepared to demonstrate your in-depth understanding of insurance contracts and regulatory considerations. Think of examples where your technical skills made a significant impact on underwriting performance or customer outcomes, and be ready to share them.
✨Communicate Clearly and Confidently
As a Senior Wordings Underwriter, clear communication is key. Practice articulating your thoughts on complex topics in a straightforward manner. Use examples from your experience to illustrate your points and show how you can influence and build consensus.
✨Demonstrate Your Collaborative Spirit
This role requires working closely with various teams, so highlight your ability to collaborate effectively. Prepare to discuss instances where you’ve successfully partnered with underwriters, brokers, or claims teams to achieve a common goal, showcasing your team player mentality.