Job Description
Insure Recruitment is working in partnership with a high-performing UK Managing General Agent that continues to outperform the market across Personal Lines.
As part of a planned growth strategy, the business is looking to appoint an Underwriter (or experienced Assistant Underwriter) into a high-impact, data-driven underwriting team, offering genuine long-term progression, strong leadership exposure, and the opportunity to develop into a senior underwriting role.
The opportunity
This is a visible, commercially influential position, ideal for an underwriter who enjoys combining risk selection, data insight, and regulatory responsibility. Reporting directly to the Underwriting Director, who operates across Guildford and London, you'll gain exposure to strategic underwriting decisions, portfolio performance, product governance, and compliance oversight, positioning you as a future leader within the team. Hybrid working is fully supported, with flexibility to work at their office in Surrey and attend meetings in London - as the role evolves.
The role
You will underwrite and manage Travel, Wedding, and other Personal Lines products, working closely with brokers, insurers, capacity providers, and internal stakeholders to support profitable and compliant growth. This role suits an underwriter or experienced assistant underwriter who enjoys working with data, MI, policy detail, and regulatory frameworks, rather than purely transactional underwriting.
Key responsibilities
- Underwrite and manage Personal Lines portfolios across Travel, Wedding, Gadget and related products.
- Make underwriting decisions within delegated authority, escalating where appropriate.
- Analyse portfolio performance, loss ratios, trends, and emerging risks to support underwriting strategy
- Use Excel extensively for MI, reporting, and performance analysis
- Build strong, commercially effective relationships with brokers and capacity providers
- Support product development, pricing insight, and underwriting improvements
- Review and contribute to policy wordings, product documentation, and underwriting guidelines
- Maintain accurate underwriting records and robust audit trails
- Ensure underwriting decisions align with FCA regulations, internal governance, and capacity provider requirements
- Actively support Consumer Duty, Fair Value assessments, and Treating Customers Fairly principles
- Assist with Product Governance, including product reviews, target market considerations, and documentation accuracy
- Support audits and compliance processes relating to underwriting files, policy documentation, and regulatory reporting
- Work closely with Operations and Compliance teams to ensure regulatory expectations are met
Skills & experience required
- Proven experience in Personal Lines underwriting (Travel and/or Home preferred)
- Strong Excel capability (pivots, formulas essential)
- Confidence working with MI, data analysis, and underwriting performance metrics
- Understanding of compliance, policy wordings, and FCA regulatory requirements, including Consumer Duty
- Commercial mindset with strong stakeholder and relationship management skills
- Ambition to progress into a senior or leadership role
Training will be provided on Power BI and other analytics tools; prior exposure would be advantageous.
What's on offer
- Highly competitive salary (dependent on experience)
- Hybrid working with long-term flexibility
- Full support for professional insurance qualifications
- 22 days holiday (increasing with service)
- Pension scheme
- Death in service benefit
- Travel insurance
- Employee Assistance Programme
- Regular social events, staff incentives, and attendance at industry awards ceremonies
Our client is recognised for its people-first culture, strong leadership, and exceptionally high staff retention. Investment in talent, technology, compliance, and development is central to their success-making this a career move built for long-term growth and progression.
At Insure Recruitment, we're dedicated to building a diverse and inclusive workplace. Even if your experience doesn't perfectly match every qualification, we encourage you to apply. You might be the perfect fit for this role or another opportunity. We can't wait to hear from you!
