Head of Underwriting

At Financial & Legal Insurance (F&L), we specialise in providing reliable legal expenses insurance tailored to meet the needs of brokers, MGAs, intermediaries, and their clients. Regulated by both the PRA and FCA, we offer Before-the-Event (BTE) and After-the-Event (ATE) insurance alongside a range of general insurance products designed to deliver real results. Widely recognised as a leader in the industry, F&L is proud to have been named “Personal Lines Insurer of the Year” in 2025, a testament to our commitment to quality and customer-focused solutions. As our Head of Underwriting, you’ll play a pivotal role in strengthening our business, ensuring risk management excellence, enhancing efficiency, and inspiring a high-performing underwriting team. About the Role As the Head of Underwriting, your key responsibilities include: ✅ Crafting and refining the company's underwriting strategy to achieve profitable growth, increased market share, and disciplined risk selection. ✅ Leading the Underwriting Committee, balancing commercial opportunities with rigorous risk governance. ✅ Overseeing portfolio and scheme performance, assessing loss ratios, retention trends, and making key adjustment proposals to support growth. ✅ Enhancing product design, policy wordings, and underwriting guidelines to stay competitive and compliant. ✅ Acting as a key point of contact for regulators, brokers, clients, and stakeholders, ensuring transparency and confidence in account performance. ✅ Spearheading underwriting system improvements, embedding automation to increase efficiency and consistency in decision-making. ✅ Providing technical guidance to internal teams, while forging strong, trustful relationships with brokers and clients. ✅ Championing compliance to meet FCA regulations, industry standards, and internal governance requirements. This is a strategic senior position where you’ll work closely with the Managing Director and Executive team to shape long-term business strategy, drive market position improvement, and ensure exceptional operational integrity. What We’re Looking For We want to hear from motivated leaders who thrive on creating impact and driving results: ✔️ A proven track record in senior underwriting leadership roles within the insurance industry. ✔️ Deep knowledge of General Insurance products, risk selection methods, and portfolio analysis. ✔️ A strategic thinker with expertise in blending analytical risk methodology with commercial opportunity. ✔️ Experience engaging with regulators, brokers, clients, and internal committees, acting as a trusted voice in the industry. ✔️ Strong understanding of regulatory frameworks, including FCA and governance standards. ✔️ Tech-savvy — skilled in implementing analytics tools, dashboards, and automated underwriting processes. ✔️ A natural ability to lead and inspire high-performing teams while fostering professional growth and psychological safety. Why Join Us? This is a unique opportunity to lead within a collaborative, dynamic, and award-winning organisation. Here’s what you can look forward to: The chance to define strategy, influence growth, and shape the underwriting future of the company. Working on cutting-edge solutions — championing innovative digital tools and automation to enhance accuracy and efficiency. An inclusive culture that values employee engagement, professional development, and strong leadership. Extensive senior leadership exposure, working closely with Managing Directors and stakeholders to define multi-year plans. Competitive salary, benefits package, and potential incentives linked to company performance. Take your underwriting expertise to the next level. Bring your strategic insight, leadership experience, and passion for disciplined decision-making, and help us deliver a better future for the insurance industry. Apply now or reach out to find out more about this exciting opportunity.