Underwriter - Property & Casualty

6 months ago


Manchester, United Kingdom CNA Hardy Full time

**Job Profile**

**Function / Area**:Property & Casualty**

**Reports To**:Underwriting Centre Manager**

**Position Summary**

Under broad supervision, responsible for underwriting risks in a book of business.

Works within limited authority on assignments of moderate technical complexity.

Utilises underwriting policies and guidelines, rating manual rules and insurance laws and regulations.

**Key Responsibilities**

Determines acceptability of risk in accordance with company guidelines and standards.
- Recommends appropriate pricing and coverage modifications or enhancements for risks after complete analysis and consideration of applicant documentation, business factors and competitive situations.
- Prepares quotations and answers questions from Brokers, internal and external contacts and escalates issues as necessary.
- Prepares written communications on adverse underwriting decisions, rate appeals, underwriting requirements, status and declinations. Verbally notifies Brokers of decisions where appropriate in order to ensure clear understanding of the decision.
- Analyses quality, quantity, and profitability of risks underwritten and prepares reports for
- management review.
- May assist in marketing products and services through the brokerage community and makes field visits.
- Develops and maintains positive Broker relationships.
- Keeps current on state/territory issues, regulations and trends.
- Works with more senior underwriters or management on risks exceeding authority level or requiring special handling.
- Develop proficiency in all relevant CNA systems.
- May update the underwriting systems.
- May perform additional duties as assigned.

**Skills, Knowledge & Abilities**

Knowledge of underwriting and insurance industry theories and practices.
- Developing technical expertise and negotiation skills.
- Strong interpersonal and communication skills.
- Ability to effectively interact with peer level CNA internal and external business partners.
- Ability to work independently.
- Strong analytical and problem solving skills
- Ability to exercise independent judgment and make sound business decisions effectively.
- Strong knowledge of Microsoft Office Suite as well as other business-related software.

**Company Description**

**_ Company Overview_**

CNA Hardy is a leading specialist commercial insurance provider for clients within the Lloyd’s and company markets. We are part of CNA Financial Corp, the 8th largest U.S. commercial property and casualty insurance company. Established in 1897, CNA has approximately 7,000 employees, serving businesses and professionals in the U.S., Canada, Europe and Asia. We offer a wide range of products and services, providing a superior suite of insurance solutions that any organisation conducting business requires.

**_ Why Choose CNA Hardy?_**
- For us, the customer comes first._

Our winning proposition is our commitment to our customers: We offer more than just a policy - we deliver distinctive insurance solutions and we promise a superior customer service. How we deliver on this commitment is what sets us apart from the competition. Here are just some of the reasons you should choose us:

- **
Our people**: We recognise that our staff bring our commitment to our customers to life. Our priority is to be a great place to work so we continue to attract, retain and develop the best talent in the market.
- ** Our product offering**: We develop innovative and specialised solutions by product and industry specialism and create certainty for customers through the delivery of underwriting and service excellence. This comprehensive global product offering supported by superior claim and risk control services is hard to replicate.
- ** Our relationships**: We believe in building enduring relationships and want to focus our energy on partnering with customers and producers who value our approach and seek the same.
- ** Our track record**: Our financial strength underpins our contract with our customers. We receive consistently high ratings from AM Best and Standard and Poor’s proving our ability to deliver on our commitment should the worst happen.

**_
Treating Customers Fairly_**
- We deal with our Customers in a professional, open and honest way at all times
- Designing and delivering products that meet their needs;
- Ensuring that no claims are unreasonably rejected; and
- Aiming to do things right the first time and putting them right if we get them wrong.

**_
CNA Hardy is an equal opportunity employer._



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