责任与意外险承保人
Liabilities and Casualty Lines Underwriter
职位描述：
该职位支持责任/意外险和金融险的承保工作，协助评估、定价和管理符合公司指南和监管要求的保单。该职位涉及财产损失、人身伤害和产品责任等领域，与经纪人和客户沟通以收集信息并帮助制定合适的保障方案。该职位还参与组合监控，并与内部团队（包括理赔和法律部门）合作，以支持有效的和一致的承保决策。
职责：
- 应用承保和风险选择技术来确定新保单和续保风险的可接受性。
- 回应分销团队关于承保流程和决策、保单条款和保障范围以及保费水平的查询。
- 审查为特定中介设计的特殊计划，以提高其业务盈利能力。
- 在授权的承保限额内接收并审查新业务提案、批改和续保。
- 使用风险建模技术和规定的承保指南来评估、评估和定价风险。
- 收集、准备并提交关于承保、运营成本、承保敞口和赔付率的月度管理报告。
- 分析、评估和分类分配的申请，结合检查报告和财务报表以帮助确定风险的可接受性。承保人将确定适当的费率，并与代理和/或潜在被保险人协商以修改风险，使风险可接受。
- 作为内部/外部查询的首个联系点
- 在定义的授权范围内批准保单
- 与其他部门垂直团队联络并更新业务情况
- 与再保险和理赔部门联络以解决服务交付问题，
- 协助提供准确、高质量且快速的承保服务，以建立客户关系和信誉
- 根据风险价格分析向经纪人/第三方/客户提供报价，并在高级主管的咨询下进行。
- 当客户的问题和担忧未能在规定政策和处理时间内得到及时解决时，进行上报。
- 与分销团队以及财务和账务团队联络，处理保费应收事宜以及保费
查看英文原文
About the Role:
This role supports the underwriting of liability/casualty and financial lines insurance risks, assisting in the assessment, pricing, and management of policies in line with company guidelines and regulatory requirements. The position involves working across areas such as property damage, personal injury, and product liability, liaising with brokers and clients to gather information and help structure suitable coverage solutions. The role also contributes to portfolio monitoring and works with internal teams, including claims and legal, to support effective and consistent underwriting decisions.
Responsibilities:
- Applies underwriting and risk selection techniques to determine the acceptability of new and renewal insurance risks.
- Responds to inquiries from distribution teams regarding underwriting processes and decisions, interpretation of policy forms and coverages, and premium levels.
- Review special programs made for selected intermediaries to improve the profitability of their book of business.
- Receive and review new business proposals, endorsements and renewals within authorised underwriting limits
- Assess, evaluate and price risk using risk modelling techniques and prescribed underwriting guidelines
- Gather, prepare and present monthly management reports on underwriting, operating costs, underwriting exposures and loss ratio
- Analyses, evaluates, and classifies the assigned applications working with inspection reports and financial statements to aid in determining risk acceptability. The underwriter will determine the appropriate rates, and counsels with agents and/or potential insured for risk modification in order to make the risk acceptable.
- Provide first point of contact for escalation of any internal / external queries
- Approves policies within defined authority limits
- Liaise and interface with other verticals in the department to update on business
- Liaise with reinsurance and claims for service delivery issues,
- Assist in providing an accurate, high quality and speedy underwriting service that builds customer relations and credibility
- Provide quotes to brokers / third parties / customers based on risk price analyses with the consultation of Seniors.
- Escalate customer issues and concerns where the timely resolution is not being achieved in light of the laid out policy and turnaround time.
- Liaise and assist distribution as well as finance and account team for premium receivables as well as premium payment to reinsurers. Ensure premium payment terms are not breached
- Attend meetings with brokers or clients as and when required
- Assist operations team as well as distribution team in managing premium booking etc for the bound quotes
Qualifications & Experience:
- Graduate degree preferably in Engineering, Science
- Insurance qualifications ACII or III while CPCU is preferrable
- Qualifications in risk management will be added advantage
- Qualification in law is added advantage
- Proven ability in underwriting, organizing workload, prioritise the work
- Minimum 5 plus years experience of working as Underwriter for the following classes of Business:
Professional & Specialty risks
- Professional Indemnity – Annual Cover (Architect, Engineers, Lawyers, Accountants, IT firms, miscellaneous)
- Single Project – construction PI with Extended Reporting period
- Comprehensive Crime / Bankers Blanket Bond & computer Crime, Money, Fidelity
- Director and Officers Liability
Casualty/ Liabilities Lines:
- Casualty: CGL (Public, Product & Pollution Liability) cover for operational Risks (Malls, Residences, Utilities, Energy risks) and also for construction risks (sec II of MRe) including Petroleum projects and offshore
- Casualty: Workmen Compensation and Employers Liability
- Affinity Products: Extended Warranty, Accidental damage for Automobile including GAP cover and/or white goods like Mobile phones etc
Medical Malpractice
Cyber underwriting will be added advantage
Other:
- English, Arabic is an advantage
- 5 years underwriting experience as a casualty underwriter and or Financial Lines
- Preferably with any reputed Insurance or Reinsurance Company
Originally posted on Himalayas