Senior Underwriter

Indulge your passion for problem-solving and embrace the thrill of addressing risk head-on at Gallagher's global brokerage team. Join a family of diverse minds, united by a relentless pursuit of excellence. As part of our team, you'll be the architect of protection, safeguarding businesses and empowering their ambitions. Together, we'll build a legacy of trust and triumph in the dynamic world of risk management.

We believe that every candidate brings something special to the table, including you! So, even if you feel that you’re close but not an exact match, we encourage you to apply.

Hunter McCorquodale is a Managing General Agent and Lloyd’s Coverholder whose core mission is to develop, distribute and underwrite unique Special Risk Disability, Accident and Contingency products, providing solutions to insurance advisors whose client needs cannot be fully satisfied by traditional insurance markets. We pride ourselves on our innovative problem solving capabilities to profitably manage unique underwriting risks on behalf of Lloyd’s, London and other insurer partners. We have a supportive, collaborative and dynamic work environment.

As the Senior Underwriter, working alongside the Manager, Underwriting and Claims Services, as class underwriter for Lloyd’s Disability, Personal Accident and Contingent Contract Protection insurances. The role will be an integral part of a small yet, robust underwriting team with a high degree of authority granted under our Lloyd’s binding authorities. The Senior Underwriter’s medical and financial underwriting confidence and abilities will be relied on heavily to make sound commercial underwriting decisions in respect of complex cases which, for the most part, would be considered uninsurable in traditional markets due to high limits, medical, life-style or risk history. While building relationships with Lloyd’s Underwriters and other external underwriting consultants in complementary product lines, your expertise will be called upon to assist in overseeing and refining our underwriting and policy issue procedures.

• Manage a portfolio of inforce business, providing timely renewal quotes and overseeing the renewal process from quote to issuance.
• Review new business applications and recommend medical and financial underwriting strategy.
• Review incoming requirements and correspondence, keep clear and concise underwriting notes and recommend appropriate next steps to Client Service Associates.
• Refer cases to external underwriting consultants as the need arises while managing underwriting costs.
• Make sound and competitive underwriting decisions to ensure profitability of portfolio.
• Consult with sales team to ensure new business quotes are appropriate and reflect an aggressive, but sound assessment of risk.
• Deliver outstanding service and expertise while answering claims and customer service queries.
• Participate in the building and development of the HM Special Risks Underwriting Manual.
• Stay abreast of industry trends and developments in underwriting and underwriting technology.
• Build strong internal and external relationships to assist in the management of key accounts.
• Engage in project work as required for product development or refinement.
• Adhere to required legislation in regards to safeguarding the privacy of client information, conflicts of interest, anti-money laundering and anti-terrorist funding legislation.
• Participating in industry, National Account or MGA events to promote HM products and improve brand awareness and industry presence, as required.

• Strong communication and interpersonal skills enable you to develop deep relationships with clients and build synergy with colleagues quickly.
• Being solution oriented has always allowed you to offer clients the most resourceful and innovative solutions.
• You bring over 5 years of demonstrated ability in underwriting with a blend of financial and medical underwriting experience.
• Knowledge in underwriting living benefits insurance, particularly focusing on disability and personal accident coverage.
• Familiarity with high-income replacement top-up insurance products is an asset.
• Experience in adding a Lloyds binding or willingness to learn.
• Strong analytical skills with the ability to interpret and assess medical evidence and financial statements.
• Demonstrated ability to work independently and collaboratively within a team.
• Excellent problem-solving skills and attention to detail.
• Strong organizational skills with the ability to manage multiple priorities and meet deadlines.
• Commitment to continuous learning and professional development in the field of underwriting.

On top of a competitive salary, great teams and exciting career opportunities, we also offer a wide range of benefits.

Below are the minimum core benefits you’ll get, depending on your job level these benefits may improve:

• Flexible medical & dental coverage to meet your household's needs.
• Life, Dependent Life and AD & D Insurance options.
• Retirement savings including RRSP including a company match, TFSA, pension and more.
• Employee Stock Purchase Plan.

Other benefits include:

• Educational expense reimbursement.
• Employee assistance programs.
• Discounted gym membership (GoodLife Fitness).
• Opportunity for flexible work arrangements.
• Paid sick days & personal days.
• Employee education recognition program.
• Employee referral bonus program.

We value inclusion and diversity

Inclusion and diversity (I&D) is a core part of our business, and it’s embedded into the fabric of our organization. For more than 95 years, Gallagher has led with a commitment to sustainability and to support the communities where we live and work.

Gallagher embraces our employees’ diverse identities, experiences and talents, allowing us to better serve our clients and communities. We see inclusion as a conscious commitment and diversity as a vital strength. By embracing diversity in all its forms, we live out The Gallagher Way to its fullest.

We are an equal opportunity employer which values diversity in the workplace and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.

Gallagher believes that all persons are entitled to equal employment opportunity and prohibits any form of discrimination by its managers, employees, vendors or customers based on race, color, religion, creed, gender (including pregnancy status), sexual orientation, gender identity (which includes transgender and other gender non-conforming individuals), gender expression, hair expression, marital status, parental status, age, national origin, ancestry, disability, medical condition, genetic information, veteran or military status, citizenship status, or any other characteristic protected (herein referred to as “protected characteristics”) by applicable federal, state, or local laws.

Equal employment opportunity will be extended in all aspects of the employer-employee relationship, including, but not limited to, recruitment, hiring, training, promotion, transfer, demotion, compensation, benefits, layoff, and termination. In addition, Gallagher will make reasonable accommodations to known physical or mental limitations of an otherwise qualified person with a disability, unless the accommodation would impose an undue hardship on the operation of our business.