DUAL Senior Underwriter Property and Casualty - Midlands & South

Howden is a collective – a group of talented and passionate people all around the world. Together, we have pushed the boundaries of insurance. We are united by a shared passion and no-limits mindset, and our strength lies in our ability to collaborate as a powerful international team comprised of 18,000 employees spanning over 100 countries.

People join Howden for many different reasons, but they stay for the same one: our culture. It’s what sets us apart, and the reason our employees have been turning down headhunters for years. Whatever your priorities – work / life balance, career progression, sustainability, volunteering – you’ll find like-minded people driving change at Howden.

We’re looking for the underwriters who want something bigger, who think a little differently and are ready for change. At DUAL, we’re expanding our regional footprint and are looking for expert underwriters, well regarded in their local market, to join us to shape something different. You’ll initially work with the DUAL leadership team to refresh our Commercial Combined proposition before actively trading with Brokers in the early part of 2025. You’ll be working as part of a 10+ person strong branch, reporting into the Regional Manager, and be supported by Business Development Managers as we continue to grow in the regional market. We’re initially recruiting in the Midlands and South West market but are open to Underwriting experts across the UK.

About DUAL

With market-leading market presence in 17+ countries, we’re a truly global organisation. But our real strength lies in our local teams, whose knowledge of their market helps them better understand and meet our clients’ needs. We believe that our success is built on creating and delivering the right products to the right people.

In fact, ever since DUAL was founded in 1998, we have focused on one thing; being the best underwriting business we can be. Specialist underwriting is at the core of our business and has built our reputation as a strong and expert strategic partner for our intermediaries and capacity providers.

Role overview & Role responsibilities

• Work with peers and line of business leaders to shape and deliver DUAL’s Property and Casualty (Commercial Combined) proposition to market, providing considered ideas to evolve the proposition and profitably develop the account.
• Actively contribute towards DUAL's visibility in the local market, working closely with Brokers to identify underserved segments where DUAL can shape propositions to gain market share.
• Build strong relationships with brokers, negotiating effectively, and providing excellent customer service at all times.
• Ability to underwrite both New & Renewal business in line with DUAL's underwriting strategy, within DUAL's underwriting framework.
• Expertly deploy the full extent of Underwriting authority to craft solutions to risks.
• Support the wider team and business to deliver the best of DUAL to our broker partners and customers.
• Work diligently to ensure documentation and underwriting files are thoroughly checked and terms are accurately issued in a timely manner.

Key requirements

• Proven track record of building a portfolio of mid-market property and casualty risks, writing risks £10k+ GWP.
• You’ll ideally have 10+ years of Underwriting experience.
• Professional underwriting qualifications desirable but not essential.
• Attention to detail, and ability to hit deadlines.
• Brand ambassador, meeting with clients where appropriate.
• Strong ability to influence and negotiate with brokers, with excellent interpersonal skills.
• Analytical and creative thinker in meeting Underwriting needs whilst working in partnership with brokers.
• Ability to understand the needs of each Underwriting line on a portfolio basis.
• Ability to motivate and gain buy-in from others effectively.
• Committed to learning and development i.e. continual professional development.
• To work with confidence, embrace change, be inquisitive, resilient, imaginative and direct.
• Ability to communicate theories and ideas.
• Pro-active & flexible approach to your Role.

To Conclude

Join DUAL as a Senior Underwriter in Property and Casualty, and play a key role in shaping our regional expansion. Leverage your expertise, build strong broker relationships, and thrive in a dynamic, market-leading organisation. Be part of shaping the future of underwriting with us.

A career that you define. At Howden, we value diversity – there is no one Howden type. Instead, we’re looking for individuals who share the same values as us:

• Our successes have all come from someone brave enough to try something new

• We support each other in the small everyday moments and the bigger challenges

• We are determined to make a positive difference at work and beyond

We're committed to providing reasonable accommodations at Howden to ensure that our positions align well with your needs. Besides the usual adjustments such as software, IT, and office setups, we can also accommodate other changes such as flexible hours or hybrid working.

If you're excited by this role but have some doubts about whether it’s the right fit for you, send us your application – if your profile fits the role’s criteria, we will be in touch to assist in helping to get you set up with any reasonable adjustments you may require.