Since 2000, Crum & Forster’s Accident & Health division (A&H) has offered a diverse portfolio of specialty insurance and reinsurance products nationwide. We place a strong focus on product development and creative distribution methods, along with excellent client service and support.
In addition to our robust domestic portfolio, which spans both special risk and medical solutions, A&H works on an international basis through various partnerships.Our global capabilities provide our partners with even broader flexibility in underwriting solutions.
The qualities and capabilities of Crum & Forster Accident & Health demonstrate our philosophy of building meaningful, long-term partnerships and our dedication to providing alternative strategies in an ever-changing insurance market.
The A&H MBU takes a full-spectrum approach to designing and servicing a robust slate of products tailored to needs in Employer Stop Loss, Excess Medical, Life, and Ancillary and Supplemental benefits. Our diversified business model includes program partnerships as well as direct sales in Employer Stop Loss. At year-end 2025, the MBU recorded $1B in gross premium written.
Information about the Role, Line of Business and Team:
This position is responsible for the origination, program management, product development and underwriting of employer stop loss (ESL), Medical XS and ancillary insurance and reinsurance products within the Medical Business Unit (MBU). Other responsibilities include portfolio management, financial planning, strategic development, coordinating accounts and projects with actuaries, operations and shared services, and negotiating contractual terms and conditions.
The Assistant Vice President, of ESL & MC Programs actively contributes as a technical expert in both underwriting activities and department-specific industry knowledge. Collaboration with colleagues is critical to achieving divisional goals.
What you will do:
- Implement strategy to drive profitability, retention, and written premium goals of the MBU
- Evaluate portfolio performance based on profitability metrics and oversee execution of continuously improving portfolio in alignment with division or segment objectives
- Demonstrate understanding and proper use of underwriting tools as well as make recommendations for improvements
- Perform underwriting referral reviews and make independent decisions according to underwriting guidelines and within underwriting letter of authority while maintaining proper client correspondence and agreement documentation
- Advise on and maintain underwriting rules, risk management principles and regulations to ensure compliance with all currently applicable corporate requirements and state and federal legislation
- Establish and manage data flows from client companies to ensure monitoring of results versus established targets and plans
- Develop annual business goals for assigned client partners
- Identify new business opportunities with existing partners and coordinate with the Business Development team
- Establish an in-depth knowledge of department products and services and clearly articulate the department27s value proposition
- Evaluate new business and renewal submissions, as well as schedule and perform underwriting reviews of client companies to provide technical and strategic feedback
- Maintain awareness of market trends, products, market participants and competitive practices, and identify emerging threats to the department
- Advise on product development with respect to distribution considerations, underwriting considerations, and compliance considerations
- Coordinate reinsurance support for programs, including negotiation of renewal terms and conditions and execution of renewal reinsurance agreements
- Participate in the development of strategic annual planning as well as training initiatives and projects
- Manage multi-functional teams and projects to help achieve departmental goals
- Opportunity to lead and manage a small team as the role evolves in the future
- Other duties as assigned
What YOU will bring to C&F:
- Advanced knowledge of and ability to underwrite ESL at the case and portfolio levels
- Strong knowledge of underwriting philosophy, techniques, state and federal filing regulations and guidelines
- Diverse and deep insurance and reinsurance experience across multiple products and operational functions
- Strong grasp of underwriting reporting and financial concepts, as well as accounting principles (e.g. IFRS & Statutory reporting)
- Strong verbal and written communication skills
- Strong interpersonal skills necessary to interact successfully with internal and external clients
- Strong problem-solving skills
- Excellent organizational and time management skills with ability to multi-task with an emphasis on quality and customer service
- Exceptional attention to detail
- Flexible and open to an ever-changing, fast-paced environment
- Demonstrates initiative to learn new skills and products and take on additional tasks or responsibility
- Strong presentation skills and a solutions and service orientation
- Strong risk management and math skills
- Strong negotiation and influencing skills
Requirements:
- Bachelor27s degree from an Accredited institution or equivalent experience required and advanced degree is a plus
- Underwriting and industry designations applicable to area of specialization a plus
- 10+ years of relevant experience required. 8+ years of stop loss underwriting experience and 2+ years27 experience with reinsurance structures, underwriting and contracts preferred.
- Strong computer skills and Microsoft Office skills including Outlook, Word, Excel and PowerPoint
- Knowledge of Connexure and/or Kevin Ugan System a plus
- Travel required
What C&F will bring to you
- Flexible work arrangements.
- Competitive compensation package.
- Generous 401K employer match.
- Employee Stock Purchase plan with employer matching.
- Generous Paid Time Off.
- Excellent benefits that go beyond health, dental & vision. Our Wellness programs focus on your family27s complete wellness, including your physical and mental wellbeing
- A core C&F principle is that you manage your career. To support your development, we have a wealth of ways for you to keep learning, including tuition reimbursement, industry related certifications and professional training available to you.
- A dynamic, ambitious, fun and exciting work environment.
- A spirit of social responsibility, matching donation program, volunteer opportunities, and an employee driven corporate giving.
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