Job Description
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 A&H demonstrate our philosophy of building meaningful, long-term partnerships and our dedication to providing alternative strategies in an ever-changing insurance market.
The Medical Business Unit (MBU) takes a full-spectrum approach to designing and servicing a robust slate of products that are 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 is a unique opportunity to work with a high-quality team of leaders and benefit from the security and stability of a large organization while maintaining a nimble and responsive approach to business. The Senior Underwriter is responsible for developing and managing a large block of stop loss business and partnering with our sales team to help grow the top line while ensuring we meet our target loss ratio.
What you will do:
- Demonstrate understanding and proper use of underwriting tools
- Apply underwriting rules, risk management principles and regulations to ensure compliance with all currently applicable corporate requirements and state and federal legislation
- Consistently apply underwriting best practices
- Maintain awareness of market trends, products, market participants and competitive practices
- Ability to articulate the department's value proposition
- Assist in developing annual business goals for assigned agents/producers; responsible for analyzing results and maintaining accountability of agency partners within the department
- Implement block renewal strategies using pricing tools, producer analytics, and intel from CFSL sales personnel
- Make independent decisions within underwriting letter of authority and maintains proper file documentation
- Manage assigned workload to meet productivity requirements and achieve annual business goals
- Develop sound Specific and Aggregate Stop Loss pricing recommendations for both prospective and in-force Employer Stop Loss accounts using multiple tools according to underwriting guidelines, including medical evaluations of ongoing large claims
- Accountable for profitability of your portfolio of business and all risk-based decisions; proactively take steps to manage profitability, persistency and growth.
- Consult with sales team to formulate a successful sales strategy
- Complete facultative approvals for less tenured underwriters and mentor when necessary
- Maintain strategic relationships with sales, brokers, third-party administrators (TPAs), and other
- Model high performance culture as a sales oriented, technically strong underwriter.
- Other duties as assigned
What YOU will bring to C&F:
- Adept decision-making skills
- Effective relationship-building and interpersonal skills
- Strong verbal and written communication skills
- Service and sales orientation
- Excellent organizational and time management skills with ability to multi-task with an emphasis on quality and customer service
- Effective negotiation and influencing skills
Requirements:
- Bachelor's degree from an accredited college or university or equivalent experience
- 6+ years of related work experience, preferably in underwriting and/or sales
- Well-developed knowledge of Employer Stop Loss
- Strong knowledge of underwriting philosophy, techniques, state and federal filing regulations and guidelines
- Strong computer skills and Microsoft Office skills including Outlook, Word, Excel and PowerPoint
- Knowledge of Connexure a plus
- Industry designations applicable to area of specialization a plus
- Willingness to travel multiple times per year to develop relationships
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 family’s 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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