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 making underwriting recommendations and decisions to achieve profitable growth for the Crum & Forster Stop Loss (CFSL) team. Other responsibilities include recommending strategies and objectives for region(s) and coordinating accounts and projects with C&F Stop Loss and other shared services colleagues. The Vice President of Underwriting actively contributes as a technical expert in both underwriting activities and department specific industry knowledge. This individual will lead and mentor a team of underwriters to build organizational value.

What you will do:

• Evaluate portfolio performance based on profitability, retention and growth metrics; define and implement strategic changes, and oversee execution of continuously improving portfolio in alignment with team objectives
• Manage the daily underwriting of the assigned Underwriters; includes but not limited to reviewing referrals, signing off on underwriter discretion, acting as a resource for underwriting questions, managing workflow, monitoring close/loss ratios for underwriters and matching underwriters with producer relationships
• Lead and motivate underwriting team(s) to drive consistent underwriting with profitable results and sustained growth within assigned region(s)
• Demonstrate understanding and proper use of underwriting tools as well as coordinate with actuarial in development, testing and maintenance
• Develop and maintain underwriting rules, risk management principles and regulations to ensure compliance with all currently applicable corporate requirements and state and federal legislation
• Identify underwriting best practices, develop underwriting policies and procedures, and discuss with departmental leadership as needed
• Review and approve system related and pricing tool initiatives along with vendor partnerships that can improve risk selection, pricing and efficiency
• Maintain awareness of market trends, products, market participants and competitive practices, identify emerging threats to the department, analyze and evaluate new developments and trends in the market to identify business potential
• Clearly articulate the department's value proposition
• Provide direction to direct reports in their block renewal strategies using pricing tools, producer analytics, and intel from CFSL sales personnel
• Review producer assignments periodically and work with direct reports to ensure appropriate workload distribution of assigned team(s) and region(s)
• Make independent decisions within underwriting letter of authority and maintain proper file documentation
• Ensure direct reports operate under guidelines
• Conduct team meetings, individual check-ins, and regular performance discussions with underwriting team(s)
• Build a high-performance culture by developing sales oriented, technically strong underwriters and providing leadership, support and guidance to the underwriting team(s)
• Drive performance excellence through goal-setting, quality feedback, and performance appraisals
• Create a working environment where productivity can be sustained and accomplished, and where innovation and personal growth is encouraged and realized
• Key participant in the development of strategic annual planning as well as drive training, initiatives and projects
• Drive and role model the A&H culture, values and C&F core competencies within their team(s)
• Other duties and/or projects as assigned

What YOU will bring to C&F:

• Strong presentation skills and a solutions and service orientation
• High level of communication and analytical skills to pursue new business and manage a significant renewal book to assigned profitability goals
• Exceptional relationship-building and interpersonal skills
• Exceptional verbal and written communication skills
• Exceptional leadership and management skills to drive and deliver outcomes
• Excellent organizational and time management skills with ability to multi-task with an emphasis on quality and customer service
• Strong negotiation and influencing skills

Requirements:

• Bachelor’s Degree from an accredited college or university or equivalent experience and advanced degree a plus
• 15+ years of experience in medical stop loss underwriting and products
• 5+ years of multidisciplinary management experience with a proven track record in leading large teams and achieving results
• Industry designations applicable to area of specialization a plus
• Advanced knowledge of ESL and ESL Underwriting at the case and portfolio levels
• Exceptional knowledge of underwriting philosophy, techniques, state and federal filing regulations and guidelines
• Advanced knowledge of Medical Underwriting practices and principles
• Strong computer and Microsoft Office skills including Outlook, Word, Excel and PowerPoint
• Knowledge of Connexure a plus
• Some 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 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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