Accident & Health Underwriter

ACCIDENT & HEALTH UNDERWRITER

Specialist MGA | London / Hybrid | Salary £70,000 to £90,000

Carlton Young is working with a growing specialist MGA that is looking to appoint an experienced Accident & Health Underwriter as part of its continued development plans.

This is an opportunity for someone who has already built strong A&H underwriting experience and is now looking for greater visibility, broader responsibility and the chance to play an important role in the development of a growing portfolio.

The business is building carefully and with long-term intent. The successful candidate will work closely with senior underwriting leadership, supporting the day-to-day management and development of the Accident & Health account while contributing to the wider growth strategy.

This role could suit an established Underwriter, Senior Underwriter or developing portfolio specialist with experience across Accident & Health, Travel, Personal Accident, Sports, Entertainment or related specialist classes.

Previous Accident & Health underwriting experience is essential.

The Role

The Accident & Health Underwriter will be responsible for underwriting new and renewal business across a specialist portfolio.

Responsibilities will include:

• Reviewing and assessing new business and renewal submissions
• Pricing risks in line with agreed appetite, authority and portfolio objectives
• Underwriting a range of Accident & Health risks across relevant specialist sectors
• Reviewing claims information, exposure data and supporting documentation
• Making sound underwriting decisions within delegated authority
• Preparing clear referrals for risks outside agreed authority levels
• Working closely with brokers to obtain information, negotiate terms and progress opportunities
• Supporting the development of profitable broker relationships
• Contributing to portfolio monitoring, reporting and performance analysis
• Maintaining strong underwriting discipline as the account grows
• Supporting the development of wordings, pricing approaches and underwriting guidelines
• Monitoring market conditions, emerging exposures and competitor activity
• Maintaining accurate underwriting records and supporting audit and compliance requirements
• Working closely with senior underwriting leadership on the continued development of the A&H proposition

About You

We are interested in speaking with candidates who have:

• Strong Accident & Health underwriting experience
• Experience gained within an MGA, Lloyd’s business, insurer or specialist market environment
• Exposure to Travel, Personal Accident, Sports, Entertainment or related A&H classes
• Strong technical underwriting judgement
• Experience reviewing, pricing and managing risks confidently
• An understanding of delegated authority and referral structures
• Broker-facing experience and the ability to build credible market relationships
• The ability to operate effectively within a growing and entrepreneurial environment

This role would particularly suit someone who wants to develop into a broader senior or portfolio leadership position over time and who would value close exposure to underwriting decision-making.

The Opportunity

This is a confidential opportunity with a specialist insurance platform that is investing in growth across selected classes.

The position offers:

• Salary of £80,000 to £90,000, depending on experience
• Competitive bonus and benefits package
• Hybrid working
• The opportunity to influence the continued development of the A&H account
• Genuine scope for longer-term progression as the portfolio grows

To be considered, please submit a complete and up-to-date CV clearly outlining your Accident & Health underwriting experience.

About Carlton Young

Launched in 2024, Carlton Young specialises in the recruitment of professionals across the Accountancy, Finance, HR and Insurance sectors.

Founded by a highly experienced multi-disciplined recruiter and a fully qualified chartered accountant, and supported by a skilled team of dedicated recruiters, we combine industry expertise with recruitment knowledge to connect talented professionals with leading businesses.

We value every application. However, due to the volume of applications received, we are only able to contact candidates whose skills and experience closely match the requirements of our client.

In accordance with the Asylum and Immigration Act 1996, applicants must be eligible to live and work in the UK and will be required to provide evidence of their eligibility.

In accordance with the Employment Agencies Act 1973, Carlton Young does not charge work-seekers for work-finding services.