Overview
At Financial & Legal Insurance (F&L), we specialise in providing reliable legal expenses insurance tailored to meet the needs of brokers, MGAs, intermediaries, and their clients. Regulated by both the PRA and FCA, we offer Before-the-Event (BTE) and After-the-Event (ATE) insurance alongside a range of general insurance products designed to deliver real results.
Widely recognised as a leader in the industry, F&L is proud to have been named “Personal Lines Insurer of the Year” in 2025, a testament to our commitment to quality and customer-focused solutions.
As our Head of Underwriting, you’ll play a pivotal role in strengthening our business, ensuring risk management excellence, enhancing efficiency, and inspiring a high-performing underwriting team.
About the Role
As the Head of Underwriting, your key responsibilities include :
Responsibilities
* Crafting and refining the companys underwriting strategy to achieve profitable growth, increased market share, and disciplined risk selection.
* Leading the Underwriting Committee, balancing commercial opportunities with rigorous risk governance.
* Overseeing portfolio and scheme performance, assessing loss ratios, retention trends, and making key adjustment proposals to support growth.
* Enhancing product design, policy wordings, and underwriting guidelines to stay competitive and compliant.
* Acting as a key point of contact for regulators, brokers, clients, and stakeholders, ensuring transparency and confidence in account performance.
* Spearheading underwriting system improvements, embedding automation to increase efficiency and consistency in decision-making.
* Providing technical guidance to internal teams, while forging strong, trustful relationships with brokers and clients.
* Championing compliance to meet FCA regulations, industry standards, and internal governance requirements.
What We’re Looking For
* ️ A proven track record in senior underwriting leadership roles within the insurance industry.
* ️ Deep knowledge of General Insurance products, risk selection methods, and portfolio analysis.
* ️ A strategic thinker with expertise in blending analytical risk methodology with commercial opportunity.
* ️ Experience engaging with regulators, brokers, clients, and internal committees, acting as a trusted voice in the industry.
* ️ Strong understanding of regulatory frameworks, including FCA and governance standards.
* ️ Tech-savvy — skilled in implementing analytics tools, dashboards, and automated underwriting processes.
* ️ A natural ability to lead and inspire high-performing teams while fostering professional growth and psychological safety.
Why Join Us
This is a unique opportunity to lead within a collaborative, dynamic, and award-winning organisation. Here’s what you can look forward to :
* 🌟 The chance to define strategy, influence growth, and shape the underwriting future of the company.
* 🌟 Working on cutting-edge solutions — championing innovative digital tools and automation to enhance accuracy and efficiency.
* 🌟 An inclusive culture that values employee engagement, professional development, and strong leadership.
* 🌟 Extensive senior leadership exposure, working closely with Managing Directors and stakeholders to define multi-year plans.
* 🌟 Competitive salary, benefits package, and potential incentives linked to company performance.
Take your underwriting expertise to the next level. Bring your strategic insight, leadership experience, and passion for disciplined decision-making, and help us deliver a better future for the insurance industry.
🔗 Apply now or reach out to find out more about this exciting opportunity.
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