Desk Underwriter

job description:
Hiscox is an international specialist insurer and reinsurer. We provide market leading products and excellent service to individuals and businesses with unusual and often complicated insurance needs. A FTSE 250 company, we can trace our roots to the Lloyd’s market in 1901. We employ over 3000 highly professional staff, have offices in 11 countries and customers all over the world.

Any business is only as good as the people it employs, and we employ the best in the business. We empower our people to provide the type of insurance solutions which are often too complex for other insurance companies, and aim to provide our customers with a level of personal attention that standard insurers might not be able to.

**The Role**

Working within the Hiscox Underwriting Team, you will be accountable for underwriting and renewing a caseload of existing Professional Indemnity and Commercial Risks (50%) and Art & Private Client (50%) for our Republic of Ireland Business. You will actively identify opportunities to cross-sell and have a strong focus on building rapport with, and delivering a superb service to our broker partners.

**Key Requirements**
- Underwrite, price and negotiate accounts consistent with the quality of the risk and according to the company’s strategy and guidelines for the Professional Indemnity and Commercial risks product line;
- Develop new relationships and maintain existing relationships with brokers;
- Work with operations, claims, finance and internal and external marketing to build products and contribute to the financial performance of the business unit;
- Maintain excellent service standards;
- Monitor product results and develop ideas to increase productivity;
- Maximize the retention of existing renewals and handle mid-term adjustments on existing business;
- Contribute to growing the existing business income through cross-sell and up-sell;
- To deal quickly and efficiently with a large volume requests from Brokers;
- To effectively negotiate with both internal and external parties including identified points of contact within a brokerage;
- Maintain profitability of the account by making sound and consistent individual underwriting decisions;
- To identify and challenge non-standard underwriting decisions within the Technical Underwriting Guide (TUG) with a reasoned referral to a product expert or senior underwriter;
- To regularly challenge convention, writing ‘non standard’ business and able to take decisive action on loss making business;
- Take ownership of the performance of your region’s account, identifying non performing accounts in terms of key performance indicators (e.g. retention and profitability) and take appropriate action or flag with the relevant people.

person specification:
**Person Specification**
- Excellent written and verbal communication skills both in English.
- Outgoing, driven, high attention to detail and results focused mentality;
- The ability to identify business needs
- Strong understanding of basic sales principles, negotiation skills and demonstrate a competitive drive;
- Strong interpersonal skills and ability to work independently in a collaborative environment;
- Innate service focus which enables one to effectively interact with all levels of internal and external customers and partners;
- Demonstrable drive, self-motivation and determination to achieve results;
- Team player;
- Consistently demonstrates behaviors conducive to achieving both personal and team objectives, in line with the core value of Hiscox.

**Why Hiscox?**

This is a fantastic opportunity to join Hiscox during a time of focused growth where you will have the remit to make a real difference.

Hiscox offers an environment where you are encouraged to grow with the team and this is an exciting time to be joining this fast growing organization. There will be plenty of opportunity for on the job career development within a supportive environment.
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