Accident & Health Underwriter

Carbon Underwriting Limited; Greater London; Hybrid; GBP 60,000 - GBP 80,000; Full time

Job summary

A modern underwriting firm is seeking an Accident & Health Underwriter to lead business onboarding and develop its A&H Account. You will engage with various departments and clients while fostering strong relationships. The ideal candidate has at least 5 years of underwriting experience in A&H and excellent communication skills. This permanent, full-time position offers a hybrid working model and immediate start. Join a company recognized as a great place to work and contribute to innovative solutions in the industry.

Qualifications

• Minimum of 5+ years’ underwriting experience in A&H.
• Understanding of the A&H market.
• Excellent verbal and written skills.

Responsibilities

• Underwrite, analyze, and develop A&H Account.
• Lead new business onboarding and renewal processes.
• Identify new business opportunities.

Skills

Proven underwriting ability

Excellent communication skills

Creative solutions

Relationship management

Education

ACII qualified or working towards

Job description

Accident & Health Underwriter

The Opportunity

At Carbon, we’re delegating differently by combining our strong insurance expertise with cutting edge technology. As we rapidly scale globally, and continue to advance Graphene, our proprietary owned data ecosystem, we remain guided by our core pillars of People, Partnerships and Innovation. If you want to join an exciting business powered by the latest technology, and are energised by collaboration, big ideas and making a meaningful impact to our partners, then this role is for you: A&H Underwriter.

About Us

Founded in 2018, Carbon’s mission is to transform delegated underwriting and raise the standard for the industry. Our open underwriting model connects data, insight and people to enable stronger decisions and more dynamic portfolio management, bringing greater transparency, clarity and confidence to our partners and to the way the whole market works.

We’re proud to have been recognised by The Sunday Times as a Best Place to Work in both 2024 and 2025, reflecting our warm, inclusive culture and our energetic, entrepreneurial spirit. Our friendly, modern offices foster creativity and connection, while our partnership with Google Cloud, where we are celebrated as a success story, demonstrates our commitment to innovation and technology at the highest level.

At Carbon, our values shape who we are every day: Win as one, Keep spirits high, Blaze a trail, Speak up, listen up. If you’re looking to join a modern team with bold ambitions and real momentum, we’d love to meet you.

Location: 5th Floor, 9A Devonshire Square. London. EC2M 4YN

Start date: Immediate

Role type: Permanent, full-time, hybrid

The Role: To underwrite, analyse and continue to develop the A&H Account in line with the Annual Business Plan targets, reporting to Carbon’s Head of Specialty.

Key Responsibilities

• Leading new business onboarding and renewal processes for relevant A&H binding authority accounts, including preparation of binding authority business plans.
• Liaising with relevant syndicate and managing agency departments including actuarial, claims, compliance, exposure management and delegated authority teams.
• Ongoing binder portfolio oversight for relevant A&H binding authority accounts including spotting trends, monitoring performance against plan and implementing guideline updates as required.
• Identifying new business opportunities, both via new sources and within existing portfolios.
• Working closely on cross class initiatives with other syndicate underwriting teams.
• Assisting in marketplace monitoring, including developing A&H relationships with brokers and other key external stakeholders.
• Working closely with, and maintaining strong relationships with coverholders & brokers
• Ownership of day-to-day referral underwriting for relevant A&H binding authority accounts within individual underwriting authority parameters.
• Assisting in execution of business development and marketing plans for the A&H team.
• Attending and leading relevant client meetings and executing relevant follow up research and actions as required.
• Attending and materially contributing to internal peer review and coverholder oversight meetings.
• Working with other syndicate departments to identify and implement areas for continuous improvement, including input to the Graphene underwriting platform, and new systems and controls to ensure that the underwriting department operates in a compliant and efficient manner.
• Assisting with wider A&H team requirements including but not limited to business planning, underwriting review packs, exposure management, outwards RI and information collation for external stakeholders.
• Undertaking research and prepare papers / presentations on insurance related projects.

Knowledge, qualifications, skills and experience

• Proven underwriting ability/competence with a minimum of 5+ years’ underwriting experience within the A&H (delegated authority) space.
• Understanding of the A&H market.
• ACII qualified or working towards completion of this qualification is not essential but preferred.
• Understanding of fundamental concepts, practices and procedures of A&H underwriting and binding authority management.
• Excellent listening, verbal and written communication skills.
• Ability to offer creative solutions.
• Professional attitude when dealing with all aspects of work and client relationships.
• Commitment to needs of the clients and strong relationship management skills.