Senior Schemes Underwriter

Senior Schemes Underwriter – £39,385 (DOE). Hybrid working across the UK with 36.25 hours per week.

Key Responsibilities

• Underwrite referrals from commercial scheme brokers in line with Covéa’s strategy, appetite and authority limits, acting as a referral point for scheme team members.
• Maintain an in‑depth understanding of a panel of scheme brokers and their homogenous products, taking a strategic/portfolio view to support delivery of underwriting targets.
• Build and maintain strong, mutually beneficial relationships with broker partners and internal stakeholders, conducting regular broker review meetings and supporting scheme broker audits.
• Identify, document and report underwriting and pricing trends to the Schemes Team and Technical Manager, producing and analysing MI for the broker panel.
• Contribute to key projects such as large loss reviews, breach reports, flood scrutiny, and updating scheme documentation including underwriting guides, wordings and associated materials.
• Maintain high service levels for internal and external customers, ensuring accurate audit trails within Covéa systems, and reporting to the Schemes Team and Technical Manager.

Qualifications and Competencies

• Strong underwriting capability across property, liability, and trades/professions, with solid knowledge of UK commercial markets, general insurance practices, and industry/legal developments.
• Effective communicator with excellent verbal/written skills, strong telephone manner, and the ability to build trading relationships and deliver professional customer service.
• Team‑oriented and independent, able to work well both individually and collaboratively in a fast‑paced environment to meet targets.
• Highly organised and detail‑focused, with strong time‑management, prioritisation, and workflow‑management skills, plus a proactive approach to problem‑solving.
• Motivated, ambitious, and resilient, with a positive attitude and willingness to learn, develop, and grow.
• Qualifications: 4+ GCSEs (incl. Maths & English), 3+ A‑levels at grade C+ (or equivalent), ideally Dip CII.

Eligibility

• Applicants must currently reside in the UK and have the unrestricted right to work in the UK. Visa sponsorship is not available for this role.

Benefits

• Flexibility with 36.25 hours per week, flexitime, and hybrid options as standard.
• Annual pay review plus performance‑related bonus.
• 25–27 days of holiday plus bank holidays, with the option to buy or sell annual leave.
• Generous pension with 7.5% employer contribution as standard, matched up to 12% with your input.
• Access to training, professional qualifications and apprenticeships to support development at every stage of the career.
• Well‑being benefits including private medical cover, 24/7 Virtual GP, health checks, and ongoing wellbeing initiatives.
• Additional perks such as electric car scheme, gym discounts, Cycle to Work and retail savings via Perkpal.

As a Disability Confident Employer, we’re committed to fair and accessible recruitment.

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