Insurance Underwriter

We are looking for a knowledgeable and detail-oriented General Insurance Underwriter to assess risks and determine appropriate insurance coverage, terms, and premiums. The ideal candidate will have a good understanding of general insurance products ( property, health, liability, Employee Benefits etc.) and underwriting principles.

Key Responsibilities

• Evaluate and assess risks for general insurance proposals .
• Analyse application forms, supporting documents, previous claims history, and creditworthiness of clients.
• Determine coverage terms, premium amounts, policy conditions, and exclusions.
• Communicate with agents, brokers, or direct clients to obtain additional information if required.
• Ensure adherence to underwriting guidelines, company policies, and regulatory compliance.
• Collaborate with other departments such as claims and sales to provide appropriate insurance solutions.
• Maintain up-to-date knowledge of insurance products, market trends, and competitor offerings.
• Monitor portfolio performance, analyse risk exposure, and recommend pricing or product adjustments.
• Assist in developing and improving underwriting processes and systems.
• Handle renewal underwriting and portfolio analysis.
• Bachelor’s degree in Insurance, Business, Finance, or a related field.
• 1-2 years of experience in general insurance underwriting.
• Sound knowledge of underwriting principles, general insurance products, and risk assessment.
• Strong analytical and decision-making skills.
• Excellent verbal and written communication skills.
• Attention to detail and high level of accuracy.
• Proficiency in MS Office and insurance-related software platforms.

Job Types: Full-time, Permanent

Benefits:

• Health insurance
• Life insurance

Work Location: In person