Medical Underwriter jobs

Established nearly two centuries ago, FM is a leading mutual insurance company whose capital, scientific research capability and engineering expertise are solely dedicated to property risk management and the resilience of its policyholder-owners. These owners, who share the belief that the majority of property loss is preventable, represent many of the world’s largest organisations, including one of every four Fortune 500 companies. They work with FM to better understand the hazards that can impact their business continuity to make cost-effective risk management decisions, combining property loss prevention with insurance protection.

FM Renewable Energy is seeking an underwriter to join our Renewable Energy Construction team, supporting a global portfolio of renewable energy clients and construction projects. This role will support our clients and broader client service teams in structuring programs, placing reinsurance, and will lead the underwriting assessment process through application of their authority and documentation of conclusions in FM systems and applications. Close collaboration will be required with the Account Manager, Renewable Engineer, broker partners, and clients alike.

Responsibilities:

• Support account teams with underwriting activities and strategic account objectives, including exposure analysis, pricing, terms and conditions, program structure, reinsurance coordination, certificate and quotation preparation, and proposal support.
• Participate in insurance program and policy development, working with internal operations teams to review documentation and maintain strong quality control over final materials delivered to clients and brokers.
• Develop and maintain strong knowledge of FM’s underwriting guidelines, policy terms and conditions, pricing approach, and profitability analysis to support sound program design and sustainable portfolio performance.
• Support account servicing activities, including preparation for internal and client-facing meetings, presentations, and proposals, while continuing to develop effective communication and presentation skills.
• Leverage external and internal relationships to understand clients' exposures, operating strategies and business goals, and ensures mutually agreed project plans meet the long-term loss prevention, underwriting, and risk transfer goals of both the client and FM.
• Stay abreast of renewable energy and insurance market trends, and broader portfolio performance. Including competitor offerings, strengths and weaknesses, profitability, emerging trends, etc.
• Learn and effectively use FM’s underwriting systems, applications, procedures, and delegated authority framework.
• Ensure underwriting documentation (policies, binders, endorsements) is accurate, complete, and properly issued, with underwriting decisions and rationale clearly documented in internal systems.

• Bachelor’s degree or equivalent; CIP designation desirable.
• A minimum of 2+ years’ experience in underwriting.
• Demonstrated ability to make sound underwriting decisions, apply underwriting guidelines, and learn new systems and tools in a structured underwriting environment.
• Strong analytical, problem solving, computer skills and attention to detail is required.
• Working knowledge of account management, business communication, exposure analysis, negotiation, presentation skills, relationship management, and insurance program structure.
• Strong interpersonal, planning, and organizational skills, with experience applying policy terms and conditions, pricing considerations, profitability analysis, and underwriting guidelines.
• Experience with policy review, insurance program structure, global placements, complex property accounts, and multi-carrier placements is preferred.
• Curious and driven to learn about new technologies, market practices, and trends.
• Associateship of the Chartered Insurance Institute (ACII) or Chartered Property Casualty Underwriter (CPCU) designation would be an advantage.

Varying levels of experience and qualifications will be considered.

FM is an Equal Opportunity Employer and is committed to attracting, developing, and retaining a diverse workforce.