About Islands Insurance Group:
At Islands Insurance Group, we’re committed to delivering excellence in underwriting and providing tailored insurance solutions that meet the needs of our clients. As one of the leading insurance providers in the Channel Islands, we combine local expertise with trusted capacity partnerships to deliver high-quality products and service. We’re looking for talented professionals to join our team and help us strengthen our underwriting capability while supporting sustainable growth and long-term performance.
About the role: Technical Underwriting Lead
As a Technical Underwriting Lead at Islands Insurance Group, you’ll be responsible for leading the organisation’s technical underwriting function across personal and commercial lines. You will hold the highest level of underwriting authority, ensuring all decisions align with delegated authority agreements and contribute to profitable growth. Working closely with NFU Mutual and other capacity providers, you’ll help shape the underwriting strategy, philosophy, and pricing framework to drive the business forward.
What you’ll be doing:
- Underwriting complex commercial and personal lines risks and acting as an escalation point for technical decisions
- Developing and maintaining underwriting, product, and pricing guides and frameworks
- Managing the delegation of underwriting authority and ensuring compliance across teams
- Liaising with capacity providers through regular forums to strengthen collaboration and stay informed on market trends
- Leading internal and external audits within underwriting teams
- Reviewing policy wordings to ensure accuracy, compliance, and alignment with legislation
- Providing technical referrals, guidance, and on-the-job training to underwriting colleagues
- Preparing reports and input for board packs and performance reviews
- Supporting portfolio management and providing expert advice to the underwriting team
- Collaborating with risk control surveyors to ensure technical standards and risk management best practices
What you’ll need:
- Minimum of 5 GCSEs (or equivalent), including Maths and English at Grade C or above
- Significant experience in underwriting across personal and commercial lines
- Strong technical knowledge of underwriting practices, pricing, and product governance
- Proven ability to develop and manage underwriting philosophies and risk selection frameworks
- Experience working within delegated authority and compliance frameworks
- Excellent communication and analytical skills
Nice to have:
In addition to the required qualifications, it would be great if you have:
- Professional qualifications or substantial progress towards them (e.g. ACII)
- Experience developing insurance products and underwriting rules for direct or intermediated trading
- Familiarity with portfolio performance management and pricing analysis
- Previous experience mentoring or leading underwriting professionals
- Strong stakeholder management and capacity provider relationship skills
Why work with us:
At Islands Insurance Group, we value our employees and strive to create a positive and supportive work environment. We offer:
- The opportunity to shape the technical underwriting function across personal and commercial lines
- Collaboration with leading capacity providers and exposure to strategic decision-making
- Professional development support, including progression toward ACII and leadership opportunities