Underwriter - Personal Lines (Excess Underwriting)

About Us:
Gallagher is a global leader in insurance, risk management and consulting services. We help businesses grow, communities thrive and people prosper.We live a culture defined by
_The Gallagher Way_, our set of shared values and guiding tenets. A culture driven by our people, over 40,000 strong, serving our clients with customized solutions that will protect them and fuel their futures.

At Gallagher, you can build a career whether it’s with our brokerage division, our benefits and HR consulting division, or our corporate team.

**Responsibilities**:
How You Will Affect the Business:

- Working under limited direction and within delegated authority guidelines, underwrite new and renewal commercial business on behalf of Lloyd’s Syndicates and Domestic markets.
- Underwrite risks through an in-depth review of the underwriting data, and according to underwriting guidelines, contract authority limits and company standards.
- Write multi-line and package business of various risk size and complexity. Support ancillary personal lines products as required. Quickly and efficiently, analyze new business for risk profitability by assessing exposures and hazards.
- Profitably manage a renewal book with a focus on retaining desired business through appropriate risk selection, coverage negotiation, and pricing adequacy.
- Maintain the long‐term profitability of a portfolio of accounts, regardless of market conditions, within the bounds of internal underwriting guidelines and individual underwriting authority. Adhere to compliance guidelines, and procedures. Manage relationships with brokers and act as a dedicated resource as needed and required.
- Provide business development support.
- Expeditiously respond to brokers to maintain our corporate customer service philosophy. Participate in broker visits (virtual and in-person). Monitor and assess competitive factors in the market and keep informed of changing market conditions.- Customer Service Skills Provide exceptional service to our broker partners; act as a solution provider and as a key contact to our client base to manage relationships and discuss quotes.- Demonstrated track record of customer service orientation and proven ability to foster strong business relationships.-
- Provide quotes and answer policy coverage questions in an efficient, professional and friendly manner. Follow up with clients’ needs in a timely manner. Maintain good relationships with broker clients.

Qualifications:
Education and Experience:

- Completion of University degree / College diploma / or equivalent insurance-related education and experience.
- Professional industry designation (e.g. CIP, FCIP, or CRM) or actively pursuing same. 1-2 years of personal lines underwriting experience. MGA experience is an asset.
- Strong sales and marketing skills a must, business acumen, interest in continued education and professional development. Demonstrated analytical and risk underwriting skills that applies directly to selection, pricing, account handling and book management, including industry trends, legal, regulatory and jurisdictional issues. Experience with policy wording development.
- A passion for continuous improvement and proven ability to lead and execute change successfully. Business and client focus with a strong industry reputation.

What We Can Offer You:
Gallagher offers competitive salaries and benefits plans. We offer benefits, including; medical/dental, life & dependent life, AD & D, pension/group savings plan, employee stock purchase plan, educational expense reimbursement, employee assistance programs, discounted gym membership, opportunity for flexible work hours, paid sick days, personal days, employee education recognition program, employee referral bonus program and more.

We love to have fun and cultivate an enjoyable working environment. We have an active social club along with a service recognition program which ensures we share and celebrate the successes of our employees along with rewarding our employees for their achievements. We offer a diverse learning environment that challenges you to build on your strengths and to create new ones. We provide career pathing and advancement opportunities for our hard-working and dedicated employees.

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