About The Business
Ivernia Insurance is a specialist personal lines Managing General Agent operating across Motor, Home, and Commercial Motor. The business partners closely with insurer capacity providers and operates under delegated authority with a strong focus on underwriting discipline, pricing integrity and controlled growth.
The Home portfolio is a core strategic pillar of the business with ambitions to scale sustainably while maintaining underwriting quality and insurer confidence.
The Opportunity
This is a Senior Underwriting Role with responsibility for the Home Insurance Book to drive underwriting strategy, risk appetite, and technical decision making for Home, ensuring the portfolio performs in line with agreed objectives and delegated authority requirements.
The role offers genuine influence and the opportunity to shape the development of a growing Home portfolio within a disciplined MGA framework.
Role Purpose
The Senior Home Underwriter role is accountable for the technical underwriting performance and risk integrity of the Home portfolio.
The role ensures that underwriting appetite, rules and decision making are clear, consistently applied and aligned with insurer expectations while supporting controlled and profitable growth.
This role drives underwriting decisions and operates in close partnership with Pricing, Claims and Commercial Operations.
Key Responsibilities
Underwriting Strategy and Appetite
Define and maintain the Home underwriting strategy and risk appetite
Set acceptance criteria, referral rules and underwriting guidelines
Ensure underwriting parameters remain aligned with insurer capacity and delegated authority
Periodically review appetite in line with performance, market conditions and insurer feedback
Underwriting Decision Making and Oversight
Own underwriting decision making for Home including complex and referred risks
Provide technical leadership and guidance on underwriting judgement
Ensure consistency and quality of underwriting decisions
Monitor and address underwriting exceptions, overrides and trends
Portfolio Performance and Risk Management
Monitor underwriting performance, mix and exposure within the Home portfolio
Work closely with Pricing and Analytics on performance insights and trading outcomes
Review claims trends and feedback to inform underwriting rules and appetiteEnsure emerging risks are identified and escalated early
Insurer and Capacity Management
Act as the primary underwriting contact for insurer partners on Home business
Support insurer governance, audits and delegated authority reviews
Ensure compliance with insurer reporting and underwriting standards
Build strong credible relationships with capacity providers
Governance and Control
Maintain underwriting audit readiness and documentation
Participate in underwriting and pricing governance forums as required
Ensure compliance with internal policies and delegated authority limits
Work closely with Risk and Compliance on conduct, complaints insight and regulatory matters
Cross-functional Collaboration
Work closely with key stakeholders across the business to support effective execution of agreed initiatives and strategic priorities
Partner with Claims Management to incorporate claims insight into underwriting decisions
Support Pricing with underwriting input into pricing reviews and trading discussions
Engage with Finance on underwriting performance and portfolio insight
Experience / Professional Qualification required
Essential
Significant underwriting experience within Home Insurance (5+ years)
CIP Qualification is a pre-requisite for this role
Senior underwriting or technical leadership experience within an insurer or MGA
Strong understanding of delegated authority arrangements
Proven ability to exercise underwriting judgement on complex risks
Ability to operate credibly with insurers, brokers and senior stakeholders
Advantageous
Familiarity with broker-led distribution models
Exposure to product development or Home portfolio scaling
Experience in a growing or evolving MGA environment
Skills and Attributes
Strong technical underwriting judgement
Confident decision maker with a disciplined risk mindset
Commercially aware while maintaining underwriting integrity
Clear communicator with internal and external stakeholders
Comfortable operating with senior accountability in a lean structure
Why join
Opportunity to help shape the future development of the Home portfolio
High degree of autonomy within a well-defined governance structure
Skills
Insurance Underwriting
Benefits
Pension
Fund Health
Mobile Phone
Hybrid
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