Senior Underwriter - A&H Occupational Risk

Crum & Forster Company Overview

Crum & Forster (C&F) provides market leading property & casualty, accident & health, specialty and standard commercial lines insurance solutions. A true underwriting company, we have a 200-year history of helping our customers manage risk with laser-focused expertise, integrity and discipline. Our people are empowered to make decisions and problem-solve with you smartly and swiftly. Our annual gross written premium is 6.2 billion. C&F enjoys a financial strength rating of "A+" (Superior) by AM Best.

Our most valuable asset is our people. We have 3000 employees, and locations throughout the United States and India. With our employee-first focus, the Company is consistently recognized as a great place to work, earning multiple workplace and wellness awards, including the Great Place to Work® Award, Fortune 100 Best Companies to Work For, Fortune Best Workplaces for Parents, Fortune Best Workplaces for Millennials, and many others.

C&F is part of Fairfax Financial Holdings. For more information about C&F, please visit our website: www.cfins.com

Job Description

This position can be fully remote, but ideally would be hybrid in our Glastonbury CT office.

Since 2000, Crum & Forster’s Accident & Health division (A&H) has offered a diverse portfolio of specialty insurance and reinsurance products nationwide. We place a strong focus on product development and creative distribution methods, along with excellent client service and support.

In addition to our robust domestic portfolio, which spans both special risk and medical solutions, A&H works on an international basis through various partnerships. Our global capabilities provide our partners with even broader flexibility in underwriting solutions.

The qualities and capabilities of Crum & Forster Accident & Health demonstrate our philosophy of building meaningful, long-term partnerships and our dedication to providing alternative strategies in an ever-changing insurance market.

The A&H Specialty Business Unit (SBU) takes a forward-thinking, flexible approach to solutions that span a robust slate of products tailored to needs in Special Risk, International Travel Medical, retail and wholesale Travel, Occupational & Alternative Risk, and Pet insurance. At year-end 2025 the SBU recorded $1.4B in gross premium written.

Information about the Role, Line of Business and Team:

The Occupational Risk Profit Center is part of the Specialty Business Unit within A&H and writes the following lines of business for Independent Contractors and the companies utilizing their services: Occupational Accident, Contingent Liability, Non-Trucking Liability, and Physical Damage for Independent Contractors with ancillary Workers’ Compensation for employees.

This Senior Underwriter will play a critical role in shaping the profitability and growth of the Auto Physical Damage and Liability business.  With a high degree of autonomy, you will drive sales and underwrite our portfolio of products including Non-Trucking Liability, Physical Damage, Occupational Accident, Contingent Liability, and Workers’ Compensation.  

What you will do:

• Focused underwriting on Auto Physical Damage and Liability accounts within the Transportation sector
• Accelerate growth and meet profitability, retention, and premium goals determined by the department
• Build and manage agency relationships, both retail and wholesale
• Make independent underwriting decisions in accordance with letter of authority across multiple products
• Strong underwriting evaluation of incumbent business with a focus on new business production
• Quoting and servicing accounts in an accurate and timely manner
• Manage submission documents to ensure adequate information is provided for evaluation
• Perform account setup within C&F systems
• Maintain complete and accurate file documentation that supports decisions, compliance and audit requirements
• Develop an in-depth knowledge of department products and services
• Clearly articulate the department’s value proposition and represent our business when meeting with clients
• Perform Underwriting Audits
• Maintain awareness of market trends and identify emerging threats and opportunities for the department
• Collaborate with colleagues to achieve departmental goals
• Abide by departmental policies and procedures, including authority levels, to comply with C&F's risk management controls
• Share expertise and guidance with underwriting team members, as applicable
• Other duties as assigned by Occupational Risk leadership

What YOU will bring to C&F:

• Strong presentation skills and ability to lead sales meetings
• Strong interpersonal and communication (verbal and written) skills
• Strong risk management, problem solving and analytical skills
• A customer centric mentality
• Critical thinking and decision-making skills
• Ability to work both independently and in a team environment
• High degree of organization to prioritize work and follow up on issues
• Exceptional attention to detail and ability to travel up to 20% of the time.

Requirements:

• Bachelor's degree in Insurance, Business, Economics, Actuarial, Accounting or Marketing from an accredited college or university or equivalent experience required
• 6+ years of experience required. 3+ years as a production underwriter equivalent work experience preferred
• Technical underwriting knowledge of commercial auto, Physical Damage, Non-Trucking Liability, underwriting, insurance rating, forms and coverages. Experience underwriting Occupational Accident and Workers Compensation is a plus.
• Ability to make timely decisions with appropriate information and consultation
• Proven track record of building strong business relationships with agents and insureds
• Strong Microsoft Office skills – Outlook, Excel, Word and PowerPoint
• Regular travel is required - estimated 20-25% of the time (one monthly air travel trip)

What C&F will bring to you

We value inclusivity and diversity. We are committed to equal employment opportunity and welcome everyone regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity, or Veteran status. If you require special accommodation, please let us know.

For California Residents Only:  Information collected and processed as part of your career profile and any job applications you choose to submit are subject to our privacy notices and policies, visit https://www.cfins.com/onlineprivacypolicy/ca/noticeatcollection/ for more information.

Crum & Forster is committed to ensuring a workplace free from discriminatory pay disparities and complying with applicable pay equity laws.  Salary ranges are available for all positions at this location, taking into account roles with a comparable level of responsibility and impact in the relevant labor market and these salary ranges are regularly reviewed and adjusted in accordance with prevailing market conditions. The annualized base pay for the advertised position, located in the specified area, ranges from a minimum of $64,700 to a maximum of $121,600. The actual compensation is determined by various factors, including but not limited to the market pay for the jobs at each level, the responsibilities and skills required for each job, and the employee’s contribution (performance) in that role. To be considered within market range, a salary is at or above the minimum of the range. You may also have the opportunity to participate in discretionary equity (stock) based compensation and/or performance-based variable pay programs.

• Flexible work arrangements.
• Competitive compensation package.  
• Generous 401K employer match.
• Employee Stock Purchase plan with employer matching.
• Generous Paid Time Off.
• Excellent benefits that go beyond health, dental & vision. Our Wellness programs focus on your family’s complete wellness, including your physical and mental wellbeing
• A core C&F principle is that you manage your career. To support your development, we have a wealth of ways for you to keep learning, including tuition reimbursement, industry related certifications and professional training available to you.
• A dynamic, ambitious, fun and exciting work environment.
• A spirit of social responsibility, matching donation program, volunteer opportunities, and an employee driven corporate giving.

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