AVP – Ancillary Programs

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 is a remote role.

The Accident & Health Division (A&H), established in 2000, 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. Gross premium written in 2025 surpassed $2.4B.

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 MBU takes a full-spectrum approach to designing and servicing a robust slate of products tailored to needs in Employer Stop Loss & Excess Medical; and Ancillary, Life & Supplemental benefits. Our diversified business model includes program partnerships as well as direct sales in Employer Stop Loss. At year-end 2025, the MBU recorded over $1B in gross premium written.

Follow us on LinkedIn, Instagram, YouTube, and X.

Information about the Role, Line of Business and Team:

This position is responsible for the origination, program management, product development and underwriting of ancillary insurance and reinsurance products within the Medical Business Unit (MBU).

Other responsibilities include portfolio management, financial planning, strategic development, coordinating accounts and projects with actuaries, operations and shared services, and negotiating contractual terms and conditions.

The Assistant Vice President actively contributes as a technical expert in both underwriting activities and department-specific industry knowledge.  Collaboration with colleagues is critical to achieve divisional goals.

What you will do:

• Implement strategy to drive profitability, retention, and written premium goals of the MBU
• Evaluate portfolio performance based on profitability metrics and oversee execution of continuously improving portfolio in alignment with division and segment objectives
• Build and maintain strong relationships with distribution partners (brokers, MGUs and similar)
• Underwrite risk using underwriting tools and conduct annual reviews subject to underwriting letter of authority while maintaining proper client correspondence and agreement documentation
• Advise on and maintain underwriting rules, risk management principles and regulations to ensure compliance with all currently applicable corporate requirements and state and federal legislation
• Establish and manage data flows from client companies to ensure monitoring of results versus established targets and plans
• Develop annual business goals for assigned client partners
• Identify new business opportunities with existing partners and coordinate with the Business Development team
• Establish an in-depth knowledge of department products and services and clearly articulate the department’s value proposition
• Evaluate new business and renewal submissions as well as schedule and perform underwriting reviews of client companies to provide technical and strategic feedback
• Manage and complete onboarding processes of distribution partners and related service providers; support due diligence assessments and periodic audits as required
• Maintain awareness of market trends, products, market participants and competitive practices and identify emerging threats to the department
• Advise on product development with respect to distribution considerations, underwriting considerations, and compliance considerations
• Coordinate reinsurance support for programs, including negotiation of renewal terms and conditions and execution of renewal reinsurance agreements
• Participate in the development of strategic annual planning as well as training, initiatives and projects
• Manage multi-functional teams and projects to help achieve departmental goals

What YOU will bring to C&F:

• Advanced knowledge of and ability to underwrite ancillary benefits
• Strong knowledge of underwriting philosophy, techniques, state and federal filing regulations and guidelines
• Diverse and deep insurance and reinsurance experience across multiple products and operational functions
• Strong verbal and written communication skills
• Strong interpersonal skills necessary to interact successfully with internal and external clients
• Strong problem solving skills
• Excellent organizational and time management skills with ability to multi-task with an emphasis on quality and customer service
• Exceptional attention to detail
• Flexible and open to an ever changing, fast-paced environment
• Demonstrates initiative to learn new skills and products and take on additional tasks or responsibility
• Strong presentation skills and a solutions and service orientation
• Strong risk management and math skills
• Strong negotiation and influencing skills

Requirements:

• Bachelor's degree from an Accredited institution or equivalent experience
• Underwriting and industry designations applicable to area of specialization a plus
• 10+ years of experience, 8+ years of ancillary experience and 2+ years’ experience with reinsurance structures, underwriting and contracts preferred
• Strong computer skills and Microsoft Office skills including Outlook, Word, Excel and PowerPoint
• Travel required

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 $110,600 to a maximum of $208,000. 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.

#LI-JA1

#LI-Remote