Full-Time
Senior Wordings Underwriter
Tokio Marine Kiln
501-1,000 employees
Underwrites specialty insurance via Lloyd's
No salary listed
London, UK
In Person
 Finance & Banking (1) |
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- In-depth knowledge of insurance contracts, policy wordings and customer communications.
- Strong understanding of London Market practice, including reinsurance wordings.
- Experience with regulatory and contractual considerations across multi-jurisdictional business, including US surplus lines and non-admitted risks.
- Confidence engaging with Lloyd’s and regulators.
- Solid understanding of underwriting and claims operations.
- Excellent drafting skills and a high standard of written English.
- Exceptional attention to detail and the ability to spot and resolve issues effectively.
- Strong commercial judgement, balancing regulatory compliance with business objectives.
- Clear, confident communication skills, with the ability to influence, challenge constructively and build consensus at all levels.
- Ability to manage competing priorities.
- Commitment to continuous professional development and market best practice.
- Review, negotiate and agree policy wordings and contractual documentation across TMK’s core business lines, ensuring clarity, precision and consistency.
- Draft and amend policy wordings, clauses, summaries of cover and supporting documentation in line with legal, regulatory, reinsurance and internal governance requirements.
- Ensure documentation does not unintentionally broaden cover or expose TMK to unintended risk.
- Work closely with underwriting teams, brokers and third parties to agree and implement new or amended wordings.
- Act as a specialist referral point and coach, providing expert advice, guidance and constructive challenge on wording-related matters.
- Proactively identify contractual, wording or market issues and deliver practical, commercially appropriate solutions.
- Maintain ownership and momentum of complex wording negotiations through to final agreement.
- Support underwriting and claims teams on technical wording issues to enable effective decision-making and claims outcomes.
- Contribute to product development, market research and analysis of emerging trends and market practices.
- Ensure compliance with Lloyd’s requirements, market best practice and TMK’s underwriting standards and controls.
- Support regulatory activities, including reviews and responses, with a focus on fair customer outcomes.
- Represent TMK at relevant market committees, forums and industry working groups where required.
- Contribute to training, knowledge sharing and the continuous development of wording capability across the business.
Tokio Marine Kiln provides specialist and corporate insurance through Lloyd's of London, underwriting complex and specialty risks for a diverse client base. Its products include Aviation, Marine, Property, Enterprise Risk (Cyber and Financial Lines), and Specialty Risks (Accident & Health, Contingency, Equine). It earns premiums by underwriting policies and relies on Lloyd's global distribution and the Tokio Marine Group for scale and reinsurance capacity. Its advantage comes from focusing on non-standard, high-complexity risks outside standard policies and delivering tailored coverage through a global Lloyd's-based network and strong backing to serve individuals to large corporations.
Company Size
501-1,000
Company Stage
N/A
Total Funding
N/A
Headquarters
London, United Kingdom
Founded
1880
Get referred to Tokio Marine Kiln
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Simplify's Take
What believers are saying
- TMK hired Georgina Rennie on June 9, 2026, strengthening political violence underwriting.
- TMK hired Ben Sitki on February 2, 2026, expanding cyber reinsurance capacity.
- Syndicate 510 posted £240 million 2025 profit and an 89% combined ratio.
What critics are saying
- TMK’s PVT and cyber books face severe loss spikes from Ukraine and Middle East shocks.
- TMK competes against Beazley, Hiscox, and AIG for the same specialist talent and brokers.
- Specialty claims inflation and accumulation risk can erase underwriting profits within one bad Lloyd’s year.
What makes Tokio Marine Kiln unique
- TMK underwrites specialty lines through Lloyd’s, Tokio Marine Highland, and Singapore.
- TMK launched Cyber Ctrl, Enterprise Ctrl, and cyber reinsurance solutions in 2026.
- TMK pairs AA- Lloyd’s strength with veteran underwriters across PVT, liability, and marine.
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↑ 4%People Moves: Miller Bermuda Taps Stubbings From McGill and Partners as chair; Tokio Marine Kiln hires Talbot AIG's Rennie as Head of Political Violence and Terrorism. June 9, 2026 This edition of International People Moves details appointments at the broker Miller Bermuda and Lloyd's insurer Tokio Marine Kiln (TMK). A summary of these new hires follows here. Miller Bermuda Taps Stubbings From McGill and Partners as Chairman Miller, the London-based independent specialist re/insurance broker, announced the appointment of Peter Stubbings as chairman of Miller Bermuda. With over four decades of reinsurance industry experience, Stubbings brings deep expertise across multiple lines of business and a wealth of client relationships across London, Bermuda, the Caribbean and the Nordics. He joins Miller from McGill and Partners, where he served as Bermuda CEO from 2023, and was previously UK&I CEO of Aon's Global Re Specialty (GRS) division. Before that, he spent 14 years at Guy Carpenter, serving first as CEO EMEA and then as CEO Bermuda. Stubbings started his new role on May 4 and will support the growth of Miller's reinsurance and retrocession proposition in the Bermuda market, as the business continues to bolster its presence on the island. Drawing on his long-standing relationships with reinsurance clients, Stubbings will also support new business generation by facilitating cross-selling opportunities between AHJ Miller, Miller's reinsurance division, and the wider Miller Bermuda business. "Peter's appointment is another significant milestone in the expansion of our Bermuda team and in the buildout of our rapidly growing reinsurance proposition," commented James Hands, group CEO at Miller. "His 40-plus years of industry experience, impressive track record of international leadership, and long-standing client relationships across multiple jurisdictions will prove hugely valuable to our growth in this critical destination for global re/insurance business. We're delighted to have Peter onboard," Hands added. ***. Tokio Marine Kiln Taps Talbot AIG's Rennie as Head of Political Violence and Terrorism Tokio Marine Kiln (TMK), the London-based international specialty insurer, announced the appointment of Georgina Rennie as head of Political Violence and Terrorism (PVT). She takes up her new role with immediate effect and will report to James Wilson, head of Special Risks. Rennie will be responsible for leading the strategic development and underwriting performance of TMK's PVT portfolio across London and Singapore. Rennie brings more than a decade of specialist PVT underwriting experience, with a strong track record of managing large, complex global portfolios and delivering profitable growth. She joins from Talbot AIG, where she served as deputy head of Terrorism and Political Violence, overseeing one of the largest portfolios in the market. In this role, she guided portfolio strategy, pricing and exposure management, and played a key role in enhancing exposure management and pricing models. Prior to this, she spent nearly five years at Chaucer Syndicates, where she helped build and expand its Latin American terrorism portfolio and supported the development of new underwriting tools and solutions. Rennie's appointment follows a period of significant growth for the Special Risks team, including recent hires James Wilson, head of Special Risks, and Iwan Jenkins, credit underwriter. Her appointment is part of TMK's broader investment in strengthening its PVT capabilities and building a market-leading capabilities. "We're delighted to welcome Georgie to TMK at an important time in the development of our Special Risks business," commented Wilson. "Against a backdrop of increasing geopolitical uncertainty and rising demand for sophisticated political violence solutions, bringing in market leaders is essential in supporting the next phase of our PVT development and enhancing our PVT offering to brokers and clients, particularly as they look to partner with insurers with a long history of providing consistency and support through periods of heightened volatility," he added. Tokio Marine Kiln is a leading specialist insurance underwriting business operating in the Lloyd's insurance market. With operations in the UK, US (Tokio Marine Highland) and Asia Pacific, TMK is part of Tokio Marine, one of the world's largest insurance groups. Was this article valuable? Interested in catastrophe? Get automatic alerts for this topic.
TMK appoints George Leahy as Underwriter in Liability division. Tuesday, February 24, 2026 London, 24 February 2026: Tokio Marine Kiln (TMK), a leading specialist insurer, has appointed George Leahy as an Underwriter in its Liability division, further bolstering its underwriting capability as it continues to scale one of the largest and most established International General Liability books in the Lloyd's market. Leahy reports to Oliver Delaney, Departmental Head of Liability. Leahy brings eight years of casualty underwriting experience, most recently from Sompo International where he specialised in International Casualty business with a focus on heavy industries, overseeing the day-to-day management of mid-sized to major clients across Canada and Australia. Prior to this, he spent five years at Ascot Underwriting, developing expertise in Construction, Energy and Mining across Canada, Australia, Europe and Latin America. Leahy's appointment follows the recent promotion of Oliver Delaney to lead TMK's Liability division, marking another step in the company's strategy to cement its role as a market leader in the class. Oliver Delaney, Departmental Head of Liability at TMK, said: "George is a strong addition to our Liability team. His extensive technical grounding in international casualty, particularly across complex, heavy-industry sectors, coupled with his proven understanding of the Lloyd's market, will support our continued expansion and strengthen our underwriting capability. His experience across multiple geographies and distribution channels will be instrumental as we pursue our growth ambitions, maintain exceptional service for brokers and clients, and build on our market leading position." Notes to Editors Media Contacts About Tokio Marine Kiln Tokio Marine Kiln is a leading specialist insurance underwriting business operating in the Lloyd's insurance market. Through its operations in the UK, US (Tokio Marine Highland) and Asia Pacific, and as part of one of the world's largest insurance groups, Tokio Marine, Tokio Marine Kiln group protect customers around the world against complex and ever-changing risks. Tokio Marine Kiln group has eight underwriting teams focused on Property & Motor; Liability; Aviation; Cyber & Enterprise Risk; Marine & Energy; Special Risks; Portfolio Solutions and Specialty Reinsurance, which are complemented by its "outstanding" Claims service. Together Tokio Marine Kiln group enable its clients to fulfil their ambitions for a better tomorrow. Tokio Marine Kiln benefits from a Standard & Poor's rating of AA- for its Lloyd's syndicates. For more information, visit www.tmkiln.com. Tokio Marine Kiln Syndicates Limited (incorporated and registered in England and Wales with registration number 00729671 and whose registered office is at 20 Fenchurch Street, London EC3M 3BY) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (with FCA register reference number 204909).
Scaling product maturity in specialty insurance. Conversation with Andreea Rogojan, Product Lead at TMK. Co-founder & CEO at Colab Published on February 15, 2026 Introduction. Real organisational change doesn't happen by flipping a switch; it happens through sustained mindset shifts and shared vocabulary. Recently, Colab partnered with Tokio Marine Kiln (TMK) to design and deliver a tailored coaching and training program. Its mission was to build a curriculum specifically mapped to TMK's unique goals: driving genuine behaviour change and moving technical teams toward a culture of product stewardship. By integrating with TMK's daily workflows, Colabcohorts focused on "small, repeatable moves" that drive massive shifts in clarity and decision speed. Colabcohorts sat down with Andreea Rogojan, Product Lead at TMK, to discuss the journey from "episodic" training to a sustained, outcomes-first mindset. The strategic challenge: the language gap. Q: Before engaging with Colab, what was the primary challenge or friction point your team was facing? Andreea: Its core friction was misalignment on language and intent. Teams used different terms for the same concepts and often framed work around timelines rather than customer or business outcomes. Colabcohorts knew this wasn't a switch Colabcohorts could just flip. It requires a sustained mindset shift. Its immediate goal was to lay the foundations - shared vocabulary and lightweight practices - that start the journey and compound over time. Why "informative" Training isn't enough. Q: You've tried playbooks and recorded trainings in the past. Why did those fall short? Andreea: Colabcohorts has tried recorded trainings, playbooks, and small process changes. They were informative but episodic. Without practice on live work and reinforcement from managers or rituals, old habits returned. Q: What led you to choose Colab for this specific transformation? Andreea: Colabcohorts chose Colab for three reasons: (1) facilitation craft, (2) modular, do-right-now exercises applied to daily work, and (3) willingness to co-design with TMK's context. Crucially, they shared its belief that behavior change takes time, so the program emphasized small and repeatable moves Colabcohorts could sustain after the cohort ended. Seeing the "leading indicators" of change. Q: What tangible improvements are you seeing in the team since the engagement? Andreea: Colabcohorts is seeing leading indicators of the mindset shift: * Teams now open conversations with the problem, evidence, and outcome before solutioning. * Hypotheses and success metrics are appearing in roadmap and sprint planning. * Shared terms (e.g., problem statement, hypothesis card, outcome metric) reduce back-and-forth. These are visible, early-stage behaviours - the start of the shift, not the finish line. They're already improving clarity and decision speed. Creating psychological safety through "mini" Templates. Q: Were there any unexpected "Aha!" moments that emerged? Andreea: A shared vocabulary lowered friction faster than expected, and "mini" templates created psychological safety to test, learn, and iterate. These lightweight artifacts (problem statement, hypothesis card) signaled that it's okay to say "we don't know yet but, here's how we'll learn." Advice for industry leaders. Q: If you were recommending Colab to another leader in the industry, what would you say? Andreea: Colab makes product thinking practical. The facilitation is excellent, the exercises are contextual and applicable, and the behaviours stick because they're small and repeatable. It's not a silver bullet because mindset change takes time but, this is the right starting point. Q: If you could summarise the value delivered in one sentence, what would it be? Andreea: Colab helped Colabcohorts lay the groundwork for an outcomes-first mindset - through shared language and small, repeatable product management exercises - with early signs of the shift already visible in its ways of working. Speak with its team to explore how Colabcohorts can help drive real behaviour change in your organisation today. Co-founder & CEO at Colab
People Moves: TMK Taps Beazley's Silvestre as Head of Cyber Reinsurance Solutions; MGA Augmented Names Overall From Atrium as Head of Underwriting. This edition of International People Moves details appointments at the specialty insurer Tokio Marine Kiln and the MGA Augmented UW. TMK Taps Beazley's Silvestre as Head of Cyber Reinsurance Solutions Tokio Marine Kiln (TMK), a Lloyd's specialist insurer, announced the appointment of Cesar Silvestre as head of Cyber Reinsurance Solutions, reporting to Laila Khudairi, head of Cyber & Enterprise Risk. He takes up his new role with immediate effect and will lead the launch of TMK's new cyber reinsurance solutions offering. Silvestre brings over 12 years of specialized insurance experience to his new role. He joins from Beazley where he served as a specialty treaty underwriter in the product solutions team, developing embedded insurance product solutions across cyber, E&O and D&O lines with particular focus on Europe, LATAM and the Middle East. Prior to this, he served in senior underwriting roles at Hiscox. The appointment follows the launch in September of TMK's enhanced flagship cyber offering, TMK Cyber Ctrl, and its market first product, TMK Enterprise Ctrl, reflecting TMK's strategy to expand its comprehensive cyber offering and meet increasing global demand for modern cyber solutions, while cementing its status as a lead market. The next-generation TMK Cyber Ctrl suite features enhanced wordings and a myriad of risk prevention services. "We're delighted to welcome Cesar to our expanding cyber team. His extensive experience in developing reinsurance solutions along with his deep understanding of international markets positions him well to lead our product expansion," commented Khudairi. "As we see growing demand for cyber coverage globally and the threat landscape becomes increasingly sophisticated, Cesar's appointment brings together leading expertise and best in class products and services to the clients that need them," Khudairi added. MGA Augmented Names Overall From Atrium as Head of Underwriting Augmented UW Ltd., the tech-powered managing general agent (MGA) that serves the smart-follow insurance market, has appointed Luke Overall as head of Underwriting. Overall joins Augmented with over 15 years of experience across both MGA and carrier environments, most recently at Atrium Underwriters where he was a property binders underwriter, according to his LinkedIn profile. He also has held senior underwriting roles at Beazley and CFC. His multi-class expertise spans property, terrorism, cyber, and liability, with a consistent focus on binder-driven portfolios and strategic underwriting partnerships. At Augmented, Luke will lead the underwriting team, working closely with brokers and carriers to build data-led portfolios that match capacity to risk. His remit includes shaping the MGA's technology-enhanced underwriting strategy and supporting the development of digital infrastructure that enables brokers to create their own smart-follow panels. "Luke brings an exceptional blend of technical underwriting expertise, multi-class experience, and deep market understanding," said Daniel Prince, CEO of Augmented. "His ability to navigate both broker and carrier dynamics makes him uniquely positioned to lead our underwriting strategy. As Augmented scales across new lines and expands its digital infrastructure, Luke's leadership will be instrumental in shaping high-performing portfolios and delivering value to our clients and partners." Overall's appointment follows the launch of Augmented in July 2025. The MGA will initially target property and terrorism, before expanding into other lines in 2026.
Tokio Marine Kiln introduces enhanced Cyber Ctrl insurance suite.