Household Underwriter

  • Quay St, Manchester M3, UK
  • Full-time
  • Salary: Competitive
  • Department: Underwriting
  • Working Hours: 35 hours per week

Company Description

Here at esure Group, we’re no strangers to change. As one of the industry leaders in the insurance business, striving to become a world class digital insurer, we’re getting ready for more. It’s creating great new opportunities for innovative and talented industry professionals to join us at a pivotal point in our development.

It’s an opportunity you simply don’t want to miss. You can expect our investment in you to include a highly competitive package, career and development opportunities and flexible benefits built around you and your lifestyle.

Job Description

Are you interested in joining an innovative team who are striving to fix insurance for good?

esure are currently looking for a Household Underwriter to provide an efficient support service for operational staff, and to support the continuing development of the home and add-on products!

Who we are:

Our Home Underwriting department drives and brings change in esure's products and processes for the development and growth of the home product(s) and add on products.

We want to ensure that we are offering a stand out home product within the general insurance market. Our Home Underwriting team play a key part in this, using both internal and external data to analyse claims data and sales metrics to resolve issues and form comprehensive proposals to the Pricing Committees.

The day to day:

Our Household Underwriters offer valuable support to esure's operational and claims colleagues with underwriting issues relating to our home products. With support from our Senior Household Underwriters, we carry out referral overrides when needed.

As a team, we are continually learning and developing. Our Household Underwriters assist in ensuring that vital information is updated and shared, such as the underwriting guide and Home Policy Booklet. We also get involved preparation of technical training material, and produce training bulletins to communicate underwriting changes to operational areas.

Our Household Underwriters contribute to the ongoing development of the Home product by finding inefficiencies in, and improving internal processes. We collaborate closely with key business areas (such as Operations, UW, Pricing) to implement ways to better the customer journey.

We assist with the home pre renewal reviews to ensure the correct premium is being collected for the risk and that appropriate terms are applied.

We support the key end-to-end process for our Flood Re programme with awareness of the scheme and end-to-end process of rating/ceding risks to Flood Re.

Our Household Underwriters perform system/rate testing, and contribute to audits of key operational areas (Underwriting, Operations) to check UW practices are being maintained.


We would love you to bring:

  • Technical home insurance experience in an insurance company or broker, with a good awareness of technical underwriting areas: Flooding; construction; subsidence; FOS processes; Flood Re
  • Previous Delegated Authority experience
  • Excellent interpersonal skills at all levels using both written and verbal methods, with strong team building and people leadership skills
  • The ability to communicate effectively with colleagues that have varying levels of underwriting and home insurance experience
  • A self-motivated teammate who can proactively work to tight timeframes and balance multiple responsibilities

Additional Information

What we will offer you in return:

  • A competitive salary that recognises your skills, experience and potential
  • 25 days annual leave plus 8 flex days (equivalent to bank holidays to be taken as and when suits you)
  • Bonus scheme
  • Flexible working – including hybrid working post covid
  • Staff discount on our products


At esure, we are committed to promoting equity, inclusion and diversity. We celebrate and nurture our diversity because it makes strong business sense and because it’s the right thing to do. We are passionate about making everyone feel welcome, included and comfortable bringing their whole self to work every day.

esure cares for our people, our customers, our society and our planet. We aim to ensure all colleagues and job applicants are given equal opportunity and our company is truly representative of all sections of society and our customers. esure is an inclusive environment which provides everyone the support they need to feel included, thrive, grow, meet their goals and have some fun.

We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation.

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