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SME Underwriter

London (Greater) (GB)

Company Summary

Taking care of our customers, our communities and each other. That's the Travelers Promise. By honoring this commitment, we have maintained our reputation as one of the best property casualty insurers in the industry for over 160 years. Join us to discover a culture that is rooted in innovation and thrives on collaboration. Imagine loving what you do and where you do it.

Target Openings


Job Description Summary

Travelers is partnering with Brokers to help small businesses protect their assets and grow. We have ambitious growth targets and we need you to help us achieve these.

We are looking for an Underwriter to join our SME/ Small Business team to underwrite new business as well as selling and marketing all SME/ Small Business products.

You will have some prior experience within the insurance industry, ideally within Property Owners, Property & Casualty or Technology, but we're also interested in seeing applications from other lines such as eTrade, Motor or Personal Lines experience too. You'll be used to operating in a high-volume environment and may act as a technical referral resource for less experienced Small Business team members on more complex accounts, renewals, endorsements and issues.

Travelers offers a hybrid work location model which is designed to support flexibility.

Primary Job Duties & Responsibilities

  • Follow Best Practices, including Underwriting processes and Workflow management.
  • Ensure underwriting quality and profitability through application of the appropriate level of underwriting analysis to accept, decline, modify, rate and quote these accounts.
  • Responsible for ensuring compliance with underwriting strategies and regulatory requirements. Works collaboratively within SME Business Unit providing support when required.
  • Take corrective action and/or collaborate with the Senior/Small Business Underwriter based on identified risk characteristics.
  • Prequalify accounts to identify customer needs and take appropriate action.
  • Function as point of sale for proposal delivery and negotiation.
  • Positively communicating to brokers on the phone, email or other communication channels whilst administrating business.
  • Use commercial awareness to negotiate premium and terms on small business products to deliver sustainable profit.
  • Utilise various technologies to quote/bind.
  • Operates efficiently in line with the defined operational service level agreements.
  • Where appropriate identify opportunities to write additional lines of business using knowledge of products, risk characteristics and appetite.
  • Maintain and enhance understanding of Travelers products, services and solutions and initiate discussions with other business areas as appropriate.

Minimum Qualifications

  • Previous experience of underwriting in Property and Casualty classes of business.

Education, Work Experience, & Knowledge

  • Working knowledge of the local insurance marketplace.
  • Product/Technical proficiency commensurate to incumbent's underwriting authority.
  • Demonstrates basic ability in the areas of customer focus and positive broker interaction.
  • Use/knowledge of eTrade platforms such as Acturis/Open GI/SSP.
  • Demonstrates an ability and desire to learn about the enterprise and business unit critical business issues and financial drivers.
  • General knowledge of organisational and regulatory rules, policies and procedures and effectively employs that knowledge in day-to-day work activities.

Job Specific Technical Skills & Competencies

  • Basic Product/Technical proficiency commensurate to incumbent's underwriting authority.
  • Demonstrates basic ability in the areas of customer focus and positive broker interaction.
  • Basic ability to effectively coach others and provide feedback that is clear, concise and professional.

    Employment Practices

    Travelers is an equal opportunity employer. We value the unique abilities and talents each individual brings to our organization and recognize that we benefit in numerous ways from our differences. 

    If you are a candidate and have specific questions regarding the physical requirements of this role, please send us an email so we may assist you.

    Travelers reserves the right to fill this position at a level above or below the level included in this posting.

    To learn more about our comprehensive benefit programs please visit

    About Travelers

    The Travelers Companies, Inc. (NYSE: TRV) is a leading property casualty insurer selling primarily through independent agents and brokers. The company's diverse business lines offer its global customers a wide range of coverage in the auto, home and business settings. A component of the Dow Jones Industrial Average, Travelers has more than 30,000 employees and generated revenues of approximately $25 billion in 2010.