Senior Pet Underwriter

Job Description
ABOUT US:

We are a dynamic and growing Managing General Agent (MGA) operating in the UK insurance market, specialising in travel, gadget, and pet insurance. With a strong emphasis on innovation, customer experience, and agile product delivery, we work closely with our partners to provide tailored insurance solutions.


ROLE OVERVIEW:

The Senior Pet Underwriter leads the development and execution of underwriting strategies to ensure profitability in line with contractual commitments to capacity providers. The Senior Pet Underwriter acts as a senior technical authority across the underwriting lifecycle, working in close collaboration with underwriting, pricing, and product teams to enhance performance, share insights, and embed best practices.


Location:
London / Horsham
Position Type:
Full Time, Hybrid
Hours:
Monday to Friday
09:00 – 17:00


KEY DUTIES & RESPONSIBILITIES:

• Direct periodic reviews of policy limits and recommend data-led adjustments to balance loss ratio targets with competitive positioning.
• Oversee exclusion strategies in line with claims experience and regulatory trends.
• Provide senior input on footprint segmentation; assess exposures and make recommendations to calibrate portfolio risk.
• Monitor competitive landscape and market innovations; identify opportunities to enhance underwriting effectiveness and product delivery.
• Review impact of decline rules in the context of macroeconomic shifts, proposing timely updates to remain aligned with risk appetite and pricing strength.
• Engage with key stakeholders to design bespoke underwriting solutions and clearly articulate outcomes, rationale, and implications.
• Partner with product teams to ensure technical accuracy and value alignment across policy wordings.
• Support and mentor junior underwriters, embedding knowledge-sharing, consistency, and professional development.

EXPERIENCE REQUIRED:

• Extensive experience in underwriting within pet specialty lines.
• Demonstrated ability to lead underwriting initiatives and support change.
• Strong technical capability across footprint management, exclusions, and limit-setting.
• Proficient with Microsoft tools including Excel and PowerPoint; comfortable interpreting large data sets to inform decisions.
• Expert-level understanding of underwriting best practice.
• Ability to translate data insights into strategic underwriting decisions
• Familiarity with governance, risk and capacity considerations.
  

Employee Benefits:

• Private Healthcare
• Dental Insurance
• Health cashback plan
• Life Insurance
• Employee Assistance Programme
• Pension Contributions (option to flex up to 10% employer contribution)
• Travel Insurance
• Wellness Fund
• Employee Referral Scheme
• 25 Days Annual Leave, increasing to 28 Days after 3 years’ service
• Celebration Day
• Volunteering Day
• Enhanced Family Leave & Pay
• Holiday Buy Back / Sell Scheme
  
  

ERGO is an equal opportunity employer and is committed to creating a diverse and inclusive workplace. We ensure that all employees and job applicants are treated fairly and equally, regardless of age, disability, gender reassignment, marriage or civil partnership, pregnancy or maternity, race, religion or belief, sex, sexual orientation, part-time status, or trade union activities.

We do not tolerate any form of discrimination in any aspect of employment, including recruitment, benefits, training, promotion, pay, or dismissal. If you believe you have been treated unfairly or discriminated against, please report the issue to your manager for investigation. We are committed to providing reasonable adjustments for individuals with disabilities as per the Equality Act 2010.