International and USA Healthcare / Medical Malpractice Underwriter

The Opportunity:

At Carbon, we’re delegating differently by combining our strong insurance expertise with cutting edge technology. As we rapidly scale globally, and continue to advance Graphene, our proprietary owned data ecosystem, we remain guided by our core pillars of People, Partnerships and Innovation. If you want to join an exciting business powered by the latest technology, and are energised by collaboration, big ideas and making a meaningful impact to our partners, then this role is for you:  International and USA Healthcare/Medical Malpractice Underwriter

About Us:

Founded in 2018, Carbon’s mission is to transform delegated underwriting and raise the standard for the industry. Our open underwriting model connects data, insight and people to enable stronger decisions and more dynamic portfolio management, bringing greater transparency, clarity and confidence to our partners and to the way the whole market works.

We’re proud to have been recognised by The Sunday Times as a Best Place to Work in both 2024 and 2025, reflecting our warm, inclusive culture and our energetic, entrepreneurial spirit. Our friendly, modern offices foster creativity and connection, while our partnership with Google Cloud, where we are celebrated as a success story, demonstrates our commitment to innovation and technology at the highest level.

At Carbon, our values shape who we are every day: Win as one, Keep spirits high, Blaze a trail, Speak up, listen up. If you’re looking to join a modern team with bold ambitions and real momentum, we’d love to meet you.

Location:  5th Floor, 9A Devonshire Square. London. EC2M 4YN
Start date:  Immediate
Role type: Permanent, full-time, hybrid

The Role:

• We underwrite Delegated business as well as Lineslips and Master Policies for both International (predominantly UK, Australia, Canada & Europe) and US business across Corporate Risks, Medical Practitioners and Allied Health sectors.

• You will take responsibility for the production and on-going oversight of new and renewal business for a range of clients across the Healthcare portfolio, including preparing and presenting business cases as appropriate.

• Liaise with the claims team in monitoring loss costs and claims patterns on both a portfolio and individual claim basis.

• Work closely with our technology team in developing and utilising analytical oversight tools via our proprietary tech platform, Graphene, to enhance our underwriting approach.

• Take responsibility for on-going binder performance to ensure long term profitability across the healthcare portfolio, including identifying and implementing coverage/guideline improvements as appropriate to suit market conditions.

• Review and produce policy wordings, coverage forms and endorsements as appropriate.

• Work closely with the actuarial department, including binder pricing discussions.

• Handle referrals and special acceptances from Coverholders as appropriate.

• Monitor and assess the marketplace, including competitor pricing and product offerings.

• Work with senior management to identify new client prospects, and build business cases for prospective clients.

• Supporting senior management and contribute to the syndicate business planning and forecasting processes.

• Maintain key stakeholder relationships, including Coverholders, brokers, consortium partners and (re)insurance partners, ensuring regular dialogue, client meetings/office visits and presentations to external stakeholders as appropriate.

• Undertake research and prepare papers on insurance related projects.

• Work closely with all clients to ensure deadlines are met and correspondence is responded to promptly.
  
  Required Experience

• Extensive broker relationship network

• Proven experience of generating new business leads

• Strong technical understanding of wordings/coverage forms for relevant territories and Medical Specialism knowledge

• Ability to offer creative solutions

• Commitment to needs of the clients and strong relationship management skills

• Demonstrable sales, negotiation and analytical skills

• Good presentation skills

• Excellent time management capabilities

• ACII preferable but not required