Agricultural Underwriter

Working across 21 countries, DUAL has built a reputation as a specialist underwriting group and the market of choice for insurance intermediaries around the world. That’s how we have become one of the world’s largest international underwriting agencies (or MGAs) with US$3.4bn GWP.

DUAL is part of Howden, a leading global insurance group with employee ownership at its heart. Founded in 1994, it provides insurance, reinsurance and underwriting services to clients ranging from private individuals to the largest multinational companies. The Group operates in 57 countries, employs over 24,000 people and manages premiums totalling US$50bn on behalf of its clients.

KGM is a leading provider of specialist insurance products in the UK market, known for its innovative approach and client-focused solutions. With a strong reputation in motor insurance, we are committed to delivering high-quality underwriting expertise and building strong, long-term relationships with our broker partners.

We are seeking an Agricultural Motor Underwriter to join our specialist underwriting team.

In this role, you will be responsible for underwriting new and existing Agricultural Motor business, assessing a wide range of agricultural vehicles, machinery and associated motor risks.

You will work closely with our broker partners, Business Development Team and wider underwriting function to identify opportunities, deliver excellent service and support the profitable growth of our Agricultural Motor portfolio.

The role requires a strong commercial approach, sound underwriting judgement and an understanding of the specialist nature of agricultural risks.

• →Lead and develop the Agricultural Underwriting Team, providing technical guidance, performance management, coaching and support to ensure the delivery of underwriting excellence, strong broker relationships and profitable portfolio growth.
• →Underwrite new business and renewals within agreed Agricultural Motor risk appetite and underwriting authority.
• →Assess a broad range of agricultural motor risks, including tractors, agricultural machinery, commercial vehicles and mixed agricultural fleets.
• →Consider individual risk characteristics including vehicle type, usage, farming and contracting activities, claims experience, location and overall risk quality.
• →Apply appropriate pricing, terms, conditions and underwriting controls to achieve sustainable and profitable growth.
• →Develop and maintain strong relationships with key supporting agricultural and rural brokers.
• →Conduct broker meetings where required, working closely with the Business Development Team to develop new and existing relationships.
• →Identify opportunities to grow the Agricultural Motor account while maintaining underwriting discipline and portfolio quality.
• →Support the ongoing development of Agricultural Motor underwriting appetite, guidelines, processes and procedures.
• →Work closely with Claims, Pricing, Operations and Business Development to share insight and improve underwriting performance.
• →Monitor emerging trends within agricultural motor insurance and use claims and portfolio experience to support underwriting decisions.
• →Contribute to improvements in service, processes and efficiency while maintaining a strong focus on broker experience.

• Experience within Agricultural Motor underwriting.
• Knowledge of agricultural vehicles, machinery and rural risks would be advantageous.
• Strong underwriting judgement with the ability to assess risks outside straightforward or standardised motor insurance.
• Commercially minded with an understanding of the balance between growth, retention, pricing and profitability.
• Confident in analysing claims experience and other underwriting information to support risk selection and pricing decisions.
• Strong relationship-management skills with the ability to build credibility with brokers.
• Excellent communication and negotiation skills.
• Proactive approach with the confidence to make underwriting decisions within agreed authority.
• Comfortable working independently while contributing to a collaborative underwriting team.
• Good understanding of the impact of claims trends and emerging risks on underwriting performance.