GA Insurance Ltd was incorporated in 1979 after the exit of General Accident Insurance. The company has over 50 years’ experience in general insurance underwriting inherited from its parent firm, General Accident Insurance (UK). It continues to underwrite various classes of risks in the general insurance segment, which includes medical and travel insurance...

Job Purpose

The Senior Underwriter ensures the company maintains a balanced, profitable, and compliant general insurance portfolio while providing technical leadership and mentoring to the underwriting team.

Key Responsibilities

• Review, evaluate, and approve complex and high-value general insurance proposals (e.g., engineering, fire, liability, marine, motor, and property).
• Analyze risk exposures and determine appropriate coverage terms, premiums, and policy conditions.
• Make informed underwriting decisions within delegated authority limits and recommend referrals to management for exceptional cases.
• Ensure underwriting decisions align with company profitability targets and reinsurance arrangements
• Monitor the performance of the general insurance portfolio to maintain healthy loss ratios and business growth
• Supervise and mentor junior underwriters and underwriting assistants, ensuring technical competence and consistent application of underwriting standards
• Build and maintain strong working relationships with brokers, agents, and corporate clients.
• Ensure full compliance with underwriting policies, IRA regulations, and internal controls.
• Prepare and submit periodic underwriting and performance reports to management.
• Support audit processes and implement corrective actions for identified gaps

Qualifications and Experience

• Education: Bachelor’s degree in insurance, Business, Commerce, or a related field.
• Professional Certification: Advanced Diploma in Insurance (AIIK) or ACII (UK) is required.
• Experience: Minimum of 5–7 years in underwriting general insurance, with at least 3 years in a senior or supervisory capacity.

Skills and Competencies

• Strong product and market knowledge, reinsurance practices alongside a solid understanding of regulatory compliance standards.
• Advanced risk assessment, analytical, communication, strong leadership and team management skills
• High attention to detail, sound decision-making capabilities, and excellent relationship management and negotiation skills.

• Review, evaluate, and approve complex and high-value general insurance proposals (e.g., engineering, fire, liability, marine, motor, and property).
• Analyze risk exposures and determine appropriate coverage terms, premiums, and policy conditions.
• Make informed underwriting decisions within delegated authority limits and recommend referrals to management for exceptional cases.
• Ensure underwriting decisions align with company profitability targets and reinsurance arrangements
• Monitor the performance of the general insurance portfolio to maintain healthy loss ratios and business growth
• Supervise and mentor junior underwriters and underwriting assistants, ensuring technical competence and consistent application of underwriting standards
• Build and maintain strong working relationships with brokers, agents, and corporate clients.
• Ensure full compliance with underwriting policies, IRA regulations, and internal controls.
• Prepare and submit periodic underwriting and performance reports to management.
• Support audit processes and implement corrective actions for identified gaps

• Strong product and market knowledge
• Reinsurance practices
• Solid understanding of regulatory compliance standards
• Advanced risk assessment
• Analytical skills
• Communication skills
• Strong leadership and team management skills
• High attention to detail
• Sound decision-making capabilities
• Excellent relationship management and negotiation skills

• Bachelor’s degree in insurance, Business, Commerce, or a related field.
• Advanced Diploma in Insurance (AIIK) or ACII (UK) is required.
• Minimum of 5–7 years in underwriting general insurance, with at least 3 years in a senior or supervisory capacity.