Risk Underwriter

At Pen, we dont just underwrite risk, we unlock possibility. Were a dynamic underwriting and distribution business backed by the strength of Gallagher and powered by a belief that every challenge has a solution. With entrepreneurial energy, niche expertise, and a bold growth mindset, were transforming what it means to be an MGA in todays insurance landscape. Whether youre shaping new products, solving complex problems, or collaborating across teams, your ideas and initiative will help deliver smarter solutions for our clientsand move the industry forward. And your career meets real opportunity. At Pen, we champion innovation, value accountability, and thrive on building something better together. Pen Underwriting is looking for an Underwriter to join our Risk Managed Commercial team in Birmingham, trading with brokers across the Midlands, building long-term partnerships and becoming a trusted trading contact. Youll underwrite new and renewal business across Property Owners, Contractors Combined and Commercial Combinedbuilding strong broker relationships while developing your technical underwriting skills within a supportive, high-performing team. Youll manage and develop risks within your agreed authority, using sound judgement and referring cases when neededsupported by experienced colleagues who will coach you as you grow. This is an ideal next step for someone with industry experience who is customer-centric, outgoing and resilientand who enjoys building successful relationships across all levels within an organisation. Underwrite Property Owners, Contractors Combined and Commercial Combined risks, evaluating exposures, handling technical cover requests and liaising with brokers, insurers and internal teams. Collaborate with senior underwriters on referrals and more complex cases, using feedback and coaching to build your technical capability and confidence. Build and maintain deep product knowledge across Property Owners, Contractors Combined and Commercial Combined, ensuring consistent, high-quality underwriting decisions. Monitor portfolio performance and broker feedback, using MI and insights to support trading decisions and continuous improvement. Experience in commercial lines underwriting (or closely related roles), with exposure to new business and renewals and a strong service mindset. CII qualification (or working towards) and a solid general insurance foundation (e.g., Good technical judgement and curiosity to assess risk exposure and appetite, asking the right questions and referring when needed. A confident, proactive communicator with strong relationship-building and negotiation skills, and a keen eye for detail. A commercial mindset with an interest in tradingworking with brokers to achieve customer-focused outcomes and profitable results. Compensation and benefits On top of a competitive salary, great teams and exciting career opportunities, we also offer a wide range of benefits. Minimum of 25 days holiday, plus bank holidays, and the option to buy extra days Defined contribution pension scheme, which Gallagher will also contribute to Life insurance, which will pay 4x your basic annual salary, which you can top-up to 10x Health cash plan or Private medical insurance Employee Stock Purchase plan, offering company shares at a discount Share incentive plan, HMRC approved, tax effective, stock purchase plan Critical illness cover Discounted gym membership, with over 3,000 gyms nationally Season ticket loan Access to a discounted voucher portal to save money on your weekly shop or next big purchase We value inclusion and diversity Inclusion and diversity (I&D) is a core part of our business, and its embedded into the fabric of our organisation. For more than 95 years, Gallagher has led with a commitment to sustainability and to support the communities where we live and work. Gallagher embraces our employees diverse identities, experiences and talents, allowing us to better serve our clients and communities. We see inclusion as a conscious commitment and diversity as a vital strength. By embracing diversity in all its forms, we live out The Gallagher Way to its fullest. Gallagher is Disability Confident Committed. We have pledged to make sure our recruitment process is inclusive and accessible, in addition to supporting our existing employees with any long-term health conditions or disabilities. We understand that applicants may have disabilities, if you do, you may find some parts of the recruitment process more challenging than others. Dont worry, were here to help, however, we can only do this if you let us know. If youd prefer to speak on the phone, please request a call back, leaving details, so we get in touch. Gallagher Services (UK) Limited, is proud to be accredited as a Living Wage employer with the Living Wage Foundation. We are committed to diversity and opportunity for all and are opposed to any form of less favourable treatment on the grounds of gender or gender identity, marital status, civil partnership status, parental status, race, ethnicity, colour, nationality, disability, sexual orientation, religion/ belief, age and those with caring responsibilities. Gallagher believes that all persons are entitled to equal employment opportunity and prohibits any form of discrimination by its managers, employees, vendors or customers based on race, color, religion, creed, gender (including pregnancy status), sexual orientation, gender identity (which includes transgender and other gender non-conforming individuals), gender expression, hair expression, marital status, parental status, age, national origin, ancestry, disability, medical condition, genetic information, veteran or military status, citizenship status, or any other characteristic protected (herein referred to as protected characteristics) by applicable federal, state, or local laws. Equal employment opportunity will be extended in all aspects of the employer-employee relationship, including, but not limited to, recruitment, hiring, training, promotion, transfer, demotion, compensation, benefits, layoff, and termination. xkybehq In addition, Gallagher will make reasonable accommodations to known physical or mental limitations of an otherwise qualified person with a disability, unless the accommodation would impose an undue hardship on the operation of our business.