Underwriter- Engineering

Overview

• The Engineering Underwriter is responsible for underwriting and managing engineering insurance risks, including mainly Contractors’ All Risks (CAR), Erection All Risks (EAR), Contractors’ Plant & Machinery (CPM).
• The role involves technical risk evaluation, pricing, policy structuring, and portfolio management while supporting profitable growth in line with company underwriting guidelines and UAE market practices.
• Underwrite engineering insurance risks including CAR, EAR, CPM, and Engineering policies within delegated underwriting authority.
• Review proposal forms, project details, method statements, construction schedules, machinery specifications, and contractual documents.
• Manage renewals and monitor portfolio performance, loss ratios, and accumulation of risk across projects and locations.
• Identify & evaluate the risk exposures and document them on the underwriting referral file
• Prepare a risk referral after conducting an underwriting analysis of the proposal
• Making a recommendation on terms and conditions & pricing in the referral to the approving authority
• Conduct the Technical validation of the risk – ensure adherence to underwriting guidelines, documentation of underwriting decisions, compliance with service standards and alignment with risk appetite of the company
• Prepare approved quotation to send to the client / broker. Involved in the negotiation discussion with the client/broker
• Process all underwriting documents neatly and accurately within the month before month end closing (New Businesses, Mid Term Adjustments, Renewals, and other Policy Administration processes)
• Support the claims team on complex or large casualty and workmanship-related claims, including coverage interpretation and policy intent clarification.
• Assist with facultative reinsurance placements and referrals where elevated workmanship or high-risk construction exposures exist.
• Coordinate with risk engineers and surveyors for site inspections and technical risk reviews.
• Participate in broker and client meetings to explain coverage intent, risk requirements, and policy limitations.

Academic / Professional qualifications

Engineering

Experience

• 4
• –7 years
• of underwriting experience in casualty lines within the UAE or GCC market.

Technical Skills

• Strong understanding of
• engineering insurance principles
• and construction practices.
• Sound knowledge of CAR, EAR, CPM policy wordings, extensions, exclusions, and maintenance covers.
• Ability to interpret engineering drawings, project schedules, and technical specifications.
• Familiarity with UAE construction environment and contractual risk structures.
• **Behavioural & Commercial Skills**
• Strong analytical and decision-making skills.
• Ability to underwrite independently while escalating complex risks appropriately.
• Commercial mindset with a focus on sustainable and profitable underwriting.
• Efficient use of computer with good working knowledge of all MS Office applications
• Good in English language. Multiple languages will be an added advantage
• Proactive and organised
• Effective communication and negotiation skills with brokers and internal stakeholders.
• Balanced commercial mindset with focus on sustainable profitability.