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Crum & Forster Company Overview
Crum & Forster (C&F) provides market leading property & casualty, accident & health, specialty and standard commercial lines insurance solutions. A true underwriting company, we have a 200-year history of helping our customers manage risk with laser-focused expertise, integrity and discipline. Our people are empowered to make decisions and problem-solve with you smartly and swiftly. Our annual gross written premium is 6.2 billion. C&F enjoys a financial strength rating of "A+" (Superior) by AM Best.
Our most valuable asset is our people. We have 3000 employees, and locations throughout the United States and India. With our employee-first focus, the Company is consistently recognized as a great place to work, earning multiple workplace and wellness awards, including the Great Place to Work® Award, Fortune 100 Best Companies to Work For, Fortune Best Workplaces for Parents, Fortune Best Workplaces for Millennials, and many others.
C&F is part of Fairfax Financial Holdings. For more information about C&F, please visit our website: www.cfins.com
Job Description
Since 2000, Crum & Forster’s Accident & Health division (A&H) has offered a diverse portfolio of specialty insurance and reinsurance products nationwide. We place a strong focus on product development and creative distribution methods, along with excellent client service and support.
In addition to our robust domestic portfolio, which spans both special risk and medical solutions, A&H works on an international basis through various partnerships. Our global capabilities provide our partners with even broader flexibility in underwriting solutions.
The qualities and capabilities of Crum & Forster Accident & Health demonstrate our philosophy of building meaningful, long-term partnerships and our dedication to providing alternative strategies in an ever-changing insurance market.
The A&H MBU takes a full-spectrum approach to designing and servicing a robust slate of products tailored to needs in Employer Stop Loss, Excess Medical, Life, and Ancillary and Supplemental benefits. Our diversified business model includes program partnerships as well as direct sales in Employer Stop Loss. At year-end 2025, the MBU recorded $1B in gross premium written.
Information about the Role, Line of Business and Team:
This position is responsible for the origination, program management, product development and underwriting of employer stop loss (ESL), Medical XS and ancillary insurance and reinsurance products within the Medical Business Unit (MBU). Other responsibilities include portfolio management, financial planning, strategic development, coordinating accounts and projects with actuaries, operations and shared services, and negotiating contractual terms and conditions.
The Vice President, of ESL & MC Programs actively contributes as a technical expert in both underwriting activities and department-specific industry knowledge. May lead and mentor a team of underwriters to build organizational value. Collaboration with colleagues is critical to achieve divisional goals.
What you will do:
Implement strategy to drive profitability, retention, and written premium goals of the MBU
Evaluate portfolio performance based on profitability metrics, define strategic changes, and oversee execution of continuously improving portfolio in alignment with division or segment objectives
Demonstrate understanding and proper use of underwriting tools as well as coordinate with actuarial in development, testing and maintenance
Perform underwriting referral reviews and make independent decisions according to underwriting guidelines and within underwriting letter of authority while maintaining proper client correspondence and agreement documentation
Develop and maintain underwriting rules, risk management principles and regulations to ensure compliance with all currently applicable corporate requirements and state and federal legislation
Establish and manage data flows from client companies to ensure monitoring of results versus established targets and plans Develop annual business goals for assigned products and client partners Develop new business opportunities through business development activities that align to the organization’s strategic direction and coordinate with the Business Development team Establish an in-depth knowledge of department products and services and clearly articulate the department’s value proposition
Evaluate renewal submissions, evaluate and perform initial underwriting of new business submissions, as well as schedule and perform underwriting reviews of client companies to provide technical and strategic feedback
Maintain awareness of market trends, products, market participants and competitive practices, identify emerging threats to the department, analyze and evaluate new developments and trends in the market to identify business potential
Drive product development with respect to distribution considerations, underwriting considerations, and compliance considerations Coordinate reinsurance support for programs, including negotiation of new business and renewal terms and conditions and execution of new and renewal reinsurance agreements Key participant in the development of strategic annual planning as well as drive training, initiatives and projects Manage multi-functional teams and projects to help achieve departmental goals Opportunity to lead and manage a small team as the role evolves in the future Build a high performance culture by developing sales oriented, technically strong underwriters
What YOU will bring to C&F:
Exceptional knowledge of and ability to apply actuarial, pricing, and actuarial modeling methodologies at both the case and portfolio levels.
Exceptional knowledge of and ability to underwrite ESL at the case and portfolio levels Deep expertise across Employer Stop Loss, Managed Care, HMO Re, Medical XS, and related specialty medical products Deep expertise in underwriting philosophy, techniques, state and federal filing regulations and guidelines Extensive, diverse and deep insurance and reinsurance experience across multiple products and operational functions Expert command of underwriting reporting and financial concepts, as well as accounting principles (e.g. IFRS & Statutory reporting) Exceptional verbal and written communication skills Highly developed interpersonal skills necessary to interact successfully with internal and external clients Advanced problem-solving skills Excellent organizational and time management skills with ability to multi-task with an emphasis on quality and customer service Exceptional attention to detail Flexible and open to an ever-changing, fast-paced environment Demonstrates initiative to learn new skills and products and take on additional tasks or responsibility Exceptional presentation skills and a solutions and service orientation Advanced risk management and math skills Highly developed negotiation and influencing skills
Requirements:
Bachelor's degree from an Accredited institution or equivalent experience required and advanced degree is a plus
Underwriting and industry designations applicable to area of specialization a plus
15+ years of stop loss underwriting experience required
5+ years’ experience with reinsurance structures, underwriting and contracts
2+ years of management experience
Strong computer skills and Microsoft Office skills including Outlook, Word, Excel and PowerPoint
Knowledge of Connexure and/or Kevin Ugan System a plus
Travel required
What C&F will bring to you
We value inclusivity and diversity. We are committed to equal employment opportunity and welcome everyone regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity, or Veteran status. If you require special accommodation, please let us know.
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Crum & Forster is committed to ensuring a workplace free from discriminatory pay disparities and complying with applicable pay equity laws. Salary ranges are available for all positions at this location, taking into account roles with a comparable level of responsibility and impact in the relevant labor market and these salary ranges are regularly reviewed and adjusted in accordance with prevailing market conditions. The annualized base pay for the advertised position, located in the specified area, ranges from a minimum of $138,700 to a maximum of $260,800. The actual compensation is determined by various factors, including but not limited to the market pay for the jobs at each level, the responsibilities and skills required for each job, and the employee’s contribution (performance) in that role. To be considered within market range, a salary is at or above the minimum of the range. You may also have the opportunity to participate in discretionary equity (stock) based compensation and/or performance-based variable pay programs.
Flexible work arrangements.
Competitive compensation package.
Generous 401K employer match.
Employee Stock Purchase plan with employer matching.
Generous Paid Time Off.
Excellent benefits that go beyond health, dental & vision. Our Wellness programs focus on your family’s complete wellness, including your physical and mental wellbeing
A core C&F principle is that you manage your career. To support your development, we have a wealth of ways for you to keep learning, including tuition reimbursement, industry related certifications and professional training available to you.
A dynamic, ambitious, fun and exciting work environment.
A spirit of social responsibility, matching donation program, volunteer opportunities, and an employee driven corporate giving.
