CV Example

Insurance Underwriter CV Example (Full Sample + Writing Guide)

This Insurance Underwriter CV example shows how to translate risk-selection judgement into hard numbers a hiring manager can scan in seconds. A strong sample proves you protect the loss ratio while still writing profitable business, and this page gives you a model you can adapt line by line.

Written & reviewed by the CVWon Editorial Team · Updated June 2026

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Full CV Example

Insurance Underwriter

Professional Summary

Commercial lines Insurance Underwriter with 8 years' experience pricing property, casualty and package risks across SME and mid-market portfolios. I manage a GBP 14M book at a 58% loss ratio, 9 points below team target, and authored underwriting guidelines now used across three branches. I combine actuarial-informed pricing with strong broker relationships to retain 92% of profitable accounts at renewal.

Key Achievements

Underwrote a GBP 14M commercial property and casualty portfolio, holding the loss ratio at 58% against a 67% division target across three consecutive years

Repriced 320 underperforming SME accounts during portfolio remediation, lifting renewal rate adequacy by 18% and recovering GBP 1.1M in premium

Built a tiered authority referral matrix that cut average quote turnaround from 6 days to 38 hours for sub-GBP 250K risks

Declined or restructured 47 high-hazard submissions in one year, preventing an estimated GBP 900K in adverse exposure based on cat-modelling output

Trained 6 junior underwriters on bordereaux analysis and treaty terms, with all six clearing their CII referral-authority sign-off within 9 months

Partnered with 22 broker panels to grow new business GBP 2.4M while maintaining a sub-60% combined operating ratio

Led the rollout of an automated pricing engine for fleet motor, reducing manual rating errors by 31% and freeing 12 hours of underwriting time weekly

Education

Most underwriters hold a bachelor's degree in finance, economics, business or actuarial science; list it but lead with your professional designation. On the CV, place CII or CPCU progress directly under your name where ATS and recruiters expect it.

Certifications

Chartered Insurance Institute (CII) Diploma in Insurance

Associate of the Chartered Insurance Institute (ACII)

Chartered Property Casualty Underwriter (CPCU)

Lloyd's of London Underwriting Fundamentals

Associate in Commercial Underwriting (AU) - The Institutes

Skills

What Skills Should an Insurance Underwriter CV Highlight?

Technical

Risk assessment and exposure analysis Loss-ratio and combined-ratio management Actuarial-informed rate adequacy pricing Catastrophe and probabilistic risk modelling Reinsurance treaty and facultative placement Bordereaux and submission triage

Soft Skills

Sound commercial judgement under ambiguity Broker relationship management Clear written rationale for declines and referrals Negotiation on terms and conditions Attention to detail

Tools

Guidewire PolicyCenter Duck Creek Underwriting RMS / Verisk Touchstone cat models Microsoft Excel (advanced, with VBA) Applied Epic Power BI

Category	Skills
Technical	Risk assessment and exposure analysis, Loss-ratio and combined-ratio management, Actuarial-informed rate adequacy pricing, Catastrophe and probabilistic risk modelling, Reinsurance treaty and facultative placement, Bordereaux and submission triage
Tools	Guidewire PolicyCenter, Duck Creek Underwriting, RMS / Verisk Touchstone cat models, Microsoft Excel (advanced, with VBA), Applied Epic, Power BI
Soft Skills	Sound commercial judgement under ambiguity, Broker relationship management, Clear written rationale for declines and referrals, Negotiation on terms and conditions, Attention to detail

Industry Note

Hiring managers want proof you protect profitability, not just throughput, so quantify loss ratios, rate adequacy and retention rather than policy counts. In the UAE and wider GCC, familiarity with takaful structures and IA/CBUAE regulatory filing is a strong differentiator; in the EU and London market, Lloyd's coverholder and Solvency II awareness carries weight.

FAQ

Frequently Asked Questions

Yes, loss ratio is the single metric underwriting managers scan for first. Quote your book size, your achieved loss or combined ratio and the target you beat, even if you have to express it as a band to respect confidentiality.

Lead with transferable risk work from claims, broking or analyst roles. Frame submission review, pricing support or referral handling as underwriting-adjacent decisions and name the lines of business you touched.

Mirror the job advert. If it is a property role, foreground cat modelling and surveys; for casualty, foreground liability limits and aggregation; for SME, foreground volume, speed and automated rating.

They do, and many employers gate referral authority and salary bands on them. List your current level plus exams in progress so recruiters can see your trajectory.

Two pages for most roles. Use the first half-page for a summary and a metrics-led highlights block so a manager grasps your book size and loss performance before scrolling.