Crum & Forster Company Overview
Crum & Forster (C&F), with a proud history dating to 1822, provides specialty and standard commercial lines insurance products through our admitted and surplus lines insurance companies. C&F enjoys a financial strength rating of "A+"(Superior) by AM Best and is proud of our superior customer service platform. Our claims and risk engineering services are recognized as among the best in the industry.
Our most valuable asset is our people: more than 2000 employees in locations throughout the United States. The company is increasingly winning recognition as a great place to work, earning several workplace and wellness awards, including the 2024 Great Place to Work® Award for our employee-first focus and our steadfast commitment to diversity, equity and Inclusion.
C&F is part of Fairfax Financial Holdings, a global, billion dollar organization. For more information about Crum & Forster, 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 A&H demonstrate our philosophy of building meaningful, long-term partnerships and our dedication to providing alternative strategies in an ever-changing insurance market.
The Medical Business Unit (MBU) takes a full-spectrum approach to designing and servicing a robust slate of products that are 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 is a unique opportunity to work with a high-quality team of leaders and benefit from the security and stability of a large organization while maintaining a nimble and responsive approach to business. The Senior Underwriter is responsible for developing and managing a large block of stop loss business and partnering with our sales team to help grow the top line while ensuring we meet our target loss ratio.
What you will do:
- Demonstrate understanding and proper use of underwriting tools
- Apply underwriting rules, risk management principles and regulations to ensure compliance with all currently applicable corporate requirements and state and federal legislation
- Consistently apply underwriting best practices
- Maintain awareness of market trends, products, market participants and competitive practices
- Ability to articulate the department's value proposition
- Assist in developing annual business goals for assigned agents/producers; responsible for analyzing results and maintaining accountability of agency partners within the department
- Implement block renewal strategies using pricing tools, producer analytics, and intel from CFSL sales personnel
- Make independent decisions within underwriting letter of authority and maintains proper file documentation
- Manage assigned workload to meet productivity requirements and achieve annual business goals
- Develop sound Specific and Aggregate Stop Loss pricing recommendations for both prospective and in-force Employer Stop Loss accounts using multiple tools according to underwriting guidelines, including medical evaluations of ongoing large claims
- Accountable for profitability of your portfolio of business and all risk-based decisions; proactively take steps to manage profitability, persistency and growth.
- Consult with sales team to formulate a successful sales strategy
- Complete facultative approvals for less tenured underwriters and mentor when necessary
- Maintain strategic relationships with sales, brokers, third-party administrators (TPAs), and other
- Model high performance culture as a sales oriented, technically strong underwriter.
- Other duties as assigned
What YOU will bring to C&F:
- Adept decision-making skills
- Effective relationship-building and interpersonal skills
- Strong verbal and written communication skills
- Service and sales orientation
- Excellent organizational and time management skills with ability to multi-task with an emphasis on quality and customer service
- Effective negotiation and influencing skills
Requirements:
- Bachelor's degree from an accredited college or university
- 6+ years of related work experience in underwriting and/or sales
- Well-developed knowledge of Employer Stop Loss
- Strong knowledge of underwriting philosophy, techniques, state and federal filing regulations and guidelines
- Strong computer skills and Microsoft Office skills including Outlook, Word, Excel and PowerPoint
- Knowledge of Connexure a plus
- Industry designations applicable to area of specialization a plus
- Willingness to travel multiple times per year to develop relationships
What C&F will bring to you
At C&F you will BELONG
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.
For California Residents Only: Information collected and processed as part of your career profile and any job applications you choose to submit are subject to our privacy notices and policies, visit https://www.cfins.com/onlineprivacypolicy/ca/noticeatcollection/ for more information.
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 $64,700 to a maximum of $121,600. 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.
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