Engineering Underwriter
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Key skills for this role
About the Role
Liva Insurance UAE is seeking an Engineering Underwriter with 4-7 years of experience in the UAE/GCC market to underwrite engineering insurance risks including CAR, EAR, and CPM. The role involves technical risk evaluation, pricing, policy structuring, and portfolio management.
Key Skills for This Role
Responsibilities
- 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 and evaluate risk exposures and document them on the underwriting referral file
- Prepare risk referrals after conducting underwriting analysis of proposals
- Make recommendations on terms, conditions, and pricing to approving authority
- Conduct technical validation of risks, ensuring adherence to underwriting guidelines and documentation
- Prepare approved quotations and engage in negotiation discussions with clients/brokers
- Process all underwriting documents accurately within month end closing deadlines
- Support claims team on complex or large casualty and workmanship related claims
- Assist with facultative reinsurance placements and referrals for high risk exposures
- Coordinate with risk engineers and surveyors for site inspections and technical risk reviews
Requirements
- Bachelor's degree in Engineering (Civil, Mechanical, Electrical) or Insurance related discipline
- 4 7 years of underwriting experience in casualty lines within the UAE or GCC market
- 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
- Strong analytical and decision making skills
- Proficiency in MS Office applications
- Good command of English; multiple languages an advantage
Full Job Posting
Role 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.
Key Responsibilities
- 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.
Academic / Professional Qualifications
- Bachelor’s degree in Engineering (Civil, Mechanical, Electrical) or Insurance related discipline.
- Professional insurance qualifications (CII / ACII or equivalent) preferred.
- Exposure to large infrastructure, commercial, industrial, and mixed use projects is an advantage.
Experience
- 4–7 years of underwriting experience in casualty lines within the UAE or GCC market.
Knowledge / Skills Required
- 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.
- 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.
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