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 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 Assistant Vice President, of ESL & MC Programs actively contributes as a technical expert in both underwriting activities and department-specific industry knowledge. Collaboration with colleagues is critical to achieving 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 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 make recommendations for improvements
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
Advise on 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 client partners
Identify new business opportunities with existing partners 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 new business and renewal 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, and identify emerging threats to the department
Advise on product development with respect to distribution considerations, underwriting considerations, and compliance considerations
Coordinate reinsurance support for programs, including negotiation of renewal terms and conditions and execution of renewal reinsurance agreements
Participate in the development of strategic annual planning as well as 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
Other duties as assigned
What YOU will bring to C&F:
Advanced knowledge of and ability to underwrite ESL at the case and portfolio levels, with any level of Managed Care programs preferred.
Strong knowledge of underwriting philosophy, techniques, state and federal filing regulations and guidelines
Diverse and deep insurance and reinsurance experience across multiple products and operational functions
Strong grasp of underwriting reporting and financial concepts, as well as accounting principles (e.g. IFRS & Statutory reporting)
Strong verbal and written communication skills
Strong interpersonal skills necessary to interact successfully with internal and external clients
Strong 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
Strong presentation skills and a solutions and service orientation
Strong risk management and math skills
Strong negotiation and influencing skills
Requirements:
Bachelor's degree from an Accredited institution required and advanced degree a plus
Underwriting and industry designations applicable to area of specialization a plus
8+ years of stop loss underwriting experience required
2+ years’ experience with reinsurance structures, underwriting and contracts
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
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 $110,600 to a maximum of $208,000. 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.
#LI-JA1
#LI-Remote