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About the Role

This is a varied and high-impact role supporting live business across a specialist casualty portfolio, with regular interaction across underwriting, claims, legal, compliance and external market stakeholders. The successful candidate will provide expert support on contractual matters, helping the business respond to coverage and regulatory questions, develop and maintain high-quality wordings, and ensure contracts are issued in line with Hiscox underwriting standards and controls.

Responsibilities

Partner with Casualty underwriters to provide practical guidance on coverage, contract certainty, wording development during the risk placement process and regulatory considerations across multi-jurisdictional business.
Draft, review and negotiate contract wordings, endorsements and clauses for casualty risks, ensuring they are clear, commercially appropriate and aligned to underwriting intent.
Support new and existing product development by advising on wording structure, coverage implications and legal risk management.
Maintain and develop internal wordings resources, clause libraries, templates and repositories to promote consistency and efficiency.
Provide technical guidance notes, training and knowledge-sharing for underwriters and other stakeholders on contractual matters and emerging casualty issues.
Represent Hiscox in relevant Lloyd’s and London Market forums, contributing to market-level thinking on emerging risks, legal developments and wording solutions.
Work collaboratively with colleagues across Hiscox, including Europe and the USA where relevant, to support an international book of business.

Requirements

Lloyd’s Market experience, gained in casualty, liability, cyber and financial lines, on an open market or delegated authority basis.
Strong contract drafting capability, excellent attention to detail and a sound understanding of insurance policy construction.
Commercial understanding of insurance products and the value clear, well-constructed wordings bring to customers, brokers and underwriters.
Confidence to make decisions on coverage, explain the reasoning clearly and evaluate the materiality of technical points.
Ability to lead and facilitate technical discussions with a range of stakeholders, including underwriters, claims colleagues, brokers and legal or compliance partners.
Inquisitive, high performing individual with a solutions-focused approach and the ability to work effectively both independently and as part of a team.
Strong organisational skills, with the ability to manage competing priorities and support multiple live placement, product and governance matters.
Relevant wordings, underwriting support, technical underwriting or insurance legal experience, ideally gained in the Lloyd’s or London Market environment.
Experience working with casualty, liability, financial lines or cyber insurance wordings.
Proven contract drafting skills, including strong written English, sound grammar and the ability to translate underwriting intent into clear policy wording.
Strong attention to detail and confidence working with complex contractual, regulatory and coverage issues.
A law degree, legal qualification or legal experience involving the review, drafting or negotiation of commercial contracts.
Familiarity with Lloyd’s, LMA or other London Market wording standards, model clauses and market guidance.
General non-marine insurance and reinsurance market background and knowledge of market issues.
Diploma in Insurance or Chartered Insurance Institute (CII) qualification, or above.

Skills

Contract drafting
Attention to detail
Insurance policy construction
Commercial understanding of insurance products
Decision making on coverage
Technical discussion facilitation
Organisational skills
Written English
Grammar
Contractual issue analysis
Regulatory issue analysis
Coverage issue analysis

Location

London Market

Work Type

Permanent
Hybrid working

Experience Level

Senior

Education Level

Law degree
Legal qualification
Diploma in Insurance
Chartered Insurance Institute (CII) qualification

Benefits

Great employee benefits that take care of your mental and physical wellbeing

About the Company

Hiscox is a diversified international insurance group.
Hiscox London Market insures unusual, complex and larger global risks across a number of specialist lines of business.
The Wordings team sits within the Underwriting function, which drives technical excellence and strong underwriting controls across Hiscox London Market.
The team is recognised as a critical knowledge resource for the business, providing expert guidance on coverage, contract certainty, regulation and emerging risk across multiple lines of business.
Hiscox is a specialist insurer with a strong reputation for expertise, service and technical excellence.
We’re a global, specialist insurer headquartered in Bermuda and listed on the London Stock Exchange.
With 3,000 employees and 32 offices in 12 countries we’re a business with lots of opportunity for people with talent, spark and lots of ambition.
We prioritise strong values – such as integrity and courage – where our people always pull together to do the right thing for each other and our customers.

Equal Opportunity

We are committed to diversity, equity and inclusion, creating a culture where everyone can contribute, develop and succeed.