Introduction

At Pen, we don't just underwrite risk, we unlock possibility. We're a dynamic underwriting and distribution business backed by the strength of Gallagher and powered by a belief that every challenge has a solution. With entrepreneurial energy, niche expertise, and a bold growth mindset, we're transforming what it means to be an MGA in today's insurance landscape. Whether you're shaping new products, solving complex problems, or collaborating across teams, your ideas and initiative will help deliver smarter solutions for our clients-and move the industry forward. Here, agility meets stability. Creativity meets execution. And your career meets real opportunity. At Pen, we champion innovation, value accountability, and thrive on building something better together. If you're looking to join a team that's rewriting the future of underwriting, we'd love to hear from you.

Overview

Ready for your next underwriting role-one that gives you real broker exposure, broader product experience and the support to grow your authority and confidence?

Pen Underwriting is looking for an Underwriter to join our Risk Managed Commercial team in Birmingham, trading with brokers across the Midlands, building long-term partnerships and becoming a trusted trading contact.

You'll underwrite new and renewal business across Property Owners, Contractors Combined and Commercial Combined-building strong broker relationships while developing your technical underwriting skills within a supportive, high-performing team.

You'll manage and develop risks within your agreed authority, using sound judgement and referring cases when needed-supported by experienced colleagues who will coach you as you grow.

This is an ideal next step for someone with industry experience who is customer-centric, outgoing and resilient-and who enjoys building successful relationships across all levels within an organisation.

Why Pen

At Pen, you'll join an innovative underwriting business with the scale to invest in people and the agility to move quickly. With >£1bn GWP, we combine strong market presence with a collaborative, empowered culture-so you can make decisions, build relationships and see the impact of your work every day.

We offer study support, mentoring and coaching from highly experienced underwriters, plus exposure across multiple products and a clear pathway to progress.

How you'll make an impact

• Underwrite and service a portfolio of new and renewal business, responding to rating and adjustment enquiries in a timely, customer-focused way.
• Support profitable growth by identifying and progressing new business opportunities with brokers, in line with underwriting appetite and agreed strategy.
• Underwrite Property Owners, Contractors Combined and Commercial Combined risks, evaluating exposures, handling technical cover requests and liaising with brokers, insurers and internal teams.
• Collaborate with senior underwriters on referrals and more complex cases, using feedback and coaching to build your technical capability and confidence.
• Operate within your agreed underwriting authority, escalating and referring where appropriate and documenting decisions clearly.
• Build and maintain deep product knowledge across Property Owners, Contractors Combined and Commercial Combined, ensuring consistent, high-quality underwriting decisions.
• Monitor portfolio performance and broker feedback, using MI and insights to support trading decisions and continuous improvement.

About you

• Experience in commercial lines underwriting (or closely related roles), with exposure to new business and renewals and a strong service mindset.
• CII qualification (or working towards) and a solid general insurance foundation (e.g., A-Levels or equivalent experience).
• Good technical judgement and curiosity to assess risk exposure and appetite, asking the right questions and referring when needed.
• A confident, proactive communicator with strong relationship-building and negotiation skills, and a keen eye for detail.
• A commercial mindset with an interest in trading-working with brokers to achieve customer-focused outcomes and profitable results.
• Organised and resilient, able to plan and prioritise renewals while progressing new business opportunities in a fast-paced environment.
• Analytical and problem-solving skills.
• A positive, team-oriented attitude with a commitment to delivering excellent service.
• Eligibility to work in the UK.

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Compensation and benefits

At Gallagher, we believe supporting our colleagues goes far beyond the role itself. For more information, visit our Benefits page.

• Competitive compensation
• Comprehensive benefits programs designed to support your well-being
• Career development opportunities and ongoing learning
• A collaborative, people-first culture with accessible leadership
• The opportunity to do meaningful work with global reach and local impact

At Gallagher, we are dedicated to building an inclusive and authentic workplace. If your past experience doesn't align perfectly, we encourage you to join our Talent Community to stay connected to additional career opportunities. Although this role is listed as full-time, if you're in a job-share partnership, work reduced hours, or have any other flexible arrangement, please still get in touch. We will also offer reasonable adjustments to the recruitment process if required, so please let us know.

Gallagher is an affirmative action/equal opportunity employer (Minorities/Females/Veterans/Disabled)