bimakavach
Who Are We? BimaKavach is reimagining how Indian businesses access protection — with technology, speed, and simplicity at the core of everything we do. We proudly serve 6,000+ companies, including names like BSNL, Daikin, The Whole Truth, and CleverTap , and are backed by top investors like Waterbridge, Blume, Arali, and Eximius. Our mission? To safeguard every Indian business by 2047. Our mindset? Bold, fast-moving, and customer-obsessed. Join us at BimaKavach and be part of a once-in-a-generation opportunity to reshape how insurance works for millions of businesses. Bring your expertise, curiosity, and ambition — and help build the future of SME insurance in India. Job Overview: We are seeking a skilled Liability Insurance Underwriter to assess and evaluate risks associated with liability insurance products. The ideal candidate will bring a strong understanding of the commercial liability landscape, from general liability to specialized products, ensuring accurate underwriting decisions that balance client needs and organizational profitability. Key Responsibilities: Demonstrate extensive knowledge of Liability and Financial Lines products, including policy analysis and comparison with competitors. Work on large client submissions, collaborating with MNC brokers to ensure conversions. Develop pre-underwritten products for the Retail team, overseeing IT integration for streamlined product delivery. Lead product development, including product filing, pricing in collaboration with actuaries, and market differentiation analysis. Engage with the reinsurance team for facultative proposals, ensuring comprehensive coverage and risk management. Prepare client submissions, conducting in-depth risk analysis, understanding business structures, and identifying key exposures. Facilitate training for the Sales team to enhance product knowledge and market readiness. Liaise with brokers, agents, and clients to support business development and client satisfaction. Manage operational tasks, including scrutiny and quality control of policy wording and documentation. Oversee P&L for the region, with a focus on achieving Liability targets and converting large deals.
Bachelor’s degree in Finance, Business, Insurance, or a related field. Relevant certification in insurance underwriting (e.g., CII, CPCU) is an asset. Minimum of 3 years of experience in underwriting liability insurance products. Comprehensive knowledge of liability lines, including general, professional, and specialty liability. Strong analytical skills to evaluate complex risk profiles and make sound underwriting decisions. Excellent communication and interpersonal skills for interaction with brokers, agents, and internal teams. Detail-oriented with the ability to manage multiple accounts and prioritize tasks. Proficiency in insurance software and data analysis tools.