Underwriter, Emerging Risks

WHO WE ARE 

Domiciled in Bermuda, with offices in London, Miami, New York and Dubai, Relm Insurance Ltd. (“Relm”) is the first IIGB (Innovative Insurer General Business) insurer regulated by the Bermuda Monetary Authority (“BMA”). Since inception, Relm has remained focus on its Vision of “Making Innovation Resilient” by providing insurance to companies pioneering new horizons in technology in more than 35 countries around the world. Relm’s dynamic global team has executed market-leading insurance solutions for companies operating in web3, AI, financial technology, biotech and other important emerging sectors.

WHAT WE ARE LOOKING FOR 

At Relm Insurance Ltd, our Mission is “To contribute to the building of the future by creating solutions for complex risks in innovative markets.” In our pursuit to lead the market in these emerging areas of innovation, we're seeking a dynamic and curious individual for the role of Underwriter, Emerging Risk. This is an important role in assisting Relm to redefine the insurance landscape by creating and pricing pioneering risk solutions. 

At Relm, we believe in fostering a diverse and inclusive culture, where everyone is empowered to bring their unique perspectives and ideas. Our core values of Accountability, Collaboration, Curiosity & Creativity, and Courage & Optimism are central to who we are, and we strive to bring these values to life every day. 

At all times this individual must embody Relm’s Core Values of Accountability, Collaboration, Curiosity & Creativity, and Courage & Optimism and continually reinforce the importance of these values with all team members.

Requirements

WHAT YOU WILL DO 

• Proactively engage with clients to understand and underwrite risks from emerging sectors and technologies. 

• Partner with clients, brokers, and third parties to develop unique insurance products that address these risks. 

• Contribute to the creation of groundbreaking insurance products, tailoring them to meet the evolving needs of our clients. 

• Collaborate with internal teams—such as Distribution, Actuarial, Claims, and Technology—to evaluate and underwrite complex risks, balancing risk-taking with profitability. 

• Work with actuaries to refine rating models that ensure competitive and sustainable pricing for emerging technologies. 

• Prepare comprehensive reports on risk exposures, recommending strategies to minimize potential impacts. 

• Stay ahead of industry trends, technologies, and regulatory changes to inform underwriting decisions and product development. 

• Conduct market analysis to identify gaps and opportunities, shaping future product offerings and strategies. 

• Represent the company at industry events, contributing thought leadership through papers, blogs, and seminars. 

• Continuously seek innovative ways to enhance underwriting processes and product offerings using new technologies. 

• Ensure compliance with regulatory requirements and internal policies in all underwriting activities. 

• Mentor and guide team members, supporting their growth and development. 

• Contribute to business-wide KPIs, including GWP targets, CSR, and CPD requirements. 

WHAT YOU BRING TO THE TABLE: 

• Bachelor's degree in business, Finance, Insurance, or a related field; professional qualifications (e.g., ACII, CPCU) are highly desirable. 

• In-depth understanding of the technology sector, including key areas such as cryptocurrency, blockchain, AI, and digital assets. 

• Strong analytical and critical-thinking abilities to assess complex risks and solve problems effectively. 

• Proven experience in developing rating models alongside actuaries and creating product wordings through collaboration. 

• Expertise in preparing risk exposure reports and presenting findings to senior management. 

• Entrepreneurial mindset with a passion for innovation and staying ahead of industry trends. 

• Exceptional communication and interpersonal skills to build relationships with both internal teams and external partners. 

• Ability to thrive in a fast-paced environment, manage multiple priorities, and meet deadlines. 

• Strategic thinker with strong business acumen and results-driven focus. 

• Effective project management skills and ability to work cross-functionally to deliver on objectives. 

• Excellent presentation and communication skills, with the ability to simplify complex concepts for diverse audiences. 

• Highly organized with strong time management skills. 

• Proficient in Microsoft Office; familiarity with Mac OS is a plus. 

• Willingness to work outside core hours and travel overseas as needed. 

Benefits

WHY YOU’LL LOVE WORKING WITH US 

At Relm, we are not just another insurance company – we are a team of innovators, creators, and collaborators who are shaping the future of insurance. We value each individual’s unique skills and experiences and offer a workplace where creativity, innovation and diversity are at the heart of everything we do. 

We are deeply committed to building an inclusive culture, where every team member feels supported and empowered to do their best work. At Relm, you will have the opportunity to grow in your career, be part of an exciting industry transformation, and contribute to a team that celebrates creativity, collaboration, and innovation. 

WHAT WE OFFER  

• Comprehensive Health & Wellness Coverage: We fully cover 100% of your supplemental health, dental, vision, disability, and life insurance plans, so you can focus on what matters most—your health and well-being. 

• Generous Pension Plan: Enjoy peace of mind with a 10% employer contribution to your pension, securing your future while you excel in your role. 

• 28 Days of Paid Annual Leave: Take time to recharge with 28 days of vacation, because we believe in work-life balance. 

• Professional Growth & Development: We invest in your growth through continuous training, development programs, and mentorship opportunities to help you reach your full potential. 

• Travel & Commuting Perks: Benefit from travel incentives, including commuting and parking support, so you can get to work with ease. 

• Wellness & Fitness Benefits: Stay fit and healthy with gym memberships and access to exercise classes—because we care about your well-being. 

• Your Voice Matters: Work in an environment where your ideas and opinions are not just heard but valued—helping shape the success of our team. 

• Endless Growth Opportunities: We offer multiple pathways for career advancement and personal development, ensuring you have the resources to grow within the company. 

• Flexible Work Arrangements: Enjoy a hybrid work environment that supports your career while offering the flexibility you need for a family-friendly lifestyle. 

At Relm, you won’t just join a company - you’ll be part of a team that’s shaping the future. If you’re ready to make an impact, we’d love to hear from you.