AVP, ESL & Managed Care Programs

Crum & Forster Company Overview

Crum & Forster (C&F) provides market leading property & casualty, accident & health, specialty and standard commercial lines insurance solutions. A true underwriting company, we have a 200-year history of helping our customers manage risk with laser-focused expertise, integrity and discipline. Our people are empowered to make decisions and problem-solve with you smartly and swiftly. Our annual gross written premium is 6.2 billion. C&F enjoys a financial strength rating of "A+" (Superior) by AM Best.

 

Our most valuable asset is our people. We have 3000 employees, and locations throughout the United States and India. With our employee-first focus, the Company is consistently recognized as a great place to work, earning multiple workplace and wellness awards, including the Great Place to Work® Award, Fortune 100 Best Companies to Work For, Fortune Best Workplaces for Parents, Fortune Best Workplaces for Millennials, and many others.

 

C&F is part of Fairfax Financial Holdings. For more information about C&F, 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 p