Louise Martin ACII, Hiscox

Louise Martin ACII, Hiscox

A levels | Admin Team, Allianz | Various Underwriting Roles, Allianz | Development Underwriter, Hiscox

What is your name?

Louise Martin

Who is your employer?

Hiscox

What is your role?

Development Underwriter

What were you doing before this role?

Underwriter at Allianz insurance in various departments

How did you get where you are today?

I left school at 18 after A levels and worked in the admin team of the Allianz small business team in Maidstone. I wanted to move up within the company so I spent as much time with the underwriters as possible, I moved over as an assistant underwriter and have moved up since there

What do you do in a typical working day?

I look a new and existing business for commercial clients. This could be for a premium of £1,000 or £100,000 and could be for a range of different covers. I spend as much time out in the market as possible getting to know my broker panel and building those relationships

How does your role fit into the wider insurance picture?

I work with a panel of brokers doing commercial insurance. There are thousands of brokers up and down the country, dealing with insurers on behalf of their clients, placing all kinds of insurance. My role involves assessing the risk a clients business brings, if it is acceptable to my company and what cover we are looking to provide.

What do you enjoy most about your job?

I enjoy how varied it is. Every case is different and requires you to use your brain. I enjoy how its a mix between technical skills and soft skills.

What is the most challenging part of your role?

The competition. I know what business I want and for what price but the market is saturated with insurers and everyone is after the same thing

What do you need to be successful in your role?

Logical thinking. When I describe my job it sounds simple, its about choosing cases which you think will make money, however it's not always as simple as it sounds.

Have you taken any professional qualifications?

After doing my GCSE and A levels I went on to get my ACII

What have been your career highlights so far?

Achieving my ACII

What are the main benefits of working in the profession?

Not only can you work all over the UK but you can work all over the world. It's a stable sector with really high standards but still allows you to have a good work life balance. Anything is achievable, it isn’t an industry where it matters what school or university you went to - it's about hard work and showing what you can do.

Why did you choose a career in insurance?

Being unsure of what I wanted to do when I left school, I went to work in insurance as there are so many things you can do within insurance, from claims to underwriting, accounting to surveying. I knew that working for a big company I would have the option to find out what I liked doing without having to change industry. « Back to case studies