19 Insurance Underwriter jobs in South Africa

We are seeking a detail-oriented and proactive underwriter to join our insurance brokerage team. The successful candidate will play a key role in assessing risks, preparing submissions to insurers, negotiating competitive terms, and ensuring that policies are accurately managed throughout their lifecycle. This includes handling new business quotations, renewals, amendments, and cancellations while providing strong technical support to brokers and clients.

Requirements

• Recognised qualification in Insurance.

• Minimum 2 years of underwriting experience within a brokerage environment.

• Completed RE5

• Completed Class of Business (Commercial and Personal)

• Must be fully approved as a representative (not under supervision)

• 35 Years experience in Commercial / Insurance underwriting within short-term insurance
• RE5 Certification essential
• FAIS-compliant (relevant NQF qualification, minimum 120 credits)
• Strong technical knowledge across multiple lines (e.g., property, liability, motor, engineering, etc.)
• Proficient in MS Office and underwriting platforms (e.g., Pursuit, Nimbis, or similar)
• Must be billingual (Afrikaans and English)
• Experience working in a brokerage or insurance environment

• Assess risk and determine appropriate coverage terms under their binder and other insurer agreements
• Evaluate new business and renewal applications for commercial/pertsonal insurance coverage
• Analyse risk exposures and determine appropriate premiums, terms, and conditions
• Liaise with Stakeholders and internal teams to gather required documentation and provide feedback
• Ensure underwriting decisions comply with company policy, risk appetite, and regulatory standards
• Maintain accurate underwriting records and documentation
• Adherence to underwriting guidelines and product offerings
• Monitor portfolio performance and flag or identify emerging risks
• Work with Claims and Finance teams to ensure policy accuracy and risk alignment

• Only if you meet the minimum job requirements and experience as mentioned above, you may submit a detailed updated CV.
• Please Apply Online and complete your registration via our website to enable and protect you as a candidate and to accept the new POPIA terms and conditions.
• This will then create your permanent profile with which you can apply for all jobs as advertised by AJ PERSONNEL.
• However, you may remove your profile from AJ PERSONNEL when you are no longer in the job market.
• Please take note that the applicants who do not adhere to the minimum requirements will not be considered for the respective position.
• Note our clients may expire jobs at their own discretion.
• AJ PERSONNEL will only respond to shortlisted candidates.
• If you have not received a response within two (2) weeks from applying, your application was then unsuccessful for that specific position, however your profile remains on our system for future opportunities.

• 3–5 Years’ experience in commercial underwriting within short-term insurance
• RE5 Certification essential
• FAIS-compliant (relevant NQF qualification, minimum 120 credits)
• Strong technical knowledge across multiple lines (e.g., property, liability, motor, engineering, etc.)
• Proficient in MS Office and underwriting platforms (e.g., Pursuit, Nimbis, or similar)
• Must be billingual (Afrikaans and English)
• Experience working in a brokerage or insurer environment

• Assess risk and determine appropriate coverage terms under their binder and other insurer agreements
• Evaluate new business and renewal applications for commercial/pertsonal insurance coverage
• Analyse risk exposures and determine appropriate premiums, terms, and conditions
• Liaise with Stakeholders and internal teams to gather required documentation and provide feedback
• Ensure underwriting decisions comply with company policy, risk appetite, and regulatory standards
• Maintain accurate underwriting records and documentation
• Adherence to underwriting guidelines and product offerings
• Monitor portfolio performance and flag or identify emerging risks
• Work with Claims and Finance teams to ensure policy accuracy and risk alignment

• Only if you meet the minimum job requirements and experience as mentioned above, you may submit a detailed updated CV.
• Please Apply Online and complete your registration via our website to enable and protect you as a candidate and to accept the new POPIA terms and conditions.
• This will then create your permanent profile with which you can apply for all jobs as advertised by AJ PERSONNEL.
• However, you may remove your profile from AJ PERSONNEL when you are no longer in the job market.
• Please take note that the applicants who do not adhere to the minimum requirements will not be considered for the respective position.
• Note our clients may expire jobs at their own discretion.
• AJ PERSONNEL will only respond to shortlisted candidates.
• If you have not received a response within two (2) weeks from applying, your application was then unsuccessful for that specific position, however your profile remains on our system for future opportunities.

Management Level

Senior Associate

Job Description & Summary

At PwC, our people in deals focus on providing strategic advice and support to clients in areas such as mergers and acquisitions, divestitures, and restructuring. They help clients navigate complex transactions and maximise value in their business deals.

In deal recovery management at PwC, you will focus on helping clients navigate financial distress and recover from challenging business situations. You will be responsible for providing strategic advice and solutions to optimise recovery outcomes.

Focused on relationships, you are building meaningful client connections, and learning how to manage and inspire others. Navigating increasingly complex situations, you are growing your personal brand, deepening technical expertise and awareness of your strengths. You are expected to anticipate the needs of your teams and clients, and to deliver quality. Embracing increased ambiguity, you are comfortable when the path forward isn't clear, you ask questions, and you use these moments as opportunities to grow.

Examples of the skills, knowledge, and experiences you need to lead and deliver value at this level include but are not limited to:

• Respond effectively to the diverse perspectives, needs, and feelings of others.
• Use a broad range of tools, methodologies and techniques to generate new ideas and solve problems.
• Use critical thinking to break down complex concepts.
• Understand the broader objectives of your project or role and how your work fits into the overall strategy.
• Develop a deeper understanding of the business context and how it is changing.
• Use reflection to develop self awareness, enhance strengths and address development areas.
• Interpret data to inform insights and recommendations.
• Uphold and reinforce professional and technical standards (e.g. refer to specific PwC tax and audit guidance), the Firm's code of conduct, and independence requirements.

A career within Deals Business Recovery Services, will provide you with the opportunity to support our clients survive an imminent crisis or simply fix gaps in their organisation. We help clients, reduce balance sheet stress, generate cash and reduce costs or refinance to find the best source of capital to support their business objectives. Whatever the solution, we help them manage challenges until the job is done.

As a Senior Associate, you'll work as part of a team of problem solvers, helping to solve complex business issues from strategy to execution. PwC Professional skills and responsibilities for this management level include but are not limited to:

To really stand out and make us fit for the future in a constantly changing world, each and every one of us at PwC needs to be a purpose-led and values-driven leader at every level. To help us achieve this we have the PwC Professional; our global leadership development framework. It gives us a single set of expectations across our lines, geographies and career paths, and provides transparency on the skills we need as individuals to be successful and progress in our careers, now and in the future.

• Use feedback and reflection to develop self awareness, personal strengths and address development areas.
• Delegate to others to provide stretch opportunities, coaching them to deliver results.
• Demonstrate critical thinking and the ability to bring order to unstructured problems.
• Use a broad range of tools and techniques to extract insights from current industry or sector trends.
• Review your work and that of others for quality, accuracy and relevance.
• Know how and when to use tools available for a given situation and can explain the reasons for this choice.
• Seek and embrace opportunities which give exposure to different situations, environments and perspectives.
• Use straightforward communication, in a structured way, when influencing and connecting with others.
• Able to read situations and modify behavior to build quality relationships.
• Uphold the firm's code of ethics and business conduct.

Role Summary:

We believe that challenges are better solved together. That's why you'll join a diverse, global community of solvers - an unexpected mix of people that come together to build trust in society and solve important problems. In a place where you are encouraged to lead with your heart and values. And where your unique skills are developed and put to work in unexpected and exciting ways, superpowered by technology.

Qualifications / Certifications required:

• Bachelor of Commerce with Honours in Accounting

• Bachelor of Business Science with Honours in Finance / CA (SA); or

• Engineer or relevant professional qualification (e.g. MBA, APICS, CPIM); or

• CFA, CIMA or other relevant related degree / professional designation.

Responsibilities of role:

As a member of the PwC CARS team, the candidate will be involved in a variety of financial advisory and restructuring projects across a diverse range of industries and will gain exposure to a wide range of clients. PwC CARS services a wide spectrum of clients ranging from large, listed multinationals through to entrepreneurial, owner managed businesses, covering both domestic and cross Africa border work.

We are looking for a Senior Associate to join our growing team to work on high-profile clients experiencing stress / distress to their business model and who require turnaround or transformation with a financial or operational restructuring lens, spanning a broad range of industry sectors. You'll provide analysis and business assessment support to the team for restructuring and/or turnaround projects.

Typically, you will work with our clients information to help our teams identify and implement rapid, tactical and sustainable financial and operational restructuring measures, for example you will be part of the team advising on:

In addition to these services you'll be expected to:

You will also be expected to take an active part in our team and practice development and will typically:

Skill sets required:

To be successful in this role, financial analysis skills and a curious commercial business mindset are critical. You will be able to demonstrate a high level of agility in a demanding environment and be able to effectively communicate with a broad range of stakeholders. Project management skills are considered fundamental together with critical thinking and a motivated and commercially astute approach to business restructuring needs.

Candidates will display the following competencies:

• Experience with data analysis;
• Experience with data analytics tools e.g. Power BI, Alteryx;
• Experience of operational or financial improvement from a management consultancy, corporate finance advisory firm or as an 'internal consultant' in a corporate;
• Operations experience, across sectors: engineering, financial services, retail, industrial, consumer, high tech, utilities, logistics, telecoms and energy;
• Competent with spreadsheets, financial and operational analysis.
• Financial restructuring and exit strategies,
• Financing and debt advisory related services,
• Turnaround strategy,
• Independent business reviews,
• Strategic options analysis,
• Contingency planning reviews,
• Short-term cash flow reviews and forecasting, helping clients see and control their cash positions
• Cash levers to smooth cash flow/conserve cash
• Cost out and EBITDA optimisation initiatives
• Working capital improvement plans;
• Restructuring Office services - helping client management develop and implement turnaround programs
• Take on a "hands-on" role to manage stakeholders and inspire change
• Provide robust data analysis and baselining support for change programmes
• Interface directly with client teams to collect, analyse and develop insights into their business
• Prepare presentations and/or reports to key stakeholders (e.g. Board, Private Equity investor, lenders, etc.)
• Work alongside other PwC teams, including specialist lines of service and sector experts.
• Support with one or two areas of internal team management
• Work with team members in areas of business development and origination efforts
• Supporting the needs of the go-to-market strategy
• Possesses a high degree of self-motivation and energy, agility and the ability to drive for high quality, meeting of deadlines and track record of setting and achieving goals;
• Good interpersonal and client relationship skills and the ability to relate to people at all levels of an organisation;
• A highly motivated, confident individual with presence;
• A proactive and dynamic team player;
• Problem solving capabilities / skills with the ability to think strategically, innovatively and "out the box";
• Ability to demonstrate a high level of agility in a demanding environment;
• An interest in and knowledge of the financial markets and the significant turnaround opportunity across SMA and Africa;
• A desire to build on commercial and industry knowledge;
• A desire and motivation to build interest in and knowledge for proactive origination and account targeting;
• Financial analysis and/or modelling skills;
• Negotiation skills;
• Conflict management skills;
• Excellent verbal and written communication skills are essential, including the ability to input into storyboarding solutions for clients including on projects and proposals - be able to contribute to succinct, well-structured reports and client communications;
• Highly rated with good academic credentials; and

Proven ability to multitask and ensure effective delivery of the priorities to meet targets and objectives and who works effectively under pressure.

Travel Requirements

Up to 20%

Available for Work Visa Sponsorship?

No

Job Posting End Date

September 28, 2025

Employer Description

Our client is a leading short-term insurance provider, specialising in commercial and motor insurance solutions. The company is known for its technical expertise, client-centric culture, and commitment to service excellence.

Job Description

A well-established and growing short-term insurance company is seeking an experienced Commercial Underwriter to join their professional underwriting team.

The successful candidate will provide comprehensive technical underwriting support across commercial lines, assist senior management with loss ratio and claims analysis, and maintain exceptional service standards with brokers and clients.

This role requires a confident, detail-oriented individual with strong analytical ability, excellent communication skills, and a deep understanding of commercial underwriting processes.

Qualifications

• Matric / Senior Certificate essential

Skills

• Minimum 5 years experience in Commercial Underwriting (short-term insurance).
• Sound understanding of Motor and Non-Motor commercial risks.
• Proven technical underwriting experience within an insurance company or underwriting management agency (UMA) preferred.
• Strong computer literacy particularly TIAL and Microsoft Office (Word, Excel, Outlook).
• Excellent communication and interpersonal skills.
• Strong organisational and time-management abilities.
• High level of accuracy and attention to detail.
• RE5 Qualification (Advantageous)
• Class of Business: Commercial Lines (Advantageous)
• Exposure to risk surveys and underwriting audits (Advantageous)

Short Term Commercial Lines Underwriter at a brokerage

Only candidates based in Johannesburg & Pretoria should apply,

Permanent Role

Minimum Requirements:

• Matric
• Fully bilingual
• Minimum 2 years' short-term commercial lines experience.
• Possess excellent verbal and written skills
• Computer literate – MS Office, Email, Internet

A MUST HAVE AND NON-NEGOTIABLE

• NQF Level 4 – Full qualification (short term insurance)
• RE5 successfully completed
• COB - Commercial Lines
• DOFA

Please send your CV to

Job Type: Permanent

Pay: R30 000,00 - R35 000,00 per month

Experience:

• Commercial Underwriting: 2 years (Required)

Location:

• Cape Town, Western Cape (Required)

Work Location: In person

Employer Description

Our client is a leading insurance provider with a strong footprint in commercial short-term insurance. The company is dedicated to professional development, teamwork, and service excellence.

Job Description

A reputable and fast-growing short-term insurance company is seeking a motivated Junior Commercial Underwriter to join its professional underwriting team.

This position is ideal for an individual who has a minimum of two years commercial underwriting experience, a solid foundation in short-term insurance, and a desire to develop technical underwriting expertise within a supportive, structured environment.

Youll work closely with senior underwriters and management, gaining exposure to all aspects of commercial underwriting, broker liaison, and policy administration

Qualifications

Matric / Senior Certificate essential

Skills

• Minimum 2 years experience in Commercial Underwriting within short-term insurance.
• Working knowledge of Motor and Non-Motor commercial lines.
• Experience on TIAL or similar underwriting system.
• Excellent verbal and written communication skills.
• Strong administrative and organisational abilities.
• High attention to detail and accuracy.
• Computer literacy MS Word, Excel, Outlook.
• Ability to work under pressure and manage deadlines.
• RE5 qualification (Advantageous)
• Class of Business: Commercial Lines (Advantageous)
• Exposure to risk surveys and underwriting audits.

TWK Agri has the following vacancy available: Underwriter (Short-Term Insurance) within the Insurance Department in Knysna, Western Cape.

Job Summary

This role involves underwriting and renewing short-term insurance policies, evaluating applications, and making informed decisions aligned with company strategy. The underwriter will support clients and brokers, ensure compliance with relevant regulations, maintain accurate documentation, and contribute to continuous process improvements through data analysis.

Responsibilities and Duties

• Primary focus on Short-term policy underwriting/renewals
• Evaluate insurance applications and renewals
• Make informed underwriting decisions aligned with company strategy
• Prepare and maintain policy documentation in line with legal standards
• Support clients and brokers with underwriting queries, quotations, and renewals
• Ensure compliance with industry regulations (FAIS, POPIA, etc.)
• Analyse underwriting data and contribute to process improvements

Qualifications and Skills

• Matric / Grade 12
• 2–3 years underwriting experience in insurance
• A relevant degree in Finance, Insurance or Business (advantageous)
• RE5 certification (advantageous)
• Proficient in MS Office suite
• Strong analytical and decision-making skills
• Excellent communication and interpersonal abilities
• Strong organisational skills with attention to detail
• Customer-focused with solid problem-solving ability
• Ability to work under pressure and meet deadlines

Take the next step in your career with TWK Agri, a trusted leader in agriculture and beyond.

• The company can expire job adverts at any time at their own discretion.

**TWK Agri supports the principles of Employment Equity and reserves the right to prioritise candidates in line with our Employment Equity targets.