Underwriting Counsel

WHO WE ARE:

Relm is a specialty insurer built for businesses shaping the future.

We work with companies operating across digital assets and Web3, AI, space, fintech, biotech and other emerging industries where traditional insurance markets can struggle to keep pace.

With teams across London, New York, Dubai, Miami and Bermuda, we combine specialist underwriting expertise with curiosity, creativity and a willingness to understand risks others may not.

For the right candidate, RELM are open to supporting relocation to Miami Beach and can offer a relocation package to help make the move possible.

We are looking for an experienced Underwriting Counsel  to join our Legal team and act as a key legal partner to Relm’s underwriting business.

Reporting to the Senior Legal Counsel - Insurance & Strategy, you will take day-to-day ownership of legal support for Relm’s underwriting teams, managing a varied portfolio of matters ranging from endorsements, amendatories and bespoke policy wordings to complex underwriting issues across Relm’s speciality insurance portfolio.

This is a hands-on role for a commercially minded insurance lawyer who enjoys working closely with underwriters. You will independently manage the Underwriting Counsel function and be comfortable working directly with senior underwriters, claims professionals, product teams and other stakeholders across the business.

WHAT YOU WILL DO:

• Act as a primary day-to-day legal adviser to Relm’s underwriting teams on policy wording, coverage and other underwriting-related legal matters.
• Own and manage the Underwriting Counsel intake process, including triaging and prioritising requests and ensuring matters are progressed efficiently.
• Draft and review endorsements, amendatories, manuscript wordings, policy forms and other insurance product documentation.
• Advise on bespoke policy terms and coverage structures, translating underwriting intent and commercial objectives into clear and effective policy language.
• Review and negotiate NDAs, underwriting authority letters and other routine underwriting-related agreements.
• Partner with Underwriting and Product Innovation on the development, enhancement and lifecycle management of insurance products and coverage solutions.
• Advise on legal and regulatory requirements relevant to underwriting activities, policy documentation and insurance products.
• Work with Claims and Legal to identify lessons from claims, disputes and coverage issues and translate them into improvements to policy wording, products and underwriting practices.
• Develop and maintain policy wording standards, endorsement libraries and precedents.  Work with Underwriting to develop playbooks and practical guidance.  Support Product to ensure product library remains up to date and meets regulatory and other requirements.
• Identify emerging legal, regulatory and market developments affecting Relm’s products and underwriting activities and provide practical recommendations to the business.
• Develop and deliver training and guidance to underwriting and other relevant teams on policy wording, coverage and relevant legal or regulatory developments.
• Continuously improve Underwriting Counsel processes and ways of working to provide timely, consistent and commercially effective legal support.

WHAT YOU BRING TO THE TABLE:

• Juris Doctor (JD) from an accredited law school and admission to practice in at least one U.S. jurisdiction in good standing.
• Minimum of 5 years of relevant legal experience, ideally gained in insurance coverage, underwriting counselling, specialty commercial insurance and/or an in-house insurance legal team.
• Strong experience with commercial and/or specialty lines insurance products, coverage and policy wording.
• Demonstrated experience drafting and reviewing policies, endorsements, manuscript language and bespoke coverage solutions.
• Experience working directly with underwriters and translating commercial objectives and underwriting intent into practical legal solutions and effective policy language.
• Strong understanding of insurance coverage principles and the legal and regulatory requirements relevant to insurance products and underwriting activities.
• Strong commercial judgement and the ability to provide clear, practical and solution-oriented advice.
• Excellent drafting, analytical, communication and relationship-building skills.
• Ability to independently manage a varied portfolio of matters, prioritise competing requests and exercise sound judgement about when to seek input or escalate.
• A collaborative, hands-on approach and comfort operating in a fast-paced environment supporting emerging risks, innovative industries and new insurance products.

WHAT WE OFFER:

• Paid Public Holidays: Enjoy ten (10) paid public holidays each year, giving you the opportunity to unwind and recharge.
• Generous Paid Time Off (PTO): You’ll receive 28 days of Paid Time Off (PTO) annually, giving you the flexibility to take care of personal matters, vacation, or sick days.
• Full Health Coverage: The company fully covers your medical, dental, vision, life, and disability insurance to ensure you and your family are well taken care of.
• 401K Program with Company Match: Plan for your future with access to the company’s 401K program, including a 5% company match.
• Professional Development & Mentorship: We invest in your growth through professional development opportunities, training, and mentorship programs, helping you advance in your career.
• Wellness Stipend: Take care of yourself with a monthly wellness stipend to support your health and well-being.
• Commuting & Travel Reimbursement: We offer a commuting reimbursement to help with transportation costs, including parking, making your daily commute easier.
• Wellness Benefits: Stay healthy and active with access to gym memberships, exercise classes, and other wellness perks that promote a balanced lifestyle.
• Your Voice Matters: Work in an environment where your opinions and ideas are valued and play a crucial role in driving the success of our team.
• Endless Growth Opportunities: Enjoy a multitude of career growth opportunities, ensuring that you have the resources to thrive and advance within the company.

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.

WHY YOU’LL LOVE WORKING WITH US:

Relm is a team of innovators redefining what’s possible in insurance.

You’ll work in an environment that encourages curiosity, ownership and new ideas, with the opportunity to help shape products, markets and ways of working rather than simply inherit them.

We invest in our people and give them the support, tools and development they need to do their best work and continue growing with the business.