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Kajal Patel

@kajalpatel3

Property Underwriting Manager at Brown & Brown, overseeing three MGA schemes and contributing to income growth across Real Estate products.

United Kingdom
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At Brown & Brown (Europe) Holdco Limited, I oversee profitability, strategy and governance across three MGA schemes. I manage broker and capacity partner relationships and negotiate new products for launch.

In this role, I’ve contributed to income growth across the schemes, including nearly 7% growth in income in a soft market. I also review management information, pricing models and policy wordings to support underwriting performance.

At RSA Insurance Group, I underwrote new and existing Property Owners and Blocks of Flats business, managed key accounts and delivered technical training to underwriters. I exceeded my new business target before the end of the year and was nominated by peers for a Spotlight award for Excellence.

Earlier, at Zurich Insurance and AXA Insurance, I underwrote Real Estate and Property Owners business, including niche portfolios and specialist covers. I delivered underwriting training, supported broker relationships and contributed to portfolio growth and technical work.

Experience

Work history, roles, and key accomplishments

BL

Property Underwriting Manager

Brown & Brown (Europe) Holdco Limited

Jul 2025 - Jul 2026 (1 year)

Overseeing profitability, strategy and governance over 3 MGA schemes, managing key brokers and capacity partner relationships, and delivering new products. Achieved nearly 7% growth in income despite a soft market and doubled new business transactions in January 2026 compared to 2025.

RSA Insurance Group logoRG

Senior Trading Underwriter

RSA Insurance Group

Mar 2022 - Jul 2025 (3 years 4 months)

New and existing business underwriter for Property Owners and Blocks of Flats business, managing key accounts and trading with brokers. Delivered technical training, exceeded new business targets, and was nominated for a Spotlight award for Excellence.

Zurich Insurance logoZI

G3 Real Estate Trading Underwriter

Aug 2016 - Mar 2022 (5 years 7 months)

Main new business underwriter for Real Estate business, focusing on high to mid-market sector and niche portfolios. Delivered rate and target year on year, won a Legend award in 2021, and mentored underwriters on technical and trading skills.

AXA Insurance logoAI

Real Estate Underwriter

May 2007 - Aug 2016 (9 years 3 months)

Real Estate underwriting focusing on niche products for Property Owners, including liability, management liability, engineering, terrorism, legal expenses, and contract works. Managed portfolio premiums from £10,000 to £2million+, and served as Terrorism, Renewal, and Charity Champion.

Education

Degrees, certifications, and relevant coursework

Chartered Insurance Institute logoCI

Chartered Insurance Institute

Cert CII, Insurance

Cert CII Qualified.

University of Westminster logoUW

University of Westminster

Diploma, Biochemistry

Diploma of Biochemistry.

Tech stack

Software and tools used professionally

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