Micro Insurance Head of Insurance and Warranty Wordings


About Us

Building a global insurance safety net that is simple, easy to understand, and accessible to all.

Micro Insurance Company (MIC) is a full stack technology focused insurance company. MIC has brought together sales, distribution, product and technology to focus on new insurance opportunities coming from the new digital economy for billions of people and millions of micro and small businesses globally. MIC provides insurance to internet platforms, millions of micro & small businesses. At MIC, we are changing the insurance business. We are constantly working to create insurance policies that do exactly what insurance is supposed to do – provide a safety net to help people recover quickly from problems large and small. Over the last 300 years, insurance has not done such a great job of this, globally few people buy and it’s seen as complicated, expensive and untrustworthy.

We are dedicated to changing this perception of insurance, and we are doing this through our actions. So far, we have issued over 3 million policies in 15 countries, and we are not slowing down anytime soon. We believe recovering from adversity should not be a privilege for only the wealthy and the few, which is why we are committed to distributing insurance to the world's low and middle-income people and micro businesses. To make insurance accessible, we are often required to solve complex problems. Every country we operate in requires different solutions that are unique to that region. Thus, we have created and implemented many innovative financial services which are distributed through e-commerce partners and platforms, banks, mobile networks and mobile wallets.

At MIC, we pledge to share our skills and ideas to enable other insurance companies to grow their own businesses and to reach more people. We believe together, we can reach 4 billion people.

Role Description

As part of the MIC Senior Management team and as the Head of Insurance and Warranty Wordings you will be responsible for developing and managing policy wordings, underwriting terms and conditions, reinsurance agreements, and retrocession agreements for MIC globally. You will work closely with the Underwriting leadership team to ensure wording is appropriate and in line with the intention of coverage as well as also protects MIC. You will collaborate with clients and insurance partners to ensure their support of the wordings globally.

This role provides scope for involvement in different aspects of insurance, whether that be overseas risks, client meetings, wordings, product development, design, and claims discussions.


  • Review, draft and negotiate the content of contract wordings and related supporting documentation to ensure the terms clearly reflect the coverage.
  • Provide high-level support across the group to ensure that the business’ written and cover purchased meets market requirements and is cognisant with the boundaries of the group’s risk appetite and strategy.
  • Communicate and disseminate information internally, interact with and solicit support from other areas of the business, particularly underwriting, claims, finance, compliance and operations.
  • Maintain awareness of market trends and issues and to reach agreement as per company requirements.
  • Mentor and support underwriters on contract wording issues.
  • Participate in external working parties and interact with market bodies, attend internal and external meetings and actively engage with peers in the market to keep improving standards.
  • Awareness of and contribution to the delivery of the MIC business plan, making decisions as appropriate.
  • Contribute and participate in all relevant meetings, in order to share and develop strategy, knowledge and best practice
  • Positively promote MIC to maximize brand leverage
  • Assist in the assessment of opportunities to formulate wordings that can profitably enable new business.

You'll also get a chance to be part of

Global team expansion: Building up a world-class team of talented and passionate people.


  • Knowledge and experience in contract wordings, preferably gained within a (re)insurance company or broking environment.
  • High level of attention to detail
  • Enthusiasm and willingness to challenge both internally and externally.
  • Ability to negotiate, influence and effectively disseminate knowledge and articulate opinion, whilst maintaining awareness of commercial environment.
  • Self-motivated with the ability to work on own initiative and as part of a team.
  • Proactive approach to work with the capability to plan, prioritise and handle workload to ensure expectations of stakeholders are effectively managed.


  • 25 days holiday + bank holidays
  • Share Option Scheme
  • Bonus scheme
  • You will be working for a company that has talented colleagues and has a passionate focused culture
  • Extensive potential for growth and professional development
  • Key member of the underwriting organisation

Role reports into:

EVP, Head of Underwriting

Paige Stiefel | LinkedIn

Management Team


Edwin Harrell | LinkedIn

Investor & CEO

Harry Croydon | LinkedIn


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