Harshita Saini
Liability Underwriter
Jaipur,Rajasthan
Summary
Detail-oriented Liability Underwriter at HDFC ERGO General Insurance Company with one year of experience underwriting complex liability products. Exposure to both central and regional underwriting functions, including product development, risk assessment, reinsurance coordination, and broker and client relationship management. Strong technical grounding in specialty and casualty liability lines. Aiming to leverage underwriting, analytical, and stakeholder management capabilities to pursue future learning and growth opportunities in liability underwriting.
Overview
2
2
years of professional experience
5
5
years of post-secondary education
3
3
Certifications
Work History
Liability Underwriter
HDFC ERGO General Insurance Company
Mumbai
06.2024 - Current
- Underwrite diverse liability products including Commercial General Liability (CGL), Directors & Officers (D&O), Cyber, Crime, Product Recall, Media PI, Miscellaneous PI, and Single Project PI.
- Initially part of the Central Underwriting team, handled:
- Side A D&O product filing.
- Global wordings filling for large corporate clients.
- Content library development for underwriters and operations.
- Transitioned to the Regional Underwriting team to deepen product expertise and perform advanced risk assessments.
- Maintained underwriting trackers and dashboards to drive analytics-based decision-making.
- Regular coordination with reinsurance team for facultative placements on complex risks.
- Worked closely with internal stakeholders — sales, operations, and product teams — and external brokers to close new business and service key accounts.
- Key Skills & Accomplishments:
- Product knowledge and technical underwriting
- Recognized with the 'ACE OF INITIATIVE' Award by team
- Decision-making and risk analysis.
- Successfully driven profitable new business by underwriting tailored liability solutions and collaborating with brokers and internal teams to close strategic accounts
- Successfully led and completed two liability product filing projects within deadlines.
- Operational process improvement and coordination.
Infosec Intern
Care Health Insurance Ltd.
05.2023 - 06.2023
- Worked on VA/PT tools to identify vulnerabilities in servers, networks, and applications.
- Studied potential of AI in future VAPT mechanisms.
Education
PGDM in Insurance & Risk Management - Insurance & Risk Management
National Insurance Academy
Pune 06.2022 - 01.2024
B.Sc. - Mathematics
Sri Bhawani Niketan Girls’ PG College
Jaipur 06.2018 - 09.2021
Skills
- Risk assessment for liability products
- Audit and Compliance
- Stakeholder & Broker Relationship Management
- Flexibility to new challenges
- Effective negotiation skills
- Proficient time management
- Team and Cross Functional Collaboration
- Product Filing
- Microsoft Office Suite (Excel, Word, PowerPoint)
- Content Writing and Video creation
Websites
Certification
Associate – Insurance Institute of India, 2023
Projects And Internship
- Infosec Intern, Care Health Insurance Ltd., 05/01/23, 06/01/23, Worked on VA/PT tools to identify vulnerabilities in servers, networks, and applications., Studied potential of AI in future VAPT mechanisms.
- Academic Research, Cyber Insurance Underwriting in India, Explored underwriting practices and risk variables for cyber policies in the Indian context.
Achievements And Extracurriculars
- Featured speaker in HDFC ERGO’s internal vodcast series ‘MTs Unplugged’, part of the Onetastic platform.
- AIR 5th Rank – National Camp AITSC, New Delhi, 2019
- Volunteered for Social Outreach Campaign, conducted an insurance awareness survey in villages of Pune & a quiz for school children
- Volunteered at Insurance Summit, Swiss Re, NIA, Pune, 2022
- Winner – Mixed Relay, Tug of War, Cricket (NIA Sports Meet)
- Volunteer – Swiss Re Insurance Summit & Village Outreach Survey
- Best Batsman – Women’s Cricket Match, NIA
- Air Pistol Shooting – 2018–19
Positions Of Responsibility
- Class Representative, PGDM Batch, NIA
- Member, Placement Committee, NIA
- Sole Student Representative, Anti-Ragging Committee, NIA
Timeline
Liability Underwriter
HDFC ERGO General Insurance Company
06.2024 - Current
Infosec Intern
Care Health Insurance Ltd.
05.2023 - 06.2023
PGDM in Insurance & Risk Management - Insurance & Risk Management
National Insurance Academy
06.2022 - 01.2024
B.Sc. - Mathematics
Sri Bhawani Niketan Girls’ PG College
06.2018 - 09.2021
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