Senior Commercial Portfolio Underwriter in Cardiff

Commercial insurance is changing, and we're building something different.

At Admiral Business, we're creating a modern, data-led Commercial proposition that combines underwriting expertise, technology and customer insight to deliver better outcomes for brokers and customers alike.

As a core member of our Underwriting team, you'll partner closely with Pricing, Product and Data to shape underwriting strategy, influence product development and drive profitable portfolio growth.

This isn't a traditional underwriting role focused solely on individual risks.

You'll take ownership of portfolio performance, help define our underwriting appetite and play a key role in building a scalable Commercial proposition from the ground up.

Why this role matters

We're not just growing a Commercial portfolio-we're building the future of Commercial insurance at Admiral.

As a core member of our Underwriting team, you'll help shape the decisions that define our products, underwriting strategy and long-term growth.

By partnering with Pricing, Product and Data, you'll turn insight into action, balancing technical underwriting expertise with commercial thinking to create better outcomes for our customers, brokers and the business.

You’ll have the opportunity to influence far more than individual risks, helping build a smarter, more scalable underwriting capability that will support Admiral Business for years to come.

• What you'll be doing
• Own the performance of a portfolio of UK Commercial Combined business, balancing growth, profitability and customer outcomes. (Primarily across Property & Casualty lines)
• Shape underwriting appetite, referral strategies and portfolio governance.
• Partner with Pricing to refine rating models, optimise pricing and improve portfolio performance.
• Work alongside Product to evolve our Commercial proposition, influencing product design and coverage enhancements.
• Use underwriting data, claims insight and market trends to identify opportunities and support strategic decision-making.
• Build and develop strong relationships with regional brokers, driving profitable and sustainable growth.
• Act as a technical expert within the team, supporting colleagues and helping to embed underwriting best practice.
• Help build a scalable, data-led underwriting capability that supports Admiral's long-term ambitions in the Commercial market.

About you

You're more than an experienced Commercial Underwriter.

You're commercially curious, enjoy solving complex problems and want to play a key role in shaping the future of Commercial insurance.

You’ll bring

• Proven experience underwriting UK Commercial business, ideally across Commercial Package and/or SME products.
• Strong technical knowledge across Property & Casualty risks, with exposure to Professional Indemnity being an advantage.
• Experience working with Pricing, Data or Portfolio teams to analyse performance and inform underwriting strategy.
• Excellent underwriting judgement, balancing risk, pricing and commercial outcomes.
• A strong understanding of portfolio management and how underwriting decisions influence growth and profitability.
• Experience building and managing broker relationships.
• A good understanding of FCA regulation and the UK Commercial insurance market.
• Strong organisational skills, with the ability to manage multiple priorities.
• The confidence to thrive in a fast-paced, evolving environment where you'll have genuine ownership and autonomy.

Why Admiral Business?

Commercial insurance has remained largely unchanged for years. At Admiral Business, we’re doing things differently.

We’re combining the strength and stability of one of the UK’s leading insurers with the pace, ambition and mindset of a business that’s building for the future.

By bringing together underwriting expertise, technology, data and customer insight, we’re creating a smarter Commercial proposition that’s designed around better outcomes for brokers, customers and our people.

Joining Admiral Business means becoming part of a collaborative team where expertise is valued, curiosity is encouraged and everyone has the opportunity to make an impact.

Whether it’s building stronger broker relationships, using insight to influence commercial decisions or helping develop the next generation of our Commercial proposition, you’ll see the impact of your work every day.

What you'll get in return

We believe exceptional people do their best work when they're trusted, supported and rewarded.

Alongside a competitive salary, you'll receive a benefits package designed to help you grow your career, share in our success and maintain a healthy work‑life balance.

Highlights include

• A generous share scheme, giving you the opportunity to become a shareholder and share in Admiral's success.
• 33 days' holiday (including bank holidays), increasing with service, plus the option to buy or sell up to five additional days.
• Ongoing learning and development, leadership programmes and opportunities to grow your career across Admiral Group.
• Flexible hybrid working, with most colleagues spending one or two days a week in our Central Cardiff office.
• A people‑first culture recognised as a Great Place to Work for more than 25 years, including awards for Wellbeing and Women.

To explore our full range of benefits, including wellbeing support, healthcare, family‑friendly policies and financial benefits, visit our Benefits Page.

Disability Confident Leader

As a Disability Confident Leader, for candidates with a disability or long‑term health condition, that opt into the Disability Confident scheme, we’ll invite a fair and proportionate number of applicants that meet the essential requirements of the role to the first stage of our selection process.

If you need any adjustments or support with your application or during the recruitment process, just let us know.

Please do email Daniel.

Cavill@admiralgroup. co. uk or contact us on 07502 959750.

This number is dedicated to supporting candidates that require reasonable adjustments or support during the application process.

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