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- Tasks: Support NFU Mutual Agents across Scotland by underwriting commercial risks and negotiating accounts.
- Company: Join NFU Mutual, a leading insurance provider with over 110 years of customer-focused service.
- Benefits: Enjoy a salary up to ÂŁ55,000, annual bonuses, flexible work options, and extensive benefits.
- Why this job: Be part of a supportive culture that values diversity and offers career growth opportunities.
- Qualifications: Experience in commercial underwriting and strong communication skills are essential; ACII level 3 is desirable.
- Other info: This role includes travel across Scotland with a company car or allowance.
The predicted salary is between 39600 - 77000 ÂŁ per year.
Remote | Permanent, Full-time (Part-time hours considered) | Up to ÂŁ55,000 + 17.5% annual bonus + benefits package
Making sure you fit the guidelines as an applicant for this role is essential, please read the below carefully.
About the role
In this role, you will provide dedicated support to a panel of NFU Mutual Agents across Scotland, specifically in the following locations: Stirling, Perth, Strathaven, Lanark, Edinburgh, and the Borders (Newtown St Boswells and Duns). You’ll be responsible for underwriting a portfolio of commercial combined risks, leveraging your technical expertise to negotiate large commercial account reviews and connected portfolios. By collaborating with Subject Matter Experts as needed, you’ll deliver compelling, market-leading propositions to our customers. Working closely with Agents, you’ll aim to maximise profitable growth opportunities, influence performance, and support them in achieving excellent underwriting results. Your first six months will focus on learning, supported by our career development framework, with training provided in agricultural knowledge and other areas as required. Following this, you’ll progress to agency visits, build your portfolio, and manage increasingly complex cases. This is a home-based role with regular travel to Agents. The frequency of visits will vary based on monthly needs, allowing you to plan in advance and maintain control over your schedule for a positive work-life balance.
About you
We are seeking a dynamic insurance professional with extensive commercial underwriting experience. You’ll have a successful track record of managing more complex and technical cases across a range of commercial insurance products and will be able to demonstrate your ability to effectively coach and guide others. It’s important that you possess exceptional communication skills with proven experience of building effective and lasting working relationships, with the confidence to challenge decisions and influence. You’ll also be able to demonstrate the following:
- Effective negotiation skills to engage with stakeholders, facilitate successful outcomes, and confidently manage discussions on complex accounts
- Hold a UK driving licence and be comfortable travelling to agency sites when required
- Have completed or be working towards level 3 ACII (desirable)
Benefits and Rewards
When you join our team, you can expect a supportive culture and an attractive range of rewards and benefits including:
- Salary of up to ÂŁ55,000 depending on skill set and experience
- Annual bonus (up to 17.5% of salary)
- Contributory pension scheme, up to 20%, including your 8% contribution
- 25 days annual leave + bank holidays + buy/sell/save holiday trading scheme
- A Family Friendly policy that helps you balance your work and family responsibilities
- Access to savings at High Street brands, travel and supermarkets
- £20 contribution to a monthly gym membership – subject to T&Cs
- Health and wellbeing plan - cashback for dentist, opticians, physio and more
- Access to voluntary benefits, including health assessments, private medical insurance and dental insurance
- Employee Volunteering - volunteer in the community for one day each year
- Unlimited access to Refer a Friend ÂŁ500 bonus scheme
- Life Assurance cover of 4 x salary
- Employee discounts of 15% on a range of NFU Mutual insurance policies
Working at NFU Mutual
We’re one of the UK’s leading general insurance and financial services companies. For over 110 years we’ve put our customers at the heart of everything we do. Our people are just as important to us. We pride ourselves on being “a great place to work” and our Gallup Exceptional Workplace 2025 award was not only awarded with Distinction but also named us as the first UK-based company to receive a Gallup Exceptional Workplace for ten years in a row. We were also named in the LinkedIn Top 25 Companies List 2021, the Glassdoor Best Places to Work UK List 2023 and 2024, and were recognised as a certified UK Top Employer by the Top Employers Institute in 2023, 2024 and 2025. We offer a supportive culture where we empower and inspire our people to perform, offer them opportunities to grow, and recognise and reward their contribution. Our people are proud to work for a company that respects them and their communities, and they trust us to be financially sustainable, so we are successful now and in the future.
Field-based Commercial Underwriter employer: NFU Mutual
Contact Detail:
NFU Mutual Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Field-based Commercial Underwriter
✨Tip Number 1
Familiarise yourself with NFU Mutual's values and mission. Understanding their commitment to customer service and community involvement will help you align your responses during interviews, showcasing how you can contribute to their goals.
✨Tip Number 2
Network with current or former employees of NFU Mutual, especially those in underwriting roles. They can provide valuable insights into the company culture and expectations, which can help you tailor your approach when discussing your experience.
✨Tip Number 3
Prepare to discuss specific examples of your negotiation skills and how you've successfully managed complex accounts in the past. This role requires strong communication and influencing abilities, so having concrete stories ready will demonstrate your fit for the position.
✨Tip Number 4
Since this role involves extensive travel, be ready to discuss your flexibility and organisational skills. Highlight any previous experiences where you effectively managed a busy schedule while maintaining high performance in your work.
We think you need these skills to ace Field-based Commercial Underwriter
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your commercial underwriting experience and any relevant qualifications, such as ACII. Use specific examples to demonstrate your successful track record in managing complex cases.
Craft a Compelling Cover Letter: In your cover letter, express your enthusiasm for the role and the company. Mention how your skills align with the job requirements, particularly your negotiation skills and ability to build relationships with stakeholders.
Showcase Your Communication Skills: Since exceptional communication is key for this role, consider including examples of how you've effectively communicated with clients or colleagues in previous positions. This could be in your CV or cover letter.
Highlight Your Flexibility and Travel Readiness: As this position requires regular travel, make sure to mention your willingness and ability to travel to agency sites. If you have a UK driving licence, include this information prominently.
How to prepare for a job interview at NFU Mutual
✨Know Your Underwriting Basics
Brush up on your commercial underwriting knowledge, especially regarding combined risks. Be prepared to discuss your experience with complex cases and how you've successfully managed them in the past.
✨Demonstrate Your Negotiation Skills
Prepare examples of how you've effectively negotiated with stakeholders. Highlight specific instances where your negotiation led to successful outcomes, particularly in challenging situations.
✨Showcase Your Communication Abilities
Since this role requires building strong relationships with agents, be ready to discuss how you’ve fostered effective communication in previous roles. Use examples that demonstrate your ability to influence and challenge decisions when necessary.
✨Familiarise Yourself with the Company Culture
Research NFU Mutual’s values and commitment to inclusivity. Be prepared to discuss how your personal values align with theirs and how you can contribute to their supportive culture.
