Field based Commercial Underwriter - South West patch

Build trusted, long‑term relationships with established Agency partners across the Midlands. Manage complex commercial underwriting cases with real autonomy and technical depth. Field based role with regular travel across Somerset, Devon and Cornwall, as well as up to 2 days per week homeworking.

Commercial Underwriting at NFU Mutual: Our Commercial Underwriting division has a clear roadmap for digital development that supports our commercial growth objectives and opens exciting opportunities to contribute more value-added activities. Our 280-strong team of dedicated commercial underwriting professionals work on a diverse portfolio of accounts, ranging from new business and development underwriting right through to renewals, mid-term adjustments, and onsite underwriting opportunities. They understand that effective underwriting involves not only assessing risk but also delivering underwriting solutions that support our customers' ever-changing and evolving insurance needs.

About the role: As a Field based Commercial Underwriter at NFU Mutual, you’ll play a key role in supporting our Agency Network by providing expert underwriting insight, guidance and decision making across a broad portfolio of commercial insurance risks (including property and casualty lines of business, with premiums from £35K to >£100K). You’ll work closely with Agents across your patch, spending around two to three days a week on‑site, and the remainder working from home. This role focuses entirely on existing business, allowing you to develop deep, long term relationships and provide consistent, high quality underwriting support.

Working as part of a national team of experienced underwriters, you’ll review and evaluate complex commercial risks, negotiate policy terms within your authority and support large account reviews. You’ll also act as a trusted adviser to Agents, helping to strengthen underwriting capability, improve technical knowledge and support strong customer outcomes. NFU Mutual will support you with a structured induction, specialist underwriting training and ongoing peer support.

About you: You are an experienced commercial underwriter with a strong track record of handling complex and technical insurance cases. You bring confidence in your decision making, enjoy building professional relationships and are comfortable working independently across a wide geographical area. So to recap, to join NFU Mutual, you’ll need to bring:

• Proven experience in commercial underwriting, including dealing with complex and higher value risks (i.e., up to £100k premiums)
• Strong technical knowledge across a range of commercial insurance products and underwriting principles including Property and Casualty lines of business
• Experience of working closely with stakeholders, influencing decisions and providing expert guidance
• Confidence analysing performance, identifying trends and supporting continuous improvement
• Relevant insurance qualifications (such as CII), or significant progression towards them

At NFU Mutual, we support an inclusive workplace and value all the differences that make us unique. We celebrate the creativity and innovation that comes from diverse perspectives and experiences and share a common vision of doing the right thing for our customers and employees.

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 £55,000
• 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 £500 bonus scheme
• Life Assurance cover of 4 x salary
• Employee discounts of 15% on a range of NFU Mutual insurance policies.
• Salary sacrifice employee car scheme - subject to eligibility

Working at NFU Mutual: We’re one of the UK’s leading general insurance and financial services organisations, and for over 110 years we’ve put our customers at the heart of everything we do. Our people are just as important to us, so we’re proud to be recognised as “a great place to work”.