Lead Commercial Combined Underwriter in Witham

Who are we

At Specialist Risk Group (SRG), we specialise in delivering expert risk solutions for complex, high-stakes challenges across a range of sectors. From insurance and professional indemnity to bespoke risk management services, our work demonstrates both precision and adaptability, reflecting our commitment to helping clients navigate even the most demanding scenarios. Our dedication to excellence and innovative thinking underpins everything we do. Guided by our mantra, “Difficult. Done Well.”, we tackle challenges that others shy away from, delivering solutions that are both robust and forward-thinking. Powered by a team of highly skilled specialists, we combine deep industry knowledge with strategic insight to turn complex problems into practical, actionable solutions. We work closely with our clients, understanding their ambitions and risks, to provide tailored strategies that support growth, resilience, and long-term success. With a focus on collaboration, expertise, and precision, SRG shapes the way organisations manage risk—transforming complexity into opportunity and helping clients achieve outcomes they can rely on.

About The Role

We’re looking for a proactive, analytical, and commercially minded Lead Commercial Combined Underwriter to join our team in Witham. This role will focus on underwriting Commercial Combined risks, driving profitable growth, and strengthening broker partnerships across the SME and mid-market segments. You will take ownership of underwriting new business, renewals, and MTAs while ensuring consistency, technical accuracy, and outstanding broker service. This role offers the opportunity to influence underwriting strategy, support product development, and shape the performance of the Commercial Combined portfolio.

What you will be doing

• Underwriting Commercial Combined risks, including Property, Business Interruption, Liability, and associated cover extensions.
• Quoting and handling new business, renewals, and MTAs.
• Building and nurturing strong broker relationships.
• Negotiating terms, cover, and price.
• Conducting risk analysis using financial, claims, and survey information.
• Supporting cross-selling opportunities.
• Collaborating with Underwriting, Product, and IT teams.
• Assisting in mentoring junior underwriters.
• Monitoring market and competitor activity.

Who we are looking for

We’re looking for someone with solid underwriting experience and a collaborative mindset. You’ll be confident working independently and enjoy building broker relationships.

You’ll Need

• Strong experience underwriting Commercial Combined risks across SME and/or mid‑market business.
• Technical knowledge across Property, Business Interruption, Liability.
• Understanding of underwriting principles and risk selection.
• Knowledge of compliance and regulation.
• Excellent communication and negotiation skills.
• Strong time‑management abilities.

What you will get

• 25 days holiday plus an extra half-day off to celebrate your birthday month.
• Company pension scheme to help secure your future.
• Private medical cover for peace of mind.
• Life insurance, income protection and sick pay to support you when you need it.
• Charity and volunteering days so you can give back to causes you care about.

What to expect

At SRG, our colleagues are at the heart of everything we do. We pride ourselves on fostering an inclusive, respectful culture, one where people feel empowered, valued, and equipped for growth. We embrace new ideas, adapt to challenges, and celebrate shared success. We’re committed to making our recruitment process and workplace accessible to everyone. If you have a disability or require any adjustments, whether during the hiring process or in your day-to-day role, we’ll work with you to ensure you have the support you need. Just let us know how we can help.