SME Insurance Underwriter - Cardiff

Working hours: This role is available on a part-time, job-share or full-time basis (Monday to Friday).

Location: Cardiff (Hybrid working, minimum 50% office based).

Closing date for applications: 18th March 2026.

The opportunity: Join our growing team and help shape the future of UK small and medium-sized businesses. As an SME Insurance Underwriter, you’ll work closely with broker partners to deliver insurance solutions that support the backbone of our economy—businesses providing everyday products and services. We’re looking for people with some insurance experience to join a team that’s passionate about putting customers first. Our goal? To deliver high-quality, innovative solutions that exceed expectations and set us apart from the rest. You’ll receive full training and ongoing support to help you thrive in your role. From day one, you’ll feel part of a team that values collaboration, creativity, and a shared commitment to doing what’s right for our customers. Many of our employees work flexibly in a variety of different ways, including part-time, flexible hours, job share, an element of working from home or compressed hours. This is because we want the best people for our roles, and we recognise that sometimes those people aren’t available full-time. Please discuss flexibility in interview.

Key responsibilities:

• Analysing and underwriting new and existing business for SME clients.
• Building relationships with brokers and intermediaries through live chat, phone calls, and our trading platform.
• Providing an outstanding service experience for both customers and stakeholders.
• Managing your own workload while supporting your colleagues to achieve team goals.
• Taking ownership for delivering quality, timely insurance solutions.
• Sharing your ideas for improvement—your feedback helps us work smarter and more efficiently.
• Adapting to change and thinking on your feet in a fast-paced environment.

What we’re looking for:

• Knowledge or understanding of underwriting.
• Strong analytical and critical thinking skills to assess risks and make sound underwriting decisions.
• Excellent communication skills and confidence in making decisions.
• A keen eye for detail and a willingness to challenge processes to improve outcomes.
• Flexibility to adapt your approach to different situations and workloads.
• Strong organisational skills—the ability to prioritise and keep the customer at the heart of everything you do.
• A team player who’s ready to learn, grow, and support others.

Benefits: Everyone’s different. That’s why at Zurich, we offer a wide range of employee benefits so our people can choose what fits them and their life. Our benefits provide real flexibility so our people can make considered choices and tailor their benefits throughout the year.

Financial benefits:

• 12% defined non-contributory pension scheme.
• Annual company bonus.
• Income protection.
• Life cover – four times your salary.

Time away and paid leave:

• 28 days holiday a year plus bank holidays.
• Option to swap UK bank holidays for days off that have cultural or religious significance.
• Option to buy up to an additional 20 days or sell some of your holiday.
• Three days paid volunteering.
• Up to 16 weeks’ full pay for maternity, paternity and adoption leave.

Health & wellbeing benefits:

• Private medical insurance.
• Virtual GP appointments.
• Discounted gym membership.
• Free flu jab.
• Access to a wealth of support from our wellbeing partners.

Corporate social responsibility: Zurich Community Trust has awarded grants and volunteered time to deserving causes in the UK valued at over £90 million. We are the first insurer to sign the ‘UN Business Ambition for 1.5˚C’ pledge.