Field based Commercial Underwriter

Location: West Midlands

# Field based Commercial Underwriter Region:
Midlands

Location:

Midlands Region Contract type:
Permanent Reference number: CSDI
04407

Working pattern:
Full-time (Part-time hours considered)
Salary:
Competitive annual salary + 17.5% annual bonus + benefits package

Closing date: 3rd November 2026

Apply now## Field based Commercial Underwriter
* Build trusted, long-term relationships with up to five established NFU Mutual offices across the Midlands, including Warwickshire West Central - one of our largest businesses, approaching £31 million in scale and continuing to grow  
* Take ownership of complex commercial underwriting cases, with the autonomy, technical depth and influence to deliver strong customer outcomes and help drive NFU Mutual’s commercial growth plan
* Field based role (including company car or allowance) with regular travel across the
** West Midlands**,
** Warwickshire, Staffordshire and Oxfordshire,
** as well as up to 2 days per week homeworking## About the role

As NFU Mutual accelerates its commercial market growth through a clear 10-year plan, you’ll be part of an exciting and important chapter in our future. As a
** Field based Commercial Underwriter,
** you’ll play a key role in driving this ambition by working closely with our Agency Network and providing expert underwriting insight, guidance and decision-making across a diverse portfolio of commercial risks. You’ll help retain valued customers, strengthen portfolio performance and identify sustainable opportunities for growth - making a direct contribution to the long-term success of our commercial business.  By building trusted relationships with up to five established Agency partners across the Midlands and developing a genuine understanding of their customers’ businesses, you’ll deliver high-quality underwriting solutions and positive, long-term outcomes.

Our partnership with the Agency Network enables us to offer a personal, face-to-face service and is a distinctive part of what sets NFU Mutual apart, contributing to the trusted reputation that saw us named
* Which? Insurance Brand of the Year 2025
* for the fourth consecutive year.  Working as part of a national team of experienced underwriting professionals, you’ll review complex property and casualty risks, negotiate policy terms within your authority, support large account reviews and help strengthen technical capability across the Agency Network. You’ll have the opportunity to influence the continued evolution of a commercial portfolio that is critical to NFU Mutual’s future, supported by a structured induction, specialist underwriting training and ongoing peer support.

* This role is known internally as:
Onsite Underwriter*## About youYou 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 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  
* Full current driving licence required.  
* At NFU Mutual, we support an inclusive workplace and value all the differences that…