Field based Commercial Underwriter

Field based Commercial Underwriter

• 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 Warwickshire, Worcestershire, Staffordshire and the West Midlands, as well as up to 2 days per week homeworking

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. Our close partnership with the NFU Mutual Agency Network across the UK enhances our capacity, enabling us to serve our customers effectively and provide the right insurance solutions to protect their livelihoods.

This distinctive aspect of our approach sets us apart from other insurers and is the cornerstone of our continued success.

Being a great place to work is at the heart of our company strategy, and while farming insurance remains a key priority, our focus is on commercial growth. By working in collaboration with our underwriting teams across the business and continually developing your skills, you could play a pivotal role in contributing to our future. Now is the time to join us.

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 £35 K to >£100 K).

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. As the team continues to evolve, the role also offers exposure to wider underwriting activity and future opportunities across NFU Mutual.

This is a field‑based role covering a Midlands patch – including agencies in Warwickshire, Worcestershire and Staffordshire – so a full current driving licence is a requirement.

This role is known internally as:
Onsite Underwriter

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.

• Proven experience in commercial underwriting, including dealing with complex and higher value risks (i.e., up to £100 k 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…