Field based Commercial Underwriter
- NFU Mutual
- Full Time
- Moffat
Job Description
Field based Commercial Underwriter
Commercial Underwriting at NFU Mutual
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.
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. 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
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:
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.
We recognise that some candidates may experience barriers during the recruitment process. So, we encourage candidates to discuss any adjustments or accommodations they need to be the best they can be throughout our recruitment process.
We're proud to be a Disability Confident Employer, a Race at Work and Women in Finance Charter signatory and welcome applications from people of all backgrounds, regardless of age, ethnicity, disability, neurodiversity, gender, religion, marital status, sexual orientation, or socioeconomic background.
Benefits and Rewards
When you join our team, you can expect a supportive culture and an attractive range of rewards and benefits including:
Level 4
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".
Our Gallup Exceptional Workplace 2025 award was not only awarded with Distinction, but it also marked us as the first UK based company to earn a Gallup Exceptional Workplace award for ten consecutive years. We've also been consistently recognised by Glassdoor. We appeared in the Glassdoor Best Places to Work UK list in 2023, 2024 and 2026 — and in 2026, we were the highest ranked insurance business in the UK, highlighting our strong employee experience and the positive feedback our people share on the platform.
Additionally, we were named in the LinkedIn Top 15 Companies 2025 list of "Best midsize employers to grow your career in the UK", and we've been certified as a UK Top Employer by the Top Employers Institute in 2023, 2024, 2025 and 2026.
We offer a supportive and empowering culture where people are inspired to perform, given opportunities to grow, and recognised and rewarded for their contribution. Our people are proud to work for a company that respects them and their communities, and they trust us to be financially sustainable—so we're successful now and in the future.
