Commercial Underwriter

NFU Mutual; Bristol; Hybrid; GBP 40,000 - 45,000; Full time

Job summary

A leading insurance company in Bristol seeks a Commercial Underwriter to manage complex policies and collaborate with agents. The role involves managing renewals, resolving complex referrals, and ensuring effective insurance risk management. Candidates should have strong communication skills and experience in a regulated environment. The position offers a salary up to £45,000 and an attractive benefits package including hybrid working options.

Benefits

Salary up to £45,000

Annual bonus up to 10%

Contributory pension scheme

25 days annual leave plus bank holidays

Family Friendly policy

Gym membership contribution

Health and wellbeing plan

Life Assurance cover of 4 x salary

15% employee discount on insurance policies

Qualifications

• Experience in Commercial Underwriting within a regulated environment.
• Ability to establish strong working relationships.
• Resilient individual with confidence to challenge and influence.

Responsibilities

• Manage complex renewals and existing Estate book.
• Resolve complex referrals and manage insurance risk.
• Collaborate with agents to provide effective solutions.

Skills

Customer-focused mind

Attention to detail

Effective communication skills

Ability to make rational decisions

Policy document review experience

Complex Commercial Underwriting experience

Job description

Commercial Underwriter

• Opportunity to be part of a National Commercial Underwriting function
• Receive ongoing training, career progression and personal growth
• Hybrid 80% homeworking available and 20% from our office in Bristol

About the role

We have an exciting opportunity for a diligent General Insurance professional to join our Mid Corporate and Estates team, The Mid Corporate team handle Commercial, Farm and Motor Trade policies over £35k and all Estate policies for renewals and mid-term adjustments. As part of the Commercial Underwriting department, we typically deal with the larger more complex renewals, alongside managing the entire existing Estate book. We believe that commercial business presents our biggest growth opportunity over the longer term and this is an opportunity to be an integral part of that growth.

Here at NFU mutual, we operate with a unique model of a tied agency network. Our NFU Mutual agencies are the vital day-to-day link with our customers and, as an Underwriter, you'll build strong relationships and work collaboratively with our Agents, resolving complex referrals and ensuring effective management of the insurance risk cost whilst delivering the right solution and service for our members.

We provide a comprehensive induction to the role and to make sure you get the most out of this, you will need to be able to commit to being in the office more frequently for the first 6 months. Following your induction, you will receive ongoing training which will support your career progression and personal growth.

Working hours

35 hours per week, Monday – Friday with shifts between the hours of 8am and 6pm.

About you

You’ll be a Commercial Underwriting professional with varied experience of complex and technical cases within a regulated environment including working within Authority.

You’ll be a resilient individual and able to demonstrate effective communication skills which will enable you to establish strong working relationships with key stakeholders across the business, with the ability and confidence to challenge and influence where necessary.

To join our team, you’ll also have :

• A customer-focused mind, with strong attention to detail
• The confidence to work in a regulated environment
• The ability to make rational and logical decisions in a fast-paced environment
• Policy document review experience
• Complex and Technical Commercial Underwriting experience in the insurance industry

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 expecta supportive cultureandanattractive range ofrewards and benefitsincluding :

• Salary up to £45,000 depending on experience
• Annual bonus (up to 10% of salary)
• Contributory pension scheme, up to 20%, including your 8% contribution
• 25 days annual leave + bank holidays + buy / sell / save holiday trading scheme
• A Family Friendly policy that helps you balance your work and family responsibilities
• Access to savings at High Street brands, travel and supermarkets
• £20 contribution to a monthly gym membership – subject to T&Cs
• Health and wellbeing plan- cashback for dentist, opticians, physio and more
• Access to voluntary benefits, including health assessments, private medical insurance and dental insurance
• Employee Volunteering - volunteerin the community for one day each year
• Unlimited access to Refer a Friend £500 bonus scheme
• Life Assurance coverof 4 x salary
• Employee discounts of 15% on a range of NFU Mutual insurance policies.

Working at NFU Mutual

We’reone of the UK’s leading general insurance and financial services companies. For over 110 yearswe’veputour customers at the heart of everything we do.Ourpeopleare just as important to us.

Wepride ourselves on being “a great place to work” and our Gallup Exceptional Workplace 2025 award was not only awarded with Distinction but also named us as the first UK-based company to receive a Gallup Exceptional Workplace for ten years in a row. We are also the only Insurer to feature in the LinkedIn Top 15 Companies 2025 list of ‘Best midsize employers to grow your career in the UK’, the Glassdoor Best Places to Work UK List 2023 and 2024, and were recognised as a certified UK Top Employer by the Top Employers Institute in 2023, 2024 and 2025.

We offer a supportive culture where we empower and inspire our people to perform, offer them opportunities to grow, and recognise and reward 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 are successful now and in the future.