Development Underwriter

Nfu Mutual; Thurso; Remote; GBP 66,000 - 80,000; Full time

Benefits offered by this job

Annual bonus up to 17.5%

Pension scheme up to 20%

25 days annual leave + holidays

Family Friendly policy

Employee savings & discounts

Gym contribution

Health and wellbeing plan

Volunteering opportunities

Life assurance 4x salary

Employee discounts 15%

Job summary

NFU Mutual is seeking a Development Underwriter to collaborate with our General Insurance Sales Force and Service Centre, driving new business and gross written premium across mid-market property and liability. The role is homebased with travel 2–3 days per week in the North West, building pipelines and underwriting a personal caseload with our Agency Network and Sales teams.

You will be a technical leader, delivering underwriting strategy, risk appetite and first‑class service.

Qualifications

• Property & Liability Commercial underwriting experience within the mid-market space.
• Experience of successfully building and managing relationships.
• Confident communicator with experience of leading and influencing discussions and decisions with integrity.
• Development Underwriting experience/Proven business development experience (desirable).
• Dip CII or equivalent qualification (desirable).

Responsibilities

• Underwrite new mid-market business with property and liability exposure.
• Develop new business pipelines with NFU Mutual Agency Network.
• Attend client visits and manage personal caseload.
• Provide technical underwriting direction and risk appetite.
• Collaborate with cross-divisional teams to identify opportunities.

Skills

Mid-market underwriting

Relationship building

Clear communicator

Development underwriting

Education

CII Dip or equivalent

Job description

Development Underwriter

• Join a cross-class team with strong commercial growth aspirations and act as a key point of technical excellence

• Are you currently working as a New Business Underwriter looking for that next step or to further your Commercial Insurance Underwriting experience?

• This is a field based role covering the North West

About the role

We currently have an exciting opportunity for a Development Underwriter to work with our General Insurance Sales Force and Service Centre to help drive the identification and acquisition of new business, gross written premium across mid-market commercial including property and liability business. 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.

Working in partnership with our tied Agency Network and Sales teams in the North West, you’ll support the development of new business pipelines, attend client visits as required, gain increased exposure and develop your experience and understanding of various risks, whilst underwriting your own personal caseload.

You’ll be a key point of technical excellence to the Agency Network and Sales Force, providing clear direction on NFUM Underwriting strategy, Risk Appetite and the technical knowledge and skills to deliver objectives, KPI’s and first-class customer service.

Using your market knowledge and expertise, you’ll apply a ‘whole account’ underwriting philosophy, working in collaboration with cross-divisional teams and supporting with the identification of new mid-market opportunities.

The role is homebased and it is expected that the successful candidate will be on the road on average 2-3 days per week, covering the North West.

About you

If you’re a self-starter with extensive new business Commercial Underwriting experience, this is a great opportunity for you to join a business that will value you, and where you can really make a difference and contribute to its’ development. A well organised individual with excellent prioritisation skills you’ll be able to provide strong examples of pragmatic and logical thinking. You’ll also have;

• Property & Liability Commercial underwriting experience within the mid-market space

• Experience of successfully building and managing relationships

• Confident communicator with experience of leading and influencing discussions and decisions with integrity

• Development Underwriting experience/Proven business development experience (desirable)

• Dip CII or equivalent qualification (desirable)

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

• Salary up to £73,000

• Annual bonus (up to 17.5% 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 - volunteer in the community for one day each year

• Unlimited access to Refer a Friend £500 bonus scheme

• Life Assurance cover of 4 x salary

• Employee discounts of 15% on a range of NFU Mutual insurance policies.

• Salary sacrifice employee car scheme - subject to eligibility

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 2026 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 eleven 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 Companies 2026 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.