Liability Underwriter

NFU Mutual; Stratford-upon-Avon; Hybrid; GBP 41,000 - 50,000; Full time

Benefits offered by this job

Salary

Bonus

Pension

Leave

Family friendly policy

Gym membership contribution

Private medical insurance

Volunteer days

Employee discounts

Life Assurance

Car scheme

Job summary

NFU Mutual is recruiting a Liability Underwriter to manage a portfolio within the Large Corporate Insurance team in the UK. The role offers flexibility with up to four days per week from home, with office days in Stratford-upon-Avon or Bristol, plus monthly Stratford meet-ups to stay connected.

You will own your portfolio, assess risks, negotiate terms and deliver underwriting decisions to support NFU Mutual’s customer-first approach in a supportive team.

Qualifications

• Experience underwriting large commercial liability risks in the UK general insurance market.
• Strong communication skills for building relationships with agents, brokers and clients.
• Desirable to have CII qualification or be working towards it; support available.

Responsibilities

• Own portfolio and lead on select cases.
• Assess risks, negotiate terms and deliver underwriting decisions.
• Build and maintain relationships with agents, brokers, colleagues and clients.

Skills

Problem solving

Collaborative

Strategic thinking

Strong communicator

Education

CII qualification (desirable)

Job description

Liability Underwriter

Join a UK Top Employer offering career development, wellbeing support and an inclusive culture where people can thrive. Join our thriving Large Corporate Underwriting team, backed by NFU Mutual’s long-term stability and GI35 growth strategy, with excellent opportunities to develop. Enjoy true flexibility with up to four days a week working from home, while staying connected with one energising team day in our Stratford‑upon‑Avon or Bristol office — plus one monthly meet‑up in Stratford to collaborate, celebrate wins, and stay part of our vibrant team culture.

About the role

Are you ready to take your career to the next level? NFU Mutual invites you to join our Large Corporate Insurance team, where we safeguard some of the UK’s largest and most intricate corporate clients. Our team manages accounts exceeding £100,000 and drives over £200 million in Gross Written Premium Income, placing you right at the heart of a high-performing and strategically vital area of our business. This is an exciting opportunity to step into a Liability Underwriter role that offers a wealth of variety, challenge, and genuine impact. You’ll benefit from outstanding training, brilliant development opportunities, and a friendly, down-to-earth team culture that makes every day enjoyable.

About you

As a Liability Underwriter, you’ll take ownership of your own portfolio, leading on select cases and shaping outcomes by assessing risks, negotiating terms, and delivering high-quality underwriting decisions that uphold NFU Mutual’s trusted principles and rigorous standards. You will be instrumental in delivering fair outcomes and exceptional service, forging strong relationships with agents, brokers, colleagues, and clients to not only meet expectations, but consistently raise the bar. You’ll bring your expertise into client conversations, supporting agents and brokers in meetings to enhance customer value, strengthen relationships, and uphold NFU Mutual’s reputation as a trusted, customer-first insurer. Internally, this role is known as LCI Underwriter and it offers the chance to be part of a dynamic, supportive environment where your skills and ambition will truly be valued. If you’re ready for a role that rewards dedication and empowers you to make a real difference, we look forward to welcoming you to NFU Mutual. The successful candidate will have experience underwriting large commercial liability risks gained within the UK general insurance market. This could be from an insurer or broker environment. You will be a strong communicator with the ability to build long lasting relationships. You will be able to influence decisions and adapt your communication style to effectively present information to a range of technical and non-technical audiences.

We hope you would also be able to demonstrate the following:

• Strong problem-solving skills
• A collaborative approach and the ability to work well within a team
• A strategic and forward-thinking mindset

Having a CII qualification or working towards would be desirable, however it is not essential and it is something we can support you to achieve should you join our organisation. 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 - Circa £45,000 depending on skill set and 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.
• 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.