Senior Field Commercial Underwriter – Midlands Autonomy

Lawes Consulting Group; West Midlands; On-site; GBP 50,000 - 80,000; Full time

Job summary

Undisclosed Insurer is seeking an experienced Field-Based Commercial Underwriter to support their Midlands agency network. The role offers autonomy across a broad commercial portfolio including property and casualty risks with premiums from £35k to over £100k.

The ideal candidate will build deep relationships with partners, assess and negotiate complex risks, and contribute to underwriting profitability through portfolio analysis and technical guidance.

Qualifications

• Experience handling complex, higher-value commercial risks including premiums up to £100k.
• Strong knowledge of underwriting principles across a broad range of products.
• Ability to influence agents and brokers with expert guidance.
• Experience reviewing portfolio performance and identifying trends.

Responsibilities

• Build long-term relationships with Midlands partners as underwriting expert.
• Review and decide on complex commercial risks, negotiating policy terms.
• Support partners to improve underwriting knowledge and standards.
• Lead large account reviews and analyze portfolio performance.

Skills

Complex high-value commercial risks

Underwriting principles across product

Influencing agents/brokers

Portfolio performance analysis

Job description

A highly regarded insurer is seeking an experienced Field-Based Commercial Underwriter to support their established agency network across the Midlands. Focused entirely on existing business, this is a technically demanding role offering genuine autonomy across a broad commercial portfolio – including property and casualty risks with premiums from £35k to over £100k.

Responsibilities

• Build deep, long-term working relationships with partners across your Midlands patch, acting as the primary point of underwriting expertise and support.
• Review, evaluate, and make decisions on complex commercial risks, negotiating policy terms across property and casualty lines.
• Support partners in strengthening their underwriting knowledge and capability, contributing to improved technical standards and consistent customer outcomes.
• Lead and contribute to large account reviews, analyse portfolio performance, identify trends, and support continuous improvement across the book.

Qualifications

• Proven track record handling complex, higher-value commercial risks including premiums up to £100k, ideally within property and casualty lines.
• Strong understanding of commercial insurance underwriting principles across a broad range of products and risk types.
• Comfortable working closely with agents and brokers, influencing decisions, providing expert guidance and building trusted professional relationships.
• Confidence in reviewing portfolio performance data, identifying trends and recommending improvements to support underwriting profitability.

Required Skills

• Proven track record handling complex, higher-value commercial risks including premiums up to £100k, ideally within property and casualty lines.
• Strong understanding of commercial insurance underwriting principles across a broad range of products and risk types.
• Comfortable working closely with agents and brokers, influencing decisions, providing expert guidance and building trusted professional relationships.
• Confidence in reviewing portfolio performance data, identifying trends and recommending improvements to support underwriting profitability.

If you have the relevant experience or know someone who does, please contact me now on 07889672926 or email us at [e-mail].