Property and Liability Underwriter

Job Description

Property and Liability Underwriter

• NFU Mutual is a UK Top Employer that truly puts people first, offering strong career development, comprehensive wellbeing support, and a supportive, inclusive culture where employees feel valued, empowered, and able to thrive


• Become part of a thriving team specialising in Large Corporate Underwriting cases, supported by the long‑term stability and clear strategic direction of NFU Mutual’s GI35 plan, a 10‑year growth strategy that strengthens our foundations, drives innovation, and creates exceptional opportunities for you to grow, develop, and be part of an exciting journey of future expansion.


• 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 powerhouse 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 Property 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.

As a Property 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.

About you

The successful candidate will have experience underwriting Commercial Property 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.

The successful candidate will have experience underwriting Commercial Property 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

When you join our team, you can expect a supportive culture and an attractive range of rewards and benefits including:

• Salary up to £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 - 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 companies. For over 110 years we’ve put our customers at the heart of everything we do. Our people are just as important to us.

We pride 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.