Property & Casualty Underwriter

Job Description

Property & Casualty Underwriter

• Join NFU Mutual’s Head Office Underwriting team at an exciting time of portfolio diversification, in a role which can be offered as either a permanent position or a fixed term contract

• Help shape our Property & Casualty underwriting strategy, thanks to your excellent knowledge in this area

• Hybrid working on offer – spend up to 80% of your time working from home, with 20% office attendance at any of our UK sites - Stratford-upon-Avon, Bristol, York, Glasgow or Belfast

About the role

NFU Mutual’s Head Office Underwriting Department are pleased to share the opportunity for an experienced professional to join them as a Property & Casualty Underwriter.

This role can be offered as either a permanent position, or a fixed term contract for 12 months, depending on candidate preference.

You will recommend and develop our underwriting strategy for our Property & Casualty Insurance offering, establishing appropriate rules, terms and risk features that will enable the delivery of profit and growth objectives whilst effectively managing insurance risk in line with the overall underwriting strategy.

You will engage in portfolio analysis and account performance management, working closely with key stakeholders to help set the parameters for growth targets and define the organisation’s risk appetite. The role also involves translating underwriting appetite into practical rules, processes and communications for NFU Mutual Agents and Underwriters, enabling the effective execution of risk appetite and optimising sales channel performance.

In addition, you will review and provide expert judgement on risk rates to ensure that rates and rating logic are informed by deep insurance and market knowledge, as well as collate and analyse management information to identify opportunities to improve underwriting strategy

You will ultimately play an instrumental role in ensuring the business is well positioned to meet both current and new business requirements.

This role is known internally as: Class Underwriter - Line of Business.

About you

We are seeking an experienced insurance professional with a strong background in Property and/or Casualty (P&C) Underwriting, who will bring a strategic mindset and deep understanding of the P&C insurance market, alongside strong technical capability and sound underwriting judgement. You will be an effective communicator, able to adapt your communication style to suit both technical and nontechnical audiences and be able to build and maintain impactful working relationships across the business.

You will also be proactive and comfortable working under your own initiative, with the ability to influence, negotiate and collaborate effectively with a wide range of stakeholders. You will also demonstrate strong strategic thinking and experience leading key pieces of work, including delivering initiatives from concept through to completion.

A high level of data literacy is essential, with the ability to translate data and management information into clear, actionable insights that support underwriting strategy and business objectives. An ACII qualification would be advantageous but is not essential for the role.

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 of up to £60,000


• 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 2025 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 ten 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 15 Companies 2025 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.