Underwriting
Always about making the right decision for the customer
Supporting the Agency Network
At NFU Mutual, we run a unique tied Agent model and have over 200 agencies within our UK-wide NFU Mutual Agency Network. These agencies are the vital day-to-day link with our customers. The close partnership our underwriters have with the Agency Network enhances our capacity, enabling us to serve our customers effectively and provide the right insurance solutions to protect their livelihoods. This distinctive aspect of our approach sets us apart from other insurers and is the cornerstone of our continued success.
Developing your career
At NFU Mutual, we encourage continuous development via formal programmes, on-the-job learning, and opportunities for shadowing, with coaching and mentoring available to support career progression. New commercial underwriters benefit from a comprehensive induction and ongoing training through the Underwriting Academy, which combines classroom learning, interactive sessions, and practical experience to build technical and professional skills.
All our underwriters regularly complete technical and regulatory eLearning modules to ensure compliance, and those aspiring to leadership or specialist roles can access advanced programmes focused on decision-making and coaching. You’ll also find a strong culture of internal mobility, secondment opportunities, and support for further qualifications, all within a collaborative environment that values personal growth and team development.
What you could be working on
Whichever Underwriting team you join, you'll play an important role in maintaining NFU Mutual's reputation as a fair and reliable insurer. You could be involved in:
Controlling and managing insurance exposure and risk to create sustainable, profitable growth.
Protecting the business and our customers from potential fraud.
Providing Underwriting Service to our Agents and members, going home knowing what you’ve done today could make a real difference if the worst happens.
Helping to keep us on track to hit our financial plans.
Meet some of the team
Liv Pratt, New Business Commercial Underwriter
I joined NFU Mutual four years ago as a Commercial Underwriter in the New Business team. From day one, I’ve been building my expertise in assessing and managing risk for a wide range of businesses. My role is all about analysing complex information, ensuring policies truly meet customers’ needs, and supporting Agents and colleagues in delivering outstanding service. Over time, I’ve developed a deep understanding of underwriting and the importance of balancing risk with customer care - a skill that’s at the heart of what we do. What makes NFU Mutual special is its genuine commitment to integrity and building long-term relationships. It feels good to be part of a team that truly puts customers first. There are also plenty of opportunities across the business to keep developing, whether you want to grow in your current role or try something new. It’s a genuinely supportive environment where everyone encourages each other and wants to see others succeed.
Lucy Francis, Underwriter (Bespoke and High Net Worth)
Working in High Net Worth, it’s all about using my expertise to support Agents in our UK-wide Agency Network, so they can pass on that knowledge to our customers. For example, I’m really interested in art and jewellery and love getting to see our customers’ collections, hearing the stories behind them all and making sure we provide the best insurance solution for them. I started my career at NFU Mutual, but left to be a broker. I soon came back! When I was a broker, I felt really isolated with no support, but here, everyone works so well together. That makes a massive difference.
Andrew Tippett, Regional Senior Technician (Underwriting)
Having returned to NFU Mutual for a third time after working with various insurers, I can confidently say that nowhere else matches the unique atmosphere here. My working week is varied, with responsibilities ranging from handling complex case referrals to delivering training, coaching, and mentoring to underwriters, and contributing to broader business projects. What I enjoy most is supporting colleagues as they develop their underwriting skills and seeing them progress and secure increased authority or new roles. The business is constantly evolving, and there are plenty of opportunities for growth within the technical career path—one I would highly recommend to others.
Hayley Alcock, Mid-Corporate and Estates Underwriter
No two days are the same on the Mid-Corporate and Estates Underwriting team. I joined NFU Mutual from a specialist insurer just over a year ago to expand my underwriting knowledge and gain exposure to new areas. It has definitely been the right move. Our team, based in York and Bristol, is exceptionally open and supportive. We handle a wide range of products and risks, but what truly sets NFU Mutual apart is the autonomy and trust given to underwriters. While there are manuals to guide your initial thinking, you’re encouraged to apply your own rationale and judgement, knowing your decisions will be supported. This variety not only makes the work engaging but also empowers you to take charge of your own development and deepen your understanding - qualities that make NFU Mutual a genuinely welcoming place to grow your career.
Simon Mayo, LCI Underwriting Team Manager
I joined NFU Mutual in 2001 and remember thinking the people were very open, honest and friendly. They were clearly proud of the business. Since I joined, I’ve had lots of support from the people around me – managers, coaches and colleagues across the business. This has enabled me to move from underwriting roles into team leading and now management. The culture here is about performance, giving everyone the opportunities to do their best and achieve their goals. I’ve always been able to challenge myself and increase my knowledge by taking on new responsibilities outside my role to prepare me for my next one.
Current vacancies
Here are just some of the vacancies that we currently have in Underwriting. Simply, click on the job title to find out more.
You can see all the jobs we have available by clicking the ‘See all jobs’ button. But don’t forget, if you can’t find your perfect job right now, you can 'Register for job alerts' or ‘Make a speculative application’. That way, we’ll get in touch when a relevant job does come up.
If you have any questions about the opportunities that we have available, or if there's anything else you'd like to know before you apply (or indeed during the application process), please don't hesitate to get in touch.