Senior SME Underwriter

Admiral Business sit within the Admiral Group, and are the experts in business insurance, offering SME insurance for tradespeople, professionals, and couriers. They build products and services that put their customers’ first, combining agility with reliability to deliver innovative products and superior customer experience to the under-served SME market across the UK.

About the Role:

Are you ready to shape the future of SME insurance? An exciting
opportunity has arisen in Admiral Business for a SME Proposition Underwriter.
Reporting to the Head of Insurance for Admiral Business, you will play a critical role in owning the management and delivery of multiple key projects whilst working with our partners helping contribute to the strategic growth and financial success of our unique insurance propositions.

This is a pivotal moment to become part of Admiral Pioneer. We are accelerating the growth of our SME business with ambitious plans and a clear strategic roadmap for the next few years. You’ll be joining at a time
when your skills and expertise will directly shape the future of our SME start-up business with ambitions to redefine the commercial insurance landscape for our customers. We distribute through a mix of affiliate partners, brokers, and direct channels, meeting customers where they are and how they prefer to buy.

Your responsibilities extend beyond traditional Underwriting. This role requires an open-minded strategic thinker with a strong background in insurance. You’re not just assessing individual risk but influencing the entire SME insurance strategy. You’ll be a key voice in shaping product development, guiding decision-making on underwriting strategy, and driving portfolio-level performance to deliver profitable growth. The successful candidate will ensure the customer remains at the heart of what we do and creating a culture that delivers against our customer purpose of trust, value and ease.

What You’ll Do

• Shape the Strategy: Define and evolve our SME portfolio with a growth-focused mindset.
• Lead from the Front: Be a trusted voice in high-level decisions on product, risk appetite, and innovation.
• Own the Portfolio: Identify market opportunities and ensure resilience and balance.
• Be the Technical SME: Provide guidance across the business on underwriting best practices.
• Build Better Products: Create and refine policy wordings that are clear, compliant, and customer-first. Our future product roadmap will be shaped by customer needs, data insights, and bold innovation.
• Ensure Compliance: Collaborate with governance teams to meet all regulatory standards.
• Boost Performance: Spot and implement process improvements that enhance efficiency.
• Use Data Wisely: Leverage analytics to support strategic decision-making.
• Set the Rules: Develop flexible underwriting rules and guidelines aligned with our goals.
• Champion the Culture: Promote collaboration, innovation, and a customer-focused approach.

What You Bring

• Deep knowledge of property and liability underwriting, including SME Package insurance and portfolio management
• Strategic and analytical thinking with proven commercial impact
• Experience creating and managing underwriting frameworks and guidelines
• A collaborative, forward-looking approach
• Confidence in fast-paced, ever-evolving environments
• Passion for innovation and delivering standout customer value

Why You? Why Now?

Because you’re not here to follow—you’re here to collaborate and lead. You want to help shape something from the ground up. You want to be part of a team redefining what SME insurance can be.

Admiral: Where You Can

We take pride in being a diverse and inclusive business. It's a place where you can Be You, and show up as you are. We’re committed to fostering a people-first culture where everyone is accepted, supported, and empowered to be brilliant. You can, Grow And Progress at a pace and direction that suits you, Make A Difference for our customers and each other, and Share in Our Future with all colleagues eligible for up to £3,600 of free shares each year after one year of service.

Everyone receives 33 days holiday (including bank holidays) when they join us, increasing the longer you stay with us, up to a maximum of 38 days (including bank holidays). You also have the option to buy or sell up to an additional five days of annual leave.

We’re proud of our people-first culture. In fact, we've been recognised as a Great Place to Work for Women, a Great Place to Work for Wellbeing, and an overall Great Place to Work for over 25 years! We’re fully committed to making sure your progression is not slowed or halted by barriers related to race, gender, age, sexuality or any of the protected characteristics.

Our fantastic benefits make sure our colleagues have a great work-life balance; You can view some of our other key benefits here.

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