Home Based Commercial Insurance Underwriter

About the role  Our Commercial SME Underwriter is responsible for evaluating, analysing, and approving insurance applications for SMEs. This role involves assessing the risk associated with underwriting policies, ensuring that they meet Superscript’s risk appetite, and maintaining profitability while delivering excellent customer service. Our underwriter will collaborate with brokers and other stakeholders to develop customised insurance solutions that meet the needs of SME clients. Evaluate and analyse insurance applications from SMEs to determine the risk level and appropriate premium pricing. This includes reviewing financial statements, industry classifications, loss history, and other relevant data. Underwrite new and renewal SME commercial insurance policies in line with company guidelines, ensuring compliance with regulatory requirements and internal standards. Approve or decline insurance applications based on risk assessment, underwriting guidelines, and company policy. Monitor and manage the performance of the SME insurance portfolio to ensure profitability and growth. Adjust underwriting strategies based on market trends, loss ratios, and emerging risks. Collaborate with the product team to create or modify insurance products tailored to the SME market. Work closely with other underwriters, claims adjusters, and the sales team to ensure a seamless underwriting process and to share knowledge and best practices. 3-5 years experience in commercial underwriting, preferably within the UK SME market. Experience with various lines of business, including commercial combined, property & liability. ~ Strong analytical and numerical skills, with the ability to assess risk and make informed decisions. Proficiency in underwriting software and tools. ~ High level of accuracy and attention to detail, particularly in documentation and data analysis. ~ A competitive salary and the ability to grow your career at the UK’s leading Insurtech ~ 25 days holiday - so there’s plenty of time for work, rest and play ~ Hybrid way of working for the perfect work / life balance ~ Vitality private health and dental insurance ~ Great pension (up to 10% on top of your salary) ~ Full access to  Spill , our mental health platform ~ Cycle to work scheme ~ Latest Apple tech gear & everything you need to be set up for success ~ Fun, modern and informal office environment with regular team social events ??? ~