“Price the cold store renewal” is a commercial property underwriter job simulation on FinderK.
You work at Harrowby Mutual Insurance, an original fictional company, and complete 3 assignments in about 75 minutes.
It is for anyone who wants to practice commercial property underwriter work. No previous work experience is required.
Role
Commercial property underwriter
Industry
Insurance underwriting
Level
Intermediate
Time
About 75 minutes, 3 assignments
Access
Included in Plus
Created by
FinderK
A loyal cold store client wants to renew at last year's price with its sprinkler discount, but the survey found burning foam panels in the roof and the backup sprinkler pump has failed. Rate it by the guide, refer it, and hold firm terms with a broker who says a rival is waiting.
Read the full brief
You are a commercial property underwriter at a mutual insurer. A cold store near Hull renews in two weeks. The new survey found combustible foam panels across part of a roof and a failed diesel sprinkler pump, the claims record has a large ammonia loss, and the broker wants last year's price, the sprinkler discount and no new conditions, with a competitor in the background. You rate the risk, write the referral and recommend terms, then finalise the quote when the sprinkler repair slips. Automated checks confirm your figures and saved work; your judgement is reviewed against the standard for the role.
What is Harrowby Mutual Insurance?
Harrowby Mutual Insurance is a fictional mutual insurer with a commercial property book that includes cold stores and food warehouses. This case is the renewal of Polar Gate Cold Storage, a 31.4 million pound cold store risk near Hull, due on 1 November 2026. It runs from Monday 19 to Friday 23 October 2026. Amounts are in pounds. The underwriter rates, recommends and quotes within the guide; the senior underwriter decides referred risks.
Who do you play?
You are the commercial property underwriter in the Commercial property team.
You rate and quote property risks with a total sum insured up to 25 million pounds within the underwriting guide. Larger risks and anything the guide says must be referred go to Rosalind Turner with your recommendation. You may not apply a discount the risk does not qualify for, remove a loading or change a condition to match a competitor.
Gavin Doherty, account executive, Marlow and Finch Insurance Brokers
These coworkers are fictional. They may make mistakes, so compare their suggestions with the evidence.
Frequently asked questions
How long does “Price the cold store renewal” take?
About 75 minutes, across 3 assignments. When the time is up, you get 10 minutes to round up and submit. Pausing stops the clock.
Is “Price the cold store renewal” free?
No. It is included in FinderK Plus. With a free account you can also do it without grading.
Do I need commercial property underwriter experience?
No. No previous work experience is required. The listed level is intermediate.
What do I get when I finish?
You get feedback on each assignment you submit. Completing all required assignments earns a completion certificate. It records participation and is not professional accreditation.
Is Harrowby Mutual Insurance a real company?
No. Harrowby Mutual Insurance is an original fictional company made for practice. Its coworkers may make mistakes, so check their suggestions against the evidence.
Payroll closes at noon tomorrow. Check a week of extra hours against timesheets, approvals and the policy, answer a worried colleague honestly, and give your manager the exceptions she must decide.
Skills: Check extra hours against timesheets, approvals and policy; Calculate normal and time and a half pay correctly; Explain held pay honestly to the person affected; Keep decisions within payroll authority and escalate the rest
A photographer has sent a year of spending with her own notes on what counts as business. Sort each item under the firm's expenses guide, ask her the right questions, and hold the rules kindly when she pushes for a holiday and cash wages to count.
Skills: Classify expenses as allowable, mixed use, capital or not allowable; Apply the mileage rule without double counting; Ask a client clear questions for missing evidence; Explain a rule to a client who disagrees
Twelve expense claims sit in your sample. Test each against the client's policy, tell control deviations from misstatements, query the client without accusing anyone, and project what you found to the whole year.
Skills: Test transactions against a client policy, attribute by attribute; Tell a control deviation from a misstatement; Query a client for evidence without accusing anyone; Project sample errors and compare them with audit thresholds
A well run bakery wants a loan for a second oven and a bigger overdraft. The reported figures pass the bank's tests easily. Normalise them, test the request against the credit policy, find a structure that works and hold the line when a contract arrives that does not count.
Skills: Normalise a business's earnings for one-off items; Test a lending request against a credit policy; Recommend a structure that meets policy without losing the customer; Judge whether new evidence changes a credit decision