Senior Underwriter

Stand Insurance•, FL

5d•$115,000 - $145,000•Onsite

About The Position

Stand is seeking a Wind States Underwriter to own risk selection, pricing, and portfolio management for a high-net-worth personal lines book of business with a strong emphasis on wind-exposed risks. This individual will combine underwriting expertise, creativity, and sound judgment to deliver profitable growth while providing an exceptional broker and client experience. The ideal candidate is a curious, solutions-oriented underwriter who enjoys tackling complex risks, collaborating across teams, and leveraging technology to continuously improve underwriting outcomes. They are decisive, relationship-driven, and energized by building a modern underwriting operation in a fast-growing environment.

Requirements

Strong personal lines underwriting experience, preferably within high-net-worth or specialty property insurance.
Demonstrated ability to assess and structure complex risks while balancing growth and profitability.
Excellent judgment and decision-making skills in ambiguous or non-standard underwriting situations.
Strong broker relationship management skills with a reputation for responsiveness and professionalism.
Exceptional communication skills, including the ability to explain underwriting decisions and tradeoffs clearly.
Highly organized with the ability to manage multiple priorities and submissions simultaneously.
Comfortable adopting new technology, underwriting platforms, and evolving workflows.
Collaborative, team-oriented mindset with a strong sense of ownership and accountability.
Ownership: Takes ambiguous problems from idea to execution with minimal direction and strong follow-through.
Urgency: Moves quickly, prioritizes effectively, and maintains momentum without over-processing decisions.
Technology & AI Fluency: Leverages modern tools, automation, and AI to improve productivity, decision-making, and customer outcomes.
Candidates must be authorized to work in the U.S. Stand does not sponsor new work visas. We can consider candidates on TN visas, O-1A visas, or H-1B transfers with three years or more remaining.

Nice To Haves

Experience underwriting high-net-worth homeowners business.
Expertise in catastrophe-exposed property risks, particularly wind.
Familiarity with mitigation strategies, property engineering, or climate-related risk assessment.
Experience working in an MGA, insurtech, or other high-growth insurance environment.
Demonstrated track record of process improvement or technology adoption within underwriting organizations.

Responsibilities

Underwrite and manage a portfolio of high-net-worth personal lines business, with a focus on wind-exposed properties and complex risks.
Evaluate submissions, determine risk acceptability, structure coverage terms, and establish pricing consistent with underwriting guidelines and authority.
Develop creative solutions for non-standard risks while maintaining profitability and portfolio quality.
Partner closely with brokers to provide fast, clear, and consultative underwriting decisions.
Collaborate with mitigation, engineering, product, and commercial teams to improve risk selection and customer outcomes.
Maintain high-quality underwriting documentation and audit-ready files.
Manage portfolio performance against premium, policy count, profitability, and risk quality objectives.
Champion new underwriting tools, workflows, and technology-enabled improvements that enhance efficiency and decision quality.
Contribute underwriting insights that help evolve Stand's appetite, guidelines, and operating model.