Underwriter

Stand Insurance•San Francisco, CA

5d•$125,000 - $175,000•Hybrid

About The Position

At Stand, you’ll help build a new class of global property protection. We use advanced physics and AI to model catastrophic risk at the asset level, then automate underwriting and mitigation before loss occurs. Insurance is simply the current delivery mechanism. The real product is a scalable risk engine. We stay when traditional insurers exit. We model what others approximate. And we build systems that change outcomes, not just prices. Background: The property insurance industry is built to price loss after it happens. It relies on coarse proxies, backward-looking data, and manual processes, then accepts damage as unavoidable. Stand takes a different approach. We simulate how real-world catastrophes affect individual properties, translate that into actionable decisions, and automate the business around it. The result is a platform that can underwrite what others can’t and operate with far less friction. What We're Building Stand is reimagining high-net-worth personal lines insurance for a world where the old playbook doesn't work anymore. Climate risk is escalating, client expectations are rising, and legacy carriers are retreating or stuck in out-dated workflows. We're building the carrier that actually solves hard problems—combining deep underwriting judgment with modern technology to protect what matters most to our clients. This isn't about moving paper faster. It's about being the underwriter brokers want to work with on their toughest risks, the one who asks better questions, finds creative solutions, and builds a book that's both profitable and resilient. The Role You'll be executing our underwriting strategy for a high-net-worth personal lines book—complex homes, unique exposures, CAT risks that make other carriers nervous. You'll work directly with brokers and our marketing, mitigation, and engineering teams to evaluate risks others won't touch, structure creative terms, and deliver an experience that makes us the easiest carrier to work with This is hands-on underwriting with real autonomy. You'll own your book, make decisive calls on complex submissions, and help shape how we leverage technology to get better at the craft without losing the human judgment that matters.

Requirements

5+ years of underwriting experience in personal lines, preferably HNW or complex property risks
Strong understanding of property valuations and liability exposures
Track record of managing a profitable book while delivering excellent broker service
Comfort with technology and willingness to adapt to new platforms and tools

Nice To Haves

CPCU, AU, or similar designation (or in progress) preferred

Responsibilities

Become the underwriter brokers call when they have a challenge—CAT-exposed properties, unique collections, non-standard liability exposures. Develop creative, solution-oriented approaches that balance client needs with sound risk selection, and share your wins and tough calls with the team so we all get sharper.
Grow your assigned book to premium and policy targets while maintaining strict risk quality standards. Demonstrate improved selection through thoughtful terms, appropriate pricing, and knowing when to walk away. Keep underwriting files audit-ready with clear documentation and rationale.
Cut quote-to-bind time, especially on complex risks, through decisive communication and clear workflows. Earn top-tier broker satisfaction by being more responsive and easier to work with than any other carrier they use. Hit a 22%+ bind-to-quote ratio by being the underwriter who finds solutions.
Adopt and help refine our underwriting tools and platforms. Identify repeatable tasks that should be systematized so you can focus on what requires judgment, and push us to continuously improve how we evaluate, price, and service risks.