Underwriter

Stand Insurance•San Francisco, CA

6d•$96,000 - $121,000

About The Position

Stand is building a global property protection platform that uses physics and AI to model catastrophic risk at the individual-property level and automate underwriting and mitigation. The company is reimagining high-net-worth personal lines insurance by combining underwriting judgment with modern technology to protect clients amid escalating climate risk and changing expectations. The Underwriter will execute underwriting strategy for a high-net-worth personal lines book covering complex homes, unique exposures, and catastrophe risks. Working directly with brokers and internal marketing, mitigation, and engineering teams, this person will evaluate complex submissions, structure creative terms, and deliver a responsive broker experience. The role offers hands-on underwriting autonomy, ownership of an assigned book, and the opportunity to shape how technology improves underwriting while preserving human judgment.

Requirements

At least 3 years of personal lines underwriting experience.
Strong understanding of risk analysis, property and liability coverages, pricing, and compliance.
Track record of managing a profitable book while delivering excellent broker service.
Ability to negotiate quote terms with internal and external stakeholders and build collaborative relationships.
Efficient and effective desk management.
Proficiency with technology, ability to adapt quickly to new platforms and tools, and ability to identify process-improvement opportunities.
Property & Casualty License or Excess and Surplus License.

Nice To Haves

Underwriting experience with high-net-worth or complex property risks.
CPCU or similar designation, completed or in progress.

Responsibilities

Underwrite a high-net-worth personal lines book, including complex homes, unique exposures, and catastrophe risks.
Develop creative, solution-oriented approaches that balance client needs with sound risk selection, including bespoke terms and layered structures where appropriate.
Grow the assigned book to premium and policy targets while maintaining strict risk quality standards.
Improve risk selection through thoughtful terms, appropriate pricing, and sound decisions about when to decline risks.
Maintain audit-ready underwriting files with clear documentation and rationale.
Reduce quote-to-bind time on complex risks through decisive communication and clear workflows.
Deliver responsive service and build broker satisfaction by explaining decisions and finding solutions where appropriate.
Adopt and help refine underwriting tools and platforms; identify repeatable tasks to systematize and improve risk evaluation, pricing, and service.
Manage a desk efficiently and negotiate quote terms with internal and external stakeholders.