Underwriter (Austin)

Stand Insurance•Austin, TX

7d•$81,600 - $102,850

About The Position

Stand is building a property protection business that uses physics-based catastrophe modeling and AI to assess property-level risk, automate underwriting, and support mitigation. The Underwriter will execute underwriting strategy for a high-net-worth personal lines book covering complex homes, unique exposures, and catastrophe risks. The role involves working directly with brokers and collaborating with marketing, mitigation, and engineering teams to evaluate challenging risks, structure appropriate terms, and provide responsive service. This is a hands-on role with autonomy and ownership of an assigned book. The Underwriter will make decisions on complex submissions, balance client needs with profitable risk selection, and help improve underwriting tools and workflows while preserving sound human judgment. Candidates must be authorized to work in the U.S.; Stand does not sponsor new work visas, though it may consider certain existing visa statuses or transfers as described in the posting.

Requirements

At least 3 years of underwriting experience in personal lines; high-net-worth or complex property experience is preferred.
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.
Authorization to work in the U.S.; the company does not sponsor new work visas.

Nice To Haves

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

Responsibilities

Underwrite challenging catastrophe-exposed properties, unique collections, and non-standard liability exposures, developing solutions that balance client needs with sound risk selection.
Grow an assigned book to premium and policy targets while maintaining strict risk quality standards.
Improve risk selection through thoughtful terms, appropriate pricing, and decisions about when to decline a risk.
Maintain audit-ready underwriting files with clear documentation and rationale.
Reduce quote-to-bind time on complex risks through decisive communication and clear workflows.
Provide responsive broker service and explain underwriting decisions clearly.
Adopt and help refine underwriting tools and platforms.
Identify repeatable tasks that can be systematized and suggest improvements to risk evaluation, pricing, and service.