Underwriter (Chicago)

Stand Insurance•Chicago, IL

3d•$81,600 - $102,850

About The Position

Stand is building a technology-enabled property protection business that models catastrophic risk at the individual-asset level and automates underwriting and mitigation. The Underwriter will execute underwriting strategy for a high-net-worth personal lines book, including complex homes, unique exposures, and catastrophe risks. This hands-on role involves direct work with brokers and internal marketing, mitigation, and engineering teams to assess challenging risks, structure creative terms, and provide a responsive service experience. The Underwriter will own an assigned book with autonomy, make timely decisions on complex submissions, and balance client needs with sound risk selection and profitability. The role also contributes to improving underwriting technology, workflows, and repeatable processes while preserving the judgment needed for individualized risk decisions.

Requirements

At least 3 years of personal lines underwriting experience.
Strong understanding of risk analysis, property and liability coverages, pricing, and compliance.
A 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

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 creative solutions that balance client needs with sound risk selection.
Grow an assigned book to premium and policy targets while maintaining risk quality and profitability through thoughtful terms, appropriate pricing, and disciplined decisions.
Keep underwriting files audit-ready 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 being easy to work with and explaining underwriting decisions.
Adopt and help refine underwriting tools and platforms.
Identify repeatable tasks for systematization and improve how risks are evaluated, priced, and serviced.