Senior Underwriter

Why Join Stand: 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, our Stand World Model https://frontier.standinsurance.com/ . We stay when traditional insurers exit. We model what others approximate. And we build systems that change outcomes, not just prices. Leadership: Our leadership team includes former successful founders and CEOs from Metromile, PolicyGenius, WePay, and HotelTonight, bringing deep experience in building and scaling high-growth companies. 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. Role Summary: 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. What You'll Do 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. Core Competencies (Required) 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. Nice-to-Have Skills 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. Core Company Competencies (Required) 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. The annual base salary range for full-time employees in this position is $115,000 to $145,000 + meaningful Equity Grant. Compensation decisions are dependent on several factors including, but not limited to, an individual’s qualifications, location where the role is to be performed, internal equity, and alignment with market data. Benefits: Above-market Health, Dental, and Vision coverage Weekly lunch stipend Flexible time off + holidays 401(k) plan Commuter benefits PAT & MAT Leave Short-Term and Long-Term Disability Monthly team gatherings In-office perks Work Authorization 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. Equal Opportunity Employment Stand is an equal opportunity employer and does not discriminate on the basis of protected veteran status, disability, or other legally protected status. We believe that diversity enriches the workplace, and we are committed to growing our team with the most talented and passionate people from every community. We are committed to providing reasonable accommodations for qualified individuals. If you require assistance Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.