Underwriter
Stand, San Francisco, CA, United States
About the Team
We are a team of technologists and insurance industry veterans from companies like SpaceX, Boeing, Metromile, Policygenius, HotelTonight, WePay, Chubb, Pure, and AIG Private Client.
Overview Stand is reimagining high‑net‑worth personal lines insurance for a world where the old playbook doesn’t work. Climate risk is escalating, client expectations are rising, and legacy carriers are retreating or stuck in out‑dated workflows. We combine deep underwriting judgment with modern technology to protect what matters most to our clients.
Location San Francisco and Seattle
Employment Type Full time, On‑site
Department Insurance
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.
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.
What You’ll Own
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.
Grow your assigned book to premium and policy targets while maintaining strict risk quality standards.
Cut quote‑to‑bind time through decisive communication and clear workflows. Hit a 22%+ bind‑to‑quote ratio.
Adopt and help refine our underwriting tools and platforms, identifying repeatable tasks to systematize.
What Makes You Great at This
Deeply curious about people, assets, and emerging risks.
Creative in solving non‑standard risks with bespoke terms and layered structures without sacrificing profitability.
Broker‑obsessed, communicating clearly and explaining the “why” behind your decisions.
Tech‑inclined and naturally ask “Can we systematize this?” when you see repeatable tasks.
Execute with ownership, making timely decisions on complex submissions.
What You Bring
4 years minimum 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.
CPCU, AU, or similar designation (or in progress) preferred.
Compensation Annual base salary range: $125,000 to $175,000 plus bonus and meaningful equity grant. Compensation decisions are dependent on qualifications, location, internal equity, and market data.
Benefits include:
Above‑market Health, Dental, and Vision coverage
Weekly lunch stipend
Flexible time off + holidays
401(k) plan
Short‑term and long‑term disability
Monthly team gatherings
Work Authorization Candidates must be authorized to work in the U.S. Stand does not sponsor new work visas. We consider TN, O‑1A, or H‑1B transfers with three or more years 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, we will consider qualified applicants with arrest and conviction records pursuant to the San Francisco Fair Chance Ordinance.
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Overview Stand is reimagining high‑net‑worth personal lines insurance for a world where the old playbook doesn’t work. Climate risk is escalating, client expectations are rising, and legacy carriers are retreating or stuck in out‑dated workflows. We combine deep underwriting judgment with modern technology to protect what matters most to our clients.
Location San Francisco and Seattle
Employment Type Full time, On‑site
Department Insurance
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.
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.
What You’ll Own
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.
Grow your assigned book to premium and policy targets while maintaining strict risk quality standards.
Cut quote‑to‑bind time through decisive communication and clear workflows. Hit a 22%+ bind‑to‑quote ratio.
Adopt and help refine our underwriting tools and platforms, identifying repeatable tasks to systematize.
What Makes You Great at This
Deeply curious about people, assets, and emerging risks.
Creative in solving non‑standard risks with bespoke terms and layered structures without sacrificing profitability.
Broker‑obsessed, communicating clearly and explaining the “why” behind your decisions.
Tech‑inclined and naturally ask “Can we systematize this?” when you see repeatable tasks.
Execute with ownership, making timely decisions on complex submissions.
What You Bring
4 years minimum 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.
CPCU, AU, or similar designation (or in progress) preferred.
Compensation Annual base salary range: $125,000 to $175,000 plus bonus and meaningful equity grant. Compensation decisions are dependent on qualifications, location, internal equity, and market data.
Benefits include:
Above‑market Health, Dental, and Vision coverage
Weekly lunch stipend
Flexible time off + holidays
401(k) plan
Short‑term and long‑term disability
Monthly team gatherings
Work Authorization Candidates must be authorized to work in the U.S. Stand does not sponsor new work visas. We consider TN, O‑1A, or H‑1B transfers with three or more years 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, we will consider qualified applicants with arrest and conviction records pursuant to the San Francisco Fair Chance Ordinance.
#J-18808-Ljbffr