Rotational Insurance Specialist (RIS)

Palomar; San Diego (CA); Hybrid; USD 60,000 - 70,000; Full time

Benefits offered by this job

Medical benefits

401k with 3.5% employer contributions

PTO + holidays

Professional development assistance

Social events

Job summary

Palomar is seeking recent graduates and early-career professionals to join its Rotational Insurance Specialist (RIS) Program beginning in September 2027. The 18-month path offers five capability-based rotations across Palomar’s departments, with mentor support, learning objectives, and formal feedback.

Rotations include Insurance Execution, Actuarial, Capital Strategy, Digital Insurance & AI, and Product & Portfolio Strategy, designed to accelerate development and prepare for future Palomar

Qualifications

• Bachelor's degree in a relevant field and a genuine interest in developing a career in insurance, risk management, or financial services.
• 0+ years of professional work experience (prior internship experience preferred) and the ability to begin the RIS Program in September 2027.
• Strong academic performance and demonstrated interest in insurance, risk, finance, data, or a related field.
• Curiosity and comfort operating across multiple departments and disciplines.
• Ability and willingness to relocate, if needed, and work in a hybrid environment aligned with the assigned team and rotation schedule (typically 2-3 days onsite per week).
• Professionalism, adaptability, and strong communication skills.
• Actuarial Rotational Program: coursework or demonstrated aptitude in mathematics, statistics, or actuarial science is preferred. Must be taking Actuarial exams to qualify.

Responsibilities

• Building insurance knowledge and exposure across multiple product lines
• Increasing business acumen through interaction with cross-functional teams
• Researching new product opportunities and their financial implications
• Key performance indicator (KPI) development
• Assisting with presentations and report preparation
• Customer account set-up and customer service activities
• At the conclusion of the 18-month program, Palomar determines the department each specialist is most interested in, evaluates performance and prepares a budget review based on that department's needs.
• Permanent placement decisions occur only after all three rotations are complete.

Skills

Relocation willingness

Hybrid environment experience

Education

Bachelor's degree in a relevant field

Job description

Palomar is a rapidly growing and innovative insurer focused on providing specialty insurance to residential and commercial customers.Palomar welcomes the best and brightest to our thriving team. Guided by an entrepreneurial spirit, Palomar is building a dynamic and diverse team.

Join a company built on a culture of agility, innovation and authenticity that delivers peace of mind and protection to individuals and businesses impacted by adversity.

The Details:

At Palomar, our commitment to a fresh perspective on specialty insurance begins with great talent; people guided by an entrepreneurial spirit who bring diverse perspectives to work. We are seeking recent graduates and early-career professionals to join our Rotational Insurance Specialist (RIS) Program beginning in September 2027. The RIS Program offers early-career professionals a structured, 18-month path through one of five capability-based rotational tracks.

The program is designed to accelerate technical and professional development, build durable relationships across departments, and give each participant a well-rounded view of both the insurance industry and Palomar as a company, while creating a qualified, well-prepared pipeline of future Palomar talent.

Rotational Insurance Paths:

• Insurance Execution: Builds end-to-end fluency in how work is prioritized, executed, and translated into disciplined risk selection.

  Department Focus: Underwriting and Operations

• Actuarial Rotational Program: Develops a complete actuarial foundation across data quality, portfolio performance, and forward-looking risk pricing through a three-facet actuarial experience. (Must be sitting for an Actuarial Exam)

  Department Focus: Analytics, Reserving, Pricing

• Capital Strategy: Builds capital fluency through growth strategy, risk transfer, and investment decision-making.

  Department Focus: Reinsurance, Investments, and Corporate Development

• Digital Insurance & AI: Applies automation, data, and technology to redesign work, scale processes, and improve business enablement.

• Product & Portfolio Strategy: Connects risk selection to product design and portfolio-level decisions across the insurance value chain.

What will you do? (Job Duties)

The RIS Program is organized around five capability-based paths, each built from a data-driven analysis of overlap and adjacency across Palomar's departments. Each rotation includes clear learning objectives, a dedicated manager or mentor, and formal performance feedback.

Activities vary by path and rotation, and can include:

• Building insurance knowledge and exposure across multiple product lines
• Increasing business acumen through interaction with cross-functional teams
• Researching new product opportunities and their financial implications
• Key performance indicator (KPI) development
• Assisting with presentations and report preparation
• Customer account set-up and customer service activities
• At the conclusion of the 18-month program, Palomar determines the department each specialist is most interested in, evaluates performance and prepares a budget review based on that department's needs.
• Permanent placement decisions occur only after all three rotations are complete.

What we are looking for: (Experience)

• Bachelor's degree in a relevant field and a genuine interest in developing a career in insurance, risk management, or financial services.
• 0+ years of professional work experience (prior internship experience preferred) and the ability to begin the RIS Program in September 2027.
• Strong academic performance and demonstrated interest in insurance, risk, finance, data, or a related field
• Curiosity and comfort operating across multiple departments and disciplines
• Ability and willingness to relocate, if needed, and work in a hybrid environment aligned with the assigned team and rotation schedule (typically 2-3 days onsite per week).
• Professionalism, adaptability, and strong communication skills
• Actuarial Rotational Program: coursework or demonstrated aptitude in mathematics, statistics, or actuarial science is preferred. Must be taking Actuarial exams to qualify.

We love people who want to:

• Build strong relationships through transparency, trust, and respect for each other.
• Collaborate and celebrate diverse perspectives, promoting inclusivity and equality.
• Zoom in and out between strategic and tactical.
• Demonstrable record of working autonomously and driving progress.
• Be intellectually curious, think creatively, and pragmatic.
• Be hands on with their team and roll up their sleeves.

We love people who want to:

• Build strong relationships through transparency, trust, and respect for each other.
• Work in an agile environment, with a resilient mindset to find creative solutions to challenges.
• Collaborate and celebrate diverse perspectives, promoting inclusivity and equality.
• Do the right thing with strong conviction and integrity.
• Be bold and innovative to help make an impact.
• Demonstrable track record of working autonomously and driving progress
• Be intellectually curious, think creatively, and pragmatic

If you thrive in a dynamic environment, and like working with happy, authentic, talented people, you will enjoy a career with Palomar!

What will you get in return?

• Full Suite of Medical Benefits
• 401k with 3.5% Automatic Fully Vested Employer Contributions
• Competitive PTO + Holiday Program
• Professional Development Assistance
• Regular company-wide social events (even virtually!)

At Palomar, we are committed to diversity, equality and inclusion in all facets of the organization. We have built an open culture that celebrates the diversity of our workforce, while actively championing equality and inclusion practices that make us a company people want to work with and work for.

We believe that diversity, equality and inclusion yields greater organizational creativity and productivity, which helps us serve our customers and partners more effectively. Delivering on our diversity commitment returns greater value to our shareholders and ultimately makes a positive impact to the communities in which we do business and to the people who live in them

#PalomarPride #Insurancejobs #hiring

Accommodations:

Palomar will consider reasonable accommodations to ensure a qualified applicant with a disability can be considered for the position. Palomar will also consider necessary modifications to the physical work environment, or to the way a job is usually performed, so an individual with a disability can perform the essential functions of the position. Additional accommodations will be considered that enable an employee with a disability to enjoy equal benefits and privileges of employment like those that are enjoyed by other employees without disabilities.

For more information about our company, visit us at www.plmr.com. Palomar is an Equal Opportunity Employer.

Pay Range:

$60,000-$70,000 + Bonus Potential & Participation in our Competitive Long-Term Incentive (LTI) Program.

The above pay range is for all US-based roles based on function and level, benchmarked against companies of similar size and scope. To be compliant with local legislation as well as provide greater transparency to candidates, we disclose salary ranges on all job postings regardless of the desired job location. We also offer a competitive annual discretionary bonus program and the opportunity for annual long-term incentive stock grants. In addition, we offer a highly competitive benefits package. Final offer amounts are determined by multiple factors, including candidate experience and qualifications, and may vary from the amounts listed above