Senior Underwriter

Arbol; New York (NY); On-site; USD 120,000 - 190,000; Full time

Benefits offered by this job

Health benefits

401(k) match

Flexible PTO

Job summary

Arbol, a global climate risk coverage platform, is hiring a Senior Underwriter in the United States to evaluate, price, and bind property and weather-related risks, with a focus on wildfire. You will manage submissions from first look through bind, collaborating with brokers, data science, and capacity partners.

This role requires strong property cat risk understanding, data-driven pricing, and a license in Property & Casualty (or intent to obtain within 90 days); you’ll help shape underwriting

Qualifications

• 4+ years of experience in commercial property underwriting or related roles.
• Solid understanding of catastrophe exposure and its impact on pricing and capacity.
• Experience in E&S lines and working with wholesale brokers.
• Comfort with data, cat model output, and pricing tools; strong Excel skills.
• Sound judgment on risk selection and the ability to decline or restructure non-fit business.
• Clear written and verbal communication with brokers and internal teams.
• Active Property & Casualty license or willingness to obtain within 90 days of hire.

Responsibilities

• Underwrite insurance and reinsurance submissions, including risk selection and aggregate management.
• Grow the commercial book in admitted and surplus lines with a focus on parametric exposures.
• Develop market distribution channels and broker relationships.
• Review and price submissions for property, catastrophe, and parametric risks within authority.
• Collaborate with data science to use catastrophe models and exposure analytics in pricing.
• Structure parametric triggers, limits, and payout terms.

Skills

Commercial property underwriting

Catastrophe exposure

Excel

Data-driven pricing

Python/SQL familiarity

Education

Property & Casualty license

Tools

Verisk

Moody's RMS

Pricing tools

Python

SQL

Job description

Arbol is a global climate risk coverage platform and FinTech company offering full-service solutions for any business looking to analyze and mitigate exposure to climate risk. Arbol’s products offer parametric coverage which pays out based on objective data triggers rather than subjective assessment of loss. Arbol’s key differentiator versus traditional InsurTech or climate analytics platforms is the complete ecosystem it has built to address climate risk. This ecosystem includes a massive climate data infrastructure, scalable product development, automated, instant pricing using an artificial intelligence underwriter, blockchain-powered operational efficiencies, and non-traditional risk capacity bringing capital from non-insurance sources. By combining all these factors, Arbol brings scale, transparency, and efficiency to parametric coverage.

We're hiring a Senior Underwriter to evaluate, price, and bind property and weather-related risks across our insurance and reinsurance portfolio, with a focus on wildfire. You'll own submissions from first look through bind, working closely with brokers, our data science team, and capacity partners. This role suits someone who understands property cat risk, is comfortable with data-driven pricing, and wants to help shape how a growing property and casualty insurance business underwrites.

What You'll Be Doing

• Assist with and lead insurance and reinsurance underwriting, including risk selection and aggregate management.
• Focus on growing our commercial book in admitted and surplus lines, including parametric
• Develop market distribution channels and build strong relationships with wholesale and retail brokers to grow a quality book of business.
• Review, analyze, and price new and renewal submissions for property, catastrophe, and parametric weather risks within your authority.
• Partner with data science and risk modeling teams to use catastrophe models, weather data, and exposure analytics in pricing decisions.
• Structure parametric triggers, limits, and payout terms that fit each client's actual exposure.
• Prepare underwriting files, referrals, and pricing rationale for capacity partners and internal review.
• Monitor portfolio aggregation, accumulation, and loss performance, and flag concentrations or trends.
• Make sure all business is written within underwriting guidelines, authority limits, and regulatory requirements, including surplus lines rules.
• Help refine underwriting guidelines, rating tools, and workflows as products and markets expand.
• Mentor junior underwriters and analysts as the team grows.

What You'll Need

• 4+ years of experience in commercial property underwriting, property brokerage, or a closely related role.
• Solid understanding of catastrophe exposure (wind, wildfire, flood, or similar) and how it drives pricing and capacity.
• Experience in the excess and surplus (E&S) lines market, working with wholesale brokers.
• Comfort working with data, cat model output, and pricing tools; strong Excel skills.
• Sound judgment on risk selection, and the confidence to decline or restructure business that doesn't fit.
• Clear written and verbal communication with brokers, partners, and internal teams.
• An active Property & Casualty license, or willingness to obtain one within 90 days of hire.

What's Great To Have

• Experience at an MGA, insurtech, or other technology-driven underwriting platform.
• Exposure to parametric insurance, weather derivatives, or alternative risk transfer.
• Familiarity with catastrophe modeling platforms (e.g., Verisk, Moody's RMS) or in-house ML pricing models.
• Working knowledge of Python, SQL, or similar tools for analyzing exposure data.
• Professional designations such as CPCU, AU, or ARM.

Candidates for this role must be located in the United States.

Essential Job Functions & Physical Requirements

• Ability to sit for extended periods of time while working at a computer, with or without reasonable accommodation
• Ability to use a computer, keyboard, mouse, and standard office equipment (e.g., phone, printer, scanner)
• Ability to view a computer screen for prolonged periods, with or without reasonable accommodation
• Ability to communicate effectively in person, by phone, and via email
• Ability to occasionally stand, walk, bend, and reach within an office environment
• Ability to lift and/or move up to 10–15 pounds occasionally (e.g., office supplies, files), with or without reasonable accommodation
• Ability to perform repetitive motions, such as typing or data entry
• Ability to maintain focus and attention while performing detailed tasks

Accessibility

Arbol is committed to accessibility and inclusivity in the hiring process. As part of this commitment, we strive to provide reasonable accommodations for persons with disabilities to enable them to access the hiring process. If you require an accommodation to apply or interview, please contact [e-mail]

Benefits

Arbol is proud to offer its full-time employees competitive compensation at a high-growth startup. Our health benefits include comprehensive health, dental, and vision coverage, and an optional flexible spending account (FSA) to support your health. We offer a 401(k) match to support your future, and flexible PTO for you to relax and recharge.

Equal Opportunity Employer

Arbol is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion, sex (including pregnancy, sexual orientation, or gender identity), national origin, age, disability, veteran status, or any other legally protected status.

Arbol participates in the E-Verify program to confirm employment eligibility. We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.