Senior Underwriter, West Coast

OpenKrill; United States; Hybrid; USD 100,000 - 120,000; Full time

Benefits offered by this job

Salary Range $100,000 - $120,000

Health Benefits

Employee options grant

401K w/ employer match

Flexible paid time off

Paid national holidays

Job summary

Honeycomb Insurance is seeking an experienced underwriter to join our hybrid Roseville team, focusing on habitational and specialty property risk. You’ll leverage mega data, AI, and modern tech to quote, price, and manage a growing book while collaborating with cross-functional partners.

We offer a competitive salary range ($100,000–$120,000), bonus eligibility, and benefits, including health, 401K with match, flexible PTO, and paid holidays.

Qualifications

• 4+ years of underwriting/insurance experience, with habitational and specialty property is valued
• Excellent verbal and written communication skills
• AI proficiency and desire to seek automation and efficiency opportunities
• Curiosity, hardworking, self-accountable, positive attitude, humble and fun

Responsibilities

• Quote and release new and renewal for habitational business that has been referred from underwriting algorithm or requires changes beyond user authority thresholds
• Analyze and approve requested policy changes across the Habitational portfolio
• Maintain familiarity with state insurance regulations and ISO rules for all states within assigned underwriting territory
• Maintain open, transparent and supportive communications with team members and interdivisional partners
• Monitor portfolio composition via reports, audits and inspections
• Support marketing functions and efforts to build and promote Honeycomb
• Complete special projects and assignments
• Some travel as deemed necessary <20%

Skills

Underwriting experience

Habitational underwriting

Analytical thinking

Education

Bachelor's degree

Job description

Honeycomb Insurance

At Honeycomb, we're not just building technology; we’re reshaping the future of insurance.

In 2025, Honeycomb was recognized by Dun & Bradstreet as “Top 10 Best Start Up Companies to Work For” in Israel, named by LinkedIn as “Top 10 Startups in Chicago”, and Newsweek’s "Greatest Startup Workplaces in America, 2025". Through the first half of 2026 we’ve been recognized on Inc. Magazine’s "Best Workplaces" List and Forbes "Fintech 50".

How did we earn these honors?

Honeycomb is a rapidly growing global startup, generously backed by top-tier investors and powered by an exceptional team of thinkers, builders, and problem-solvers. Dual-headquartered in Chicago and Tel Aviv (R&D center), and with 6 offices across the U.S., we are reinventing the commercial real estate insurance industry, an industry long overdue for disruption. Just as importantly, we ensure every employee feels deeply connected to our mission and one another.

With over $100B in insured assets, Honeycomb operates across 23 states, covering more than 65% of the U.S. population and increasing its coverage.

If you’re looking for a place where innovation is celebrated, culture actually means something, and smart people challenge you to be better every day - Honeycomb might be exactly what you’ve been looking for.

What You’ll Do

Next-generation risk assessment – divesting from binary underwriting and revisioning risk selection utilizing mega data, AI and curiosity. Modernized underwriting using cutting edge technology to more accurately and quickly assess risk, price and bespoke coverage/terms to profitably grow and manage a book of business spanning Habitational and Lessor's Risk Only (LRO) package and excess liability. Honeycomb offers an environment of personal and career growth to achieve your best self through mentorship, engaging project assignments, personalized training and development, and internal and exterior exposure opportunities to expand your network and sphere of influence.

• - Quote and release new and renewal for habitational business that has been either referred from underwriting algorithm or seeking changes that exceed user authority thresholds
• - Analyze and approve requested policy changes across the Habitational portfolio
• - Maintain familiarity and compliance with state insurance regulations and ISO rules for all states within assigned underwriting territory
• - Maintain open, transparent and supportive communications with team members and interdivisional partners
• - Monitor portfolio composition via reports, audits and inspections
• - Support marketing functions and efforts to build and promote Honeycomb
• - Complete special projects and assignments
• - Some travel as deemed necessary <20%

Basic Requirements

• - 4+ years of underwriting/insurance experience with Commercial Habitational and Specialty Property experience is a valued addition to that background, not a standalone requirement
• - Bachelor's degree or equivalent education/experience preferred
• - Retail agency relationship preferred
• - AI Proficiency and desire to seek automation and efficiency opportunities
• - Curiosity, hardworking, self-accountable, positive attitude, humble and fun
• - Have an opinion, share your opinion and be open to other opinions
• - Passion to obtain, retain and employ knowledge – as well as share knowledge
• - Excellent verbal and written communication skills
• - Strong analytical skills and attention to detail
• - This position is hybrid out of our Roseville office three days a week, or remote within California
• - Must live in California

Benefits

• - Salary Range: $100,000 - $120,000 (Pending Experience) + Bonus
• - Health Benefits
• - Employee options grant
• - 401K w/ employer match
• - Flexible paid time off
• - Paid national holidays