Senior Underwriter, West Coast

honeycombinsurance; United States; Hybrid; USD 90,000 - 130,000; Full time

Job summary

Honeycomb Insurance is seeking an experienced underwriter for Habitational and Specialty Property to join our hybrid California team. You will leverage AI-driven risk assessment to price and shape terms for a growing book of business, balancing profitability with client needs.

Role emphasizes collaboration, regulatory compliance, and proactive policy advocacy across the Habitational portfolio. Board-ready communication and data-driven decision making are essential to success.

Qualifications

• 4+ years of underwriting/insurance experience in Commercial Habitational and Specialty Property is preferred.
• AI proficiency and desire to seek automation and efficiency opportunities.
• Excellent verbal and written communication skills.
• Strong analytical skills and attention to detail.

Responsibilities

• Perform next-generation risk assessment and modernized underwriting for Habitational and LRO, including rate and terms for a diverse book of business.
• Quote and release new and renewal for habitational business exceeding user authority thresholds.
• Analyze and approve requested policy changes across the Habitational portfolio.
• Maintain compliance with state insurance regulations and ISO rules within assigned territory.
• Communicate transparently with team members and interdivisional partners.
• Monitor portfolio via reports and audits; support marketing efforts to promote Honeycomb.

Skills

AI proficiency

Analytical skills

Communication skills

Curiosity

Accountability

Positive attitude

Education

Bachelor's degree or equivalent education/experience

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 assignmentsSome travel as deemed necessary

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