Senior Underwriter, West Coast

Honeycomb Insurance; West Sacramento (CA); Hybrid; USD 100,000 - 120,000; Full time

Benefits offered by this job

Salary range posted

Health benefits

Employee stock options

401K with employer match

Flexible PTO

Paid holidays

Job summary

Honeycomb Insurance is seeking an experienced underwriter to shape modern risk assessment and pricing for habitational and related lines. The role emphasizes AI-driven decision making and growth across a diversified book, with flexibility for California-based hybrid or remote work.

You will collaborate with underwriting and analytics teams, leveraging data to improve risk selection, terms, and profitability.

Qualifications

• 4+ years of underwriting/insurance experience in Commercial Habitational and Specialty Property.
• Bachelor's degree or equivalent education/experience.
• AI proficiency and interest in automation opportunities.
• Excellent verbal and written communication skills.

Responsibilities

• Quote and release new and renewal for habitational business.
• Analyze and approve requested policy changes across Habitational portfolio.
• Maintain familiarity with state insurance regulations and ISO rules.
• Maintain open, transparent communications with team members and partners.
• Monitor portfolio composition via reports, audits and inspections.
• Support marketing functions and efforts to promote Honeycomb.
• Complete special projects and assignments.

Skills

Underwriting experience

Analytical skills

Communication skills

AI proficiency

Curiosity

Education

Bachelor's degree or equivalent

Job description

Honeycomb Insurance

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

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

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