Underwriter

Stand Insurance; San Francisco (CA); On-site; USD 150,000 - 210,000; Full time

Job summary

Stand Insurance is building a new class of global property protection, using advanced physics and AI to model catastrophic risk at the asset level and automate underwriting.

You will execute our underwriting strategy for high-net-worth personal lines, including complex homes and unique exposures, working directly with brokers, mitigation, and engineering teams to structure terms and deliver a seamless experience.

Qualifications

• Underwriting strategy execution for high-net-worth personal lines including complex homes, unique exposures, and CAT risks.
• Collaborate with brokers, marketing, mitigation, and engineering teams to evaluate risks and structure terms.
• Hands-on underwriting with autonomy; own your book and make decisive calls on complex submissions.
• Leverage technology while maintaining human judgment.

Responsibilities

• Become the go-to underwriter for CAT-exposed properties and unique exposures, developing creative, risk-balanced approaches.
• Grow your assigned book to premium and policy targets while maintaining strict risk quality standards.
• Cut quote-to-bind time on complex risks through decisive communication and clear workflows; improve broker satisfaction by being more responsive.

Job description

Why Join Stand: At Stand, you’ll help build a new class of global property protection. We use advanced physics and AI to model catastrophic risk at the asset level, then automate underwriting and mitigation before loss occurs. Insurance is simply the current delivery mechanism. The real product is a scalable risk engine, our Stand World Model.

We stay when traditional insurers exit. We model what others approximate. And we build systems that change outcomes, not just prices.
Our leadership team has built category-defining companies (Metromile, Policygenius, WePay, HotelTonight) and brings decades of expertise in underwriting, capital management, and reinsurance.

Background: The property insurance industry is built to price loss after it happens. It relies on coarse proxies, backward-looking data, and manual processes, then accepts damage as unavoidable.

Stand takes a different approach. We simulate how real-world catastrophes affect individual properties, translate that into actionable decisions, and automate the business around it. The result is a platform that can underwrite what others can’t and operate with far less friction.

What We're Building

Stand is reimagining high-net-worth personal lines insurance for a world where the old playbook doesn't work anymore. Climate risk is escalating, client expectations are rising, and legacy carriers are retreating or stuck in out-dated workflows. We're building the carrier that solves hard problems by combining deep underwriting judgment with modern technology to protect what matters most to our clients.

This isn't about moving paper faster. It's about being the underwriter brokers want to work with on their toughest risks, the one who asks better questions, finds creative solutions, and builds a book that's both profitable and resilient.

The Role

You’ll be executing our underwriting strategy for a high-net-worth personal lines book including complex homes, unique exposures, and CAT risks. You'll work directly with brokers, marketing, mitigation, and engineering teams to evaluate risks others won't touch, structure creative terms, and deliver an experience that makes us the easiest carrier to work with.

This is hands-on underwriting with real autonomy. You'll own your book, make decisive calls on complex submissions, and help shape how we leverage technology to get better at the craft without losing the human judgment that matters.

What You'll Own

• Become the underwriter brokers call when they have challenging CAT-exposed properties, unique collections, non-standard liability exposures. Develop creative, solution-oriented approaches that balances client needs with sound risk selection.
• Grow your assigned book to premium and policy targets while maintaining strict risk quality standards. Demonstrate improved selection through thoughtful terms, appropriate pricing, and knowing when to walk away. Keep underwriting files audit-ready with clear documentation and rationale.
• Cut quote-to-bind time, especially on complex risks, through decisive communication and clear workflows. Earn top-tier broker satisfaction by being more responsive and easier to