Underwriting

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

Benefits offered by this job

Competitive salary

Early-stage equity

Medical, dental, vision insurance

Flexible PTO

Hardware for speed

Relocation assistance to SF

Job summary

Harbor, an insurer for AI-driven decision platforms, seeks an experienced underwriter to assess and price complex agent risk for regulated customers in the US. You will shape appetite, terms and coverage, working with carriers, reinsurers and engineering to align data, risk signals and pricing.

You will operate at the intersection of insurance and technology, leveraging rich data from our platform to refine risk models and ensure sound pricing.

Qualifications

• Experience underwriting complex commercial risk (cyber, technology E&O, professional liability or financial lines).
• Comfort with data and quantitative work; ability to handle limited loss history.
• Curiosity about how AI systems work and fail; willingness to learn technical aspects.

Responsibilities

• Underwrite agent risk for regulated customers from technical review to pricing and terms.
• Build underwriting framework mapping risk scores to appetite, limits, retentions and price.
• Collaborate with carrier and reinsurance partners on wordings, programs and capacity.
• Partner with Engineering to shape platform measurements and insured scope.
• Incorporate learnings from claims, incidents and near misses into the framework.

Skills

Underwriting complex risk

Data-driven decisions

AI systems curiosity

Experience with cyber/tech E&O

Job description

About Harbor

Harbor is insurance for the agentic economy. Banks, insurers, hospitals and law firms are handing real decisions to AI agents: approving loans, pricing policies, moving money, advising customers, thousands of times a day. When one gets it wrong, nobody knows who is liable, and insurers are excluding AI from existing policies because there is no claims history to price it.

We fix that. Our platform finds every agent a company runs, measures its operational, security and regulatory risk against a framework mapped to NIST AI RMF, SR 26-2 and the EU AI Act, and blocks the decisions that break the company's rules before they go through. Then we insure the risk that remains, with our own money behind the answer.

We emerged from stealth in October 2026 with $10M in seed funding from Base10 Partners, Abstract and 8VC. Our four co-founders met at Stanford, and the team includes former founders, IMO and IOI medalists, professional athletes and competitive programming champions. We are headquartered in San Francisco with a team across the United States and Europe.

What we share is a way of working. Everyone here thinks like a founder, owns outcomes rather than tasks, and moves fast because our customers cannot wait. And we are good people to each other. We would rather pass on a brilliant hire than lose that.

About the role

Harbor insures a risk that has never been priced before: an autonomous system making decisions at machine speed inside a regulated company. You will help build how that risk is understood, selected and priced. You will work from the richest data any underwriter has ever had on an insured, since our platform measures every agent continuously, and you will turn it into appetite, wordings and prices that carriers and reinsurers will stand behind.

What you will do

• Underwrite agent risk for banks, insurers and other regulated customers, from technical review through pricing and terms.
• Build the underwriting framework: how our risk scores map to appetite, limits, retentions and price. Help decide what we insure and what we do not.
• Work with carrier and reinsurance partners on wordings, programs and capacity.
• Partner with Engineering to shape what the platform measures, so that what we insure is what we can see.
• Learn from every claim, incident and near miss, and feed it back into the framework.

Who we are looking for

• Experience underwriting complex commercial risk, ideally cyber, technology E&O, professional liability or financial lines.
• You understand how programs get built with carriers and reinsurers, and you have sat across the table from them.
• You are comfortable with data and quantitative work, and you want far more of it than traditional underwriting gives you.
• You are curious about how AI systems actually work and fail, and willing to learn the technical side deeply.
• You are comfortable making judgment calls where there is no loss history, and documenting why.

Nice to have

• Actuarial training, or experience working closely with actuaries.
• Claims experience.
• Experience at an MGA, an insurtech, or an innovation unit within a carrier.
• A licence or regulatory familiarity in the United States, the United Kingdom or the European Union.

How we work

• Founder mentality. Everyone owns a piece of the company, not a job description. If something is broken and nobody owns it, you own it.
• Ownership over outcomes. You decide, you ship, you answer for the result. There are no layers between you and the people whose agents we insure.
• High pace. We are growing fast and we like it that way. We make decisions in days, ship in weeks, and fix what we got wrong just as quickly.
• Good hearts. We are direct and demanding, and we are kind. We help each other win and we tell each other the truth.
• We write things down. Decisions, post-mortems and specs live in documents, not in meetings.
• We hold ourselves to the standard we sell. Our own agents run on Harbor.
• In person in San Francisco. We think the first years of a company are built in the same room.

What we offer

• Competitive salary and meaningful early-stage equity.
• Medical, dental and vision for you and your dependents.
• Flexible paid time off, with a real expectation that you take it.
• Hardware of your choice and a budget for anything that makes you faster.
• Relocation support to San Francisco.

How we hire

Four steps, two weeks. An intro call with a founder, a working session on a real problem from our roadmap, conversations with the team, and references. We make decisions quickly and tell you where you stand at every step.

Harbor is an equal opportunity employer. We hire on the basis of what you can do, and we welcome applicants of every background, nationality and path into the industry. If you need an accommodation during the process, tell us and we will arrange it.