Underwriter at Stand in San Francisco, CA

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 includes former successful founders and CEOs from Metromile, PolicyGenius, WePay, and HotelTonight, bringing deep experience in building and scaling high-growth companies.

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 work with than any other carrier they use. Be the underwriter who finds solutions.
• Adopt and help refine our underwriting tools and platforms. Identify repeatable tasks that should be systematized so you can focus on what requires judgment, and push us to continuously improve how we evaluate, price, and service risks.

What Makes You Great at This

You're deeply curious about people, assets, and emerging risks, you ask the pertinent questions about lifestyle, property features, liability exposures, and what might evolve in the future.

You're creative in solving non-standard risks with bespoke terms and layered structures without sacrificing profitability, and you know when to look for solutions versus when to walk away.

You're broker-obsessed, communicating clearly and explaining the "why" behind your decisions while holding the line on terms when needed.

You're tech-inclined and naturally ask "Can we systematize this?" when you see repeatable tasks.

Most importantly, you execute with ownership, you eschew "we can't" or "I'll have to refer this," make timely decisions on complex submissions, and your follow-through is a hallmark.

What You Bring

• 3+ years of underwriting experience in personal lines, preferably HNW or complex property risks
• Strong understanding of risk analysis, property & liability coverages, pricing and compliance.
• Track record of managing a profitable book while delivering excellent broker service
• Ability to negotiate quote terms with internal and external stakeholders while building and maintaining strong, collaborative relationships.
• Efficient and effective desk management
• Proficiency in leveraging technology, with the ability to quickly adapt to new platforms and tools, and identify opportunities for process improvement.
• CPCU, or similar designation (or in progress) preferred
• Property & Casualty License / Excess and Surplus License

You're probably not a fit if

• Your experience primarily lies in commercial lines, or in high-volume personal lines with limited exposure to complex, high-net-worth, or CAT-driven risks.
• You rely on frequent escalation or consensus before making a call, rather than taking ownership of the underwriting decision and its outcome.
• You want technology and workflows to stay fixed, and aren't interested in helping systematize repeatable work or improve how underwriting gets done.

Benefits:

• Above-market Health, Dental, and Vision coverage
• Weekly lunch stipend
• Flexible time off + holidays
• 401(k) plan
• Commuter benefits
• PAT & MAT Leave
• Short-Term and Long-Term Disability
• Monthly team gatherings
• In-office perks

AI in the Interview Process

Thoughtful use of AI tools is expected and valued at Stand. Candidates should be prepared to discuss how they use AI, how they evaluate its output, and how it informs their work. Strong communication, sound judgment, and the ability to clearly articulate experience and decision-making remain core requirements.

Some parts of the interview process are designed to assess independent thinking, communication, and problem-solving. If you plan to use an AI assistant or LLM during any portion of an interview, please discuss it with your interviewer in advance.

Work Authorization

Candidates must be authorized to work in the U.S. Stand does not sponsor new work visas. We can consider candidates on TN visas, O-1A visas, or H-1B transfers with three years or more remaining.

Equal Opportunity Employment

Stand is an equal opportunity employer and does not discriminate on the basis of protected veteran status, disability, or other legally protected status. We believe that diversity enriches the workplace, and we are committed to growing our team with the most talented and passionate people from every community.

We are committed to providing reasonable accommodations for qualified individuals. If you require assistance, please contact us athr@standinsurance.com.

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

AI Use in Hiring

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us athr@standinsurance.com.