{"id":3045018,"url":"https://alion.io/job/stand-insurance-underwriter","title":"Underwriter","company":{"id":2744,"name":"Stand Insurance","domain":"standinsurance.com","url":"https://alion.io/company/stand-insurance","size_band":"51-200","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Ashby","truth_index":{"grade":"A","score":86,"open_postings":11,"ghost_share":0,"stale_share":0.545,"repost_share":0,"time_to_fill_p50_days":null,"computed_at":"2026-11-04T06:34:25Z"}},"role":"Finance","role_family":"Finance","seniority":"middle","employment_type":"full_time","work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"explicit","locations":["San Francisco, United States"],"countries":["US"],"hiring_countries":[],"hiring_countries_total":0,"salary":{"min":96000,"max":121000,"currency":"USD","period":"year","gross":null,"usd_annual":121000},"salary_estimate":null,"experience_years_min":3,"visa_sponsorship":true,"relocation_package":false,"has_equity":false,"technologies":[{"name":"LLM","optional":false},{"name":"World Models","optional":false}],"status":"live","first_seen_at":"2026-10-21T20:36:20Z","employer_posted_date":"2026-10-21","last_verified_at":"2026-11-04T20:22:23Z","board_verified":true,"closed_at":null,"days_open":14,"trust":{"level":"ok","repost_count":0,"flags":[],"days_open":13},"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.\nWe stay when traditional insurers exit. We model what others approximate. And we build systems that change outcomes, not just prices.\nOur leadership team includes former successful founders and CEOs from Metromile, PolicyGenius, WePay, and HotelTonight, bringing deep experience in building and scaling high-growth companies.\nBackground: 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.\nStand 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.\nWhat We're Building\nStand 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.\nThis 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.\nThe Role\nYou'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.\nThis ishands-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.\nWhat You'll Own\nBecome 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.\n\nGrow 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.\n\nCut 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.\n\nAdopt 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.\n\nWhat Makes You Great at This\nYou'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.\nYou'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.\nYou're broker-obsessed, communicating clearly and explaining the \"why\" behind your decisions while holding the line on terms when needed.\nYou're tech-inclined and naturally ask \"Can we systematize this?\" when you see repeatable tasks.\nMost 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.\nWhat You Bring\n3+ years of underwriting experience in personal lines, preferably HNW or complex property risks\n\nStrong understanding of risk analysis, property & liability coverages, pricing and compliance.\n\nTrack record of managing a profitable book while delivering excellent broker service\n\nAbility to negotiate quote terms with internal and external stakeholders while building and maintaining strong, collaborative relationships.\n\nEfficient and effective desk management\n\nProficiency in leveraging technology, with the ability to quickly adapt to new platforms and tools, and identify opportunities for process improvement.\n\nCPCU, or similar designation (or in progress) preferred\n\nProperty & Casualty License / Excess and Surplus License\n\nYou're probably not a fit if\nYour experience primarily lies in commercial lines, or in high-volume personal lines with limited exposure to complex, high-net-worth, or CAT-driven risks.\n\nYou rely on frequent escalation or consensus before making a call, rather than taking ownership of the underwriting decision and its outcome.\n\nYou want technology and workflows to stay fixed, and aren't interested in helping systematize repeatable work or improve how underwriting gets done.\n\nBenefits:\nAbove-market Health, Dental, and Vision coverage\n\nWeekly lunch stipend\n\nFlexible time off + holidays\n\n401(k) plan\n\nCommuter benefits\n\nPAT & MAT Leave\n\nShort-Term and Long-Term Disability\n\nMonthly team gatherings\n\nIn-office perks\n\nAI in the Interview Process\nThoughtful 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.\nSome 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.\nWork Authorization\nCandidates 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.\nEqual Opportunity Employment\nStand 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.\nWe are committed to providing reasonable accommodations for qualified individuals. If you require assistance, please contact us at .\nPursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.\nAI Use in Hiring\nWe 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 at .","description_format":"text","description_chars":7736,"description_truncated":false,"requirements":{"experience_years_min":3,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":["Flexible time off"],"hiring_locations":[{"name":"United States","iso":"US","kind":"country"}],"hiring_excludes":[],"relocation_offered":false,"industries":["Property & Casualty Insurance","Financial AI","InsurTech"],"lifecycle":[{"event":"open","at":"2026-10-22T00:04:16Z"}],"visa":[],"liveness":{"score":52,"band":"ok","label":"Likely open","p_open":1,"p_active":0.58,"p_room":0.9,"age_days":13,"expected_fill_days":30,"reasons":["conf:0","stale_co","win:mid"],"computed_at":"2026-11-04T06:34:25Z"},"pay":{"stated_usd_annual":121000,"is_top_pay":true},"html_url":"https://alion.io/job/stand-insurance-underwriter","json_url":"https://alion.io/job/stand-insurance-underwriter.json","meta":{"generated_at":"2026-11-04T21:10:17Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":32756,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-11-05T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":2744},"rest":"https://alion.io/mcp/rest/get_company?id=2744"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fstand-insurance-underwriter"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fstand-insurance-underwriter"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fstand-insurance-underwriter"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/stand-insurance-underwriter\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fstand-insurance-underwriter"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":3045018}},{"tool":"search_jobs","arguments":{"company":"standinsurance.com","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":3045018},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); https://alion.io/mcp with an Alion account has everything. Docs: https://alion.io/developers"}}