# Underwriter at Stand

Stand is hiring an Underwriter in San Francisco, United States. It pays $96k-$121k a year and Level rates it Uses AI ●●○○; you can [apply on Stand](https://jobsbylevel.com/go/cf763003-8ecb-4246-a831-9ee5521ef082?utm_medium=ai-agent).

AI Level 2, AI centrality 50 out of 100. San Francisco.

## Details

- Company: [Stand](https://jobsbylevel.com/companies/stand)
- AI level: AI Level 2 (score 50 out of 100)
- Location: San Francisco
- Salary: $96k-$121k
- Posted: October 21, 2026
- Apply: https://jobsbylevel.com/go/cf763003-8ecb-4246-a831-9ee5521ef082?utm_medium=ai-agent

## 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 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

The description is cut here. Read the full offer: https://jobsbylevel.com/jobs/underwriter-at-stand-bacbb9

Source: https://jobsbylevel.com/jobs/underwriter-at-stand-bacbb9

## Cite this page

Level. https://jobsbylevel.com/jobs/underwriter-at-stand-bacbb9.

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