Senior Underwriter

Stand

Wind States Underwriter managing high-net-worth personal lines with an emphasis on wind-exposed risks. Delivering profitable growth while providing an exceptional broker and client experience.

Posted 7/8/2026full-timeTampa • Florida • 🇺🇸 United StatesSenior💰 $115,000 - $145,000 per yearWebsite

About the role

Key responsibilities & impact

Underwrite and manage a portfolio of high-net-worth personal lines business, with a focus on wind-exposed properties and complex risks.
Evaluate submissions, determine risk acceptability, structure coverage terms, and establish pricing consistent with underwriting guidelines and authority.
Develop creative solutions for non-standard risks while maintaining profitability and portfolio quality.
Partner closely with brokers to provide fast, clear, and consultative underwriting decisions.
Collaborate with mitigation, engineering, product, and commercial teams to improve risk selection and customer outcomes.
Maintain high-quality underwriting documentation and audit-ready files.
Manage portfolio performance against premium, policy count, profitability, and risk quality objectives.
Champion new underwriting tools, workflows, and technology-enabled improvements that enhance efficiency and decision quality.
Contribute underwriting insights that help evolve Stand's appetite, guidelines, and operating model.

Requirements

What you’ll need

Strong personal lines underwriting experience, preferably within high-net-worth or specialty property insurance.
Demonstrated ability to assess and structure complex risks while balancing growth and profitability.
Excellent judgment and decision-making skills in ambiguous or non-standard underwriting situations.
Strong broker relationship management skills with a reputation for responsiveness and professionalism.
Exceptional communication skills, including the ability to explain underwriting decisions and tradeoffs clearly.
Highly organized with the ability to manage multiple priorities and submissions simultaneously.
Comfortable adopting new technology, underwriting platforms, and evolving workflows.
Collaborative, team-oriented mindset with a strong sense of ownership and accountability.

Benefits

Comp & perks

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

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

Underwriting GuidelinesRisk Acceptability EvaluationCoverage Terms StructuringPortfolio ManagementProfitability Analysis

Soft Skills

Excellent JudgmentExceptional CommunicationHighly OrganizedCollaborative MindsetOwnership and Accountability