Senior Commercial Underwriter, Underwriting Intelligence

We are building an AI-native commercial insurance brokerage for small and mid-sized businesses.

Commercial insurance is still too slow, too manual, and too dependent on fragmented workflows. That is especially true in specialty commercial and E&S markets, where submissions move through emails, PDFs, ACORDs, supplementals, portals, spreadsheets, loss runs, unclear narratives, and broker notes that may or may not answer what an underwriter actually needs to know.

Great underwriting judgment exists, but most of it does not compound. It gets trapped in individual inboxes, one-off decisions, messy submissions, and tribal knowledge.

We are building the opposite: an operating system where underwriting judgment, submission quality, appetite logic, market routing, and broker workflows become infrastructure.

The Role

We are hiring a Senior Commercial Underwriter with meaningful specialty commercial and E&S experience — ideally from an MGA, MGU, wholesaler, wholesale carrier, program administrator, or specialty underwriting platform — to help build the underwriting intelligence layer of the company.

This is not a traditional underwriting seat.

You will not spend all day inside one carrier’s guidelines saying yes or no. You will help build the infrastructure that determines what we collect, how we evaluate risk, how we package submissions, where we route accounts, when we escalate, and how we make ourselves easier for markets to work with.

You do not need to be a software engineer. But you should be the kind of underwriter who naturally thinks in systems.

When you see a bad submission, you do not just think, “This is incomplete.” You think: What should intake have asked? What should the system have extracted? What rule would have caught this? What would make this market-ready? What should we never send to a carrier again?

That is the job.

What You’ll Do

• Review live submissions and system-generated outputs to identify missing underwriting context, weak risk summaries, bad assumptions, and incomplete exposure analysis.

• Work directly with engineering and product to turn underwriting judgment into workflows, checklists, routing logic, escalation triggers, QA processes, and system instructions.

• Define what a complete, market-ready submission looks like across common commercial lines and specialty risks.

• Help build internal appetite and routing logic across carriers, wholesalers, MGAs, and specialty markets.

• Advise intake, sales, placements, engineering, and leadership on what is placeable, what is missing, how to frame risk, and where workflows are breaking.

• Create practical playbooks for recurring risk categories and help train the team on how underwriting actually works in the real world.

• Think like both an underwriter and a broker: what is the risk, what will the market care about, how should we position it, and what needs to happen next?

You Might Be a Fit If

• You have 4+ years of commercial underwriting experience, with meaningful exposure to specialty commercial and/or E&S markets.

• You have worked at an MGA, MGU, wholesaler, wholesale carrier, program administrator, specialty underwriting platform, or similar environment.

• You have handled messy commercial risks and imperfect submissions, not just clean admitted-market accounts.

• You have experience with several commercial lines or risk categories, such as general liability, products liability, workers’ compensation, professional liability, technology E&O, cyber, commercial property, garage, garagekeepers, commercial auto, excess / umbrella, contractors, habitational, restaurants, staffing, security, healthcare, transportation, manufacturing, auto services, or other specialty commercial classes.

• You are tech-savvy and product-curious. You do not need to code, but you should be excited to sit with engineers, pressure-test system outputs, explain underwriting logic, and help build workflows that make the whole company smarter.

• You can explain underwriting concepts clearly to engineers, salespeople, intake operators, brokers, and founders without hiding behind insurance jargon.

• You move quickly without needing perfect instructions, switch contexts easily, and thrive in ambiguity.

• You want your underwriting judgment to scale across many submissions, not just the account in front of you.

Not the Right Fit

This is not right for someone who only wants to sit inside one carrier’s appetite and apply guidelines.

It is not right for someone who wants a slow, traditional insurance environment with clean handoffs and narrow responsibilities.

It is not right for someone who wants to advise from a distance but does not want to get into the workflow, the submission, the system output, the product logic, and the messy details.

The Reality

This is an in-office role in San Francisco.

The work touches intake, sales, placements, service, carrier relationships, product, and engineering. You will be expected to operate with urgency, own outcomes, and help build the system while the system is already running.

There will be context switching. There will be ambiguity. There will be problems that do not fit neatly into a job description.

That is the point.