Underwriter (Austin) at StandInsurance · LumiJobs

Responsibilities

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.
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.

Underwriter (Austin)

Responsibilities

Benefits

Company

StandInsurance

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