Senior Underwriter

Arbol is a global climate risk coverage platform and FinTech company offering full-service solutions for any business looking to analyze and mitigate exposure to climate risk. Arbols products offer parametric coverage which pays out based on objective data triggers rather than subjective assessment of loss. Arbols key differentiator versus traditional InsurTech or climate analytics platforms is the complete ecosystem it has built to address climate risk. This ecosystem includes a massive climate data infrastructure scalable product development automated instant pricing using an artificial intelligence underwriter blockchain-powered operational efficiencies and non-traditional risk capacity bringing capital from non-insurance sources. By combining all these factors Arbol brings scale transparency and efficiency to parametric coverage.

Were hiring a Senior Underwriter to evaluate price and bind property and weather-related risks across our insurance and reinsurance portfolio with a focus on wildfire. Youll own submissions from first look through bind working closely with brokers our data science team and capacity partners. This role suits someone who understands property cat risk is comfortable with data-driven pricing and wants to help shape how a growing property and casualty insurance business underwrites.

What youll be doing

• Assist with and lead insurance and reinsurance underwriting including risk selection and aggregate management.
• Focus on growing our commercial book in admitted and surplus lines including parametric
• Develop market distribution channels and build strong relationships with wholesale and retail brokers to grow a quality book of business.
• Review analyze and price new and renewal submissions for property catastrophe and parametric weather risks within your authority.
• Partner with data science and risk modeling teams to use catastrophe models weather data and exposure analytics in pricing decisions.
• Structure parametric triggers limits and payout terms that fit each clients actual exposure.
• Prepare underwriting files referrals and pricing rationale for capacity partners and internal review.
• Monitor portfolio aggregation accumulation and loss performance and flag concentrations or trends.
• Make sure all business is written within underwriting guidelines authority limits and regulatory requirements including surplus lines rules.
• Help refine underwriting guidelines rating tools and workflows as products and markets expand.
• Mentor junior underwriters and analysts as the team grows.

What youll need

4 years of experience in commercial property underwriting property brokerage or a closely related role.

Solid understanding of catastrophe exposure (wind wildfire flood or similar) and how it drives pricing and capacity.

Experience in the excess and surplus (E&S) lines market working with wholesale brokers.

Comfort working with data cat model output and pricing tools; strong Excel skills.

Sound judgment on risk selection and the confidence to decline or restructure business that doesnt fit.

Clear written and verbal communication with brokers partners and internal teams.

An active Property & Casualty license or willingness to obtain one within 90 days of hire.

Whats great to have

• Experience at an MGA insurtech or other technology-driven underwriting platform.
• Exposure to parametric insurance weather derivatives or alternative risk transfer.
• Familiarity with catastrophe modeling platforms (e.g. Verisk Moodys RMS) or in-house ML pricing models.
• Working knowledge of Python SQL or similar tools for analyzing exposure data.
• Professional designations such as CPCU AU or ARM.

$140000 - $150000 a year

Candidates for this role must be located in the United States.

Essential Job Functions & Physical Requirements

• Ability to sit for extended periods of time while working at a computer with or without reasonable accommodation
• Ability to use a computer keyboard mouse and standard office equipment (e.g. phone printer scanner)
• Ability to view a computer screen for prolonged periods with or without reasonable accommodation
• Ability to communicate effectively in person by phone and via email
• Ability to occasionally stand walk bend and reach within an office environment
• Ability to lift and/or move up to 1015 pounds occasionally (e.g. office supplies files) with or without reasonable accommodation
• Ability to perform repetitive motions such as typing or data entry
• Ability to maintain focus and attention while performing detailed tasks

Interested but you dont meet every qualification Please apply!

Arbol values the perspectives and experience of candidates with non-traditional backgrounds and we encourage you to apply even if you do not meet every requirement.

Accessibility

Arbol is committed to accessibility and inclusivity in the hiring process. As part of this commitment we strive to provide reasonable accommodations for persons with disabilities to enable them to access the hiring process. If you require an accommodation to apply or interview please contact emailprotected

Benefits

Arbol is proud to offer its full-time employees competitive compensation and equity in a high-growth startup. Our health benefits include comprehensive health dental and vision coverage and an optional flexible spending account (FSA) to support your health. We offer a 401(k) match to support your future and flexible PTO for you to relax and recharge.

Equal Opportunity Employer

Arbol is an Equal Opportunity Employer and does not discriminate on the basis of race color religion sex (including pregnancy sexual orientation or gender identity) national origin age disability veteran status or any other legally protected status.

Arbol participates in the E-Verify program to confirm employment eligibility.

We may use artificial intelligence (AI) tools to support parts of the hiring process such as reviewing applications analyzing resumes or assessing responses. 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.

Required Experience:

Senior IC