Senior Underwriter - Commercial Lines

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. Arbol's products offer parametric coverage which pays out based on objective data triggers rather than subjective assessment of loss. Arbol's 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.

Reporting to the Chief Underwriting Officer,this senior level underwriting position provides timely and high-quality market expertise to support accurate commercial property risk selection and pricing. We're excited about candidates with deep expertise in Florida commercial residential markets with an understanding of the unique risks and dynamics.

This role operates in an underwriting environment that is actively transforming processes into end-to-end AI automation. As we build out our AI capabilities, we're seeking someone with deep industry knowledge that will advise and improve how we select and price risk, and manage terms and conditions.. Under limited supervision, the Senior CML Underwriter uses advanced knowledge and skills to handle complex account work, solve problems, and provide technical support. This position is required to demonstrate complex decision-making with broad limits of authority to recommend pricing and risk exceptions where appropriate to maximize and meet business plans. We're looking for someone who thrives working collaboratively across teams and varying skill levels.
Lilypad is a coastal homeowners insurance carrier serving Florida, Louisiana, Texas, and other Gulf and Atlantic states with traditional admitted homeowners and dwelling fire policies. Lilypad was founded by Arbol, a climate risk technology company, but operates as its own carrier with its own underwriting, claims, and agent network; this role sits with Lilypad and is focused on traditional property insurance, not parametric products.

What You'll Be Doing

• Support a profitable book of business by accepting or rejecting new, renewal, and endorsement applications in accordance with company guidelines.
• Maintain thorough knowledge of class of business and line of business trends, providing market insight expertise to help build and improve our AI-assisted selection and pricing models
• Collaborate with our internal actuarial, claims, and compliance teams on pricing adequacy, loss experience, and state-specific regulatory requirements
• Identify gaps in pricing market norms and modeled output; provide actionable guidance for underwriting and product team
• Monitor profitability and quality of submissions.
• Keep up-to-date with underwriting, product, and pricing changes.
• Price risks and place facultative reinsurance.
• Model CRP and/or BOP risks to ensure accuracy in pricing.
• Modify coverage terms and conditions to reduce pricing and eligibility friction and better serve our customers with insurance solutions.

What You'll Need

• Bachelor's degree (B.A/B.S.) from a four-year college or university or the equal amount of work experiences.
• 10-15 years of insurance experience in commercial underwriting, commercial claims, or commercial product development.
• Professional designation (CPCU, AU, ARM) preferred.
• Occasional travel may be required.

$80,000 - $95,000 a year

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 10-15 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 don't 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 [email protected]

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.