Private Company D&O Underwriter

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Who we are at Embroker

Embroker is the radically simple destination for industry-tailored commercial insurance. Our mission is to make it radically easier for businesses to get the right coverage at the best price. With a technology-first, customer-centric approach, Embroker is changing how businesses protect themselves, their staff, and their customers. In 2025, Embroker has raised over $150M in funding from leading fintech investors.

This is a fully remote position unless otherwise noted. We welcome applicants from across the U.S., with preference for candidates located in the Midwest, Southeast, Southwest, and Mountain West regions.  A full list of preferred states is included at the bottom of this posting.

Base Salary: $80,000–$100,000\* + Variable Compensation + Equity

\*Actual base salary is dependent on experience and geographic location.

Position Overview

Underwriters are skilled professionals at the organization who assist the Insurance Product Team in refining the company’s risk appetite and market fit and shaping strategic initiatives. This role assists in the underwriting of designated lines of business. This role is responsible for underwriting business that falls outside of our online quoting platform, expanding the appetite of our online quoting platform, optimizing our portfolio, assisting the Insurance Product Team in refining our risk and product/market fit and strategic initiatives.

Job Duties

Grow the Business:  Production underwriting associated with all referrals for new and renewal business for private company management liability, Tech E&O, Cyber Liability, and MPL associated with a respective channel distribution. Import lessons from manual underwriting to maximize the appetite, market penetration and growth of the online platform.Profitability:  Set profitable terms, conditions, and pricing for referrals to ensure risk adjusted underwriting profitability. Assess manual underwriting trends to ensure profitability and to strategize and translate learning into a digitized experience.

• Risk Assessment & Analysis: Analyze insurance applications, supporting documents, and background information to assess the level of risk.
• Underwriting Decisions: Make sound underwriting decisions regarding acceptance, modification, or rejection of risks based on company underwriting guidelines and industry best practices.
• Policy Pricing: Develop and adjust premiums and coverage limits according to risk assessment while maintaining profitability and competitiveness.
• Communication: Work closely with brokers, agents, and clients to explain coverage, premium determinations, and policy terms.
• Portfolio Management: Manage and monitor an assigned portfolio of insurance policies to ensure they remain within the company’s risk appetite. Recommend portfolio optimization improvements.
• Collaboration: Liaise with the Claims, Actuarial, and Insurance Product Teams to maintain updated and accurate pricing models. Collaborate with Account Executives and Customer Success Managers.
• Compliance: Ensure that all underwriting decisions and processes comply with state regulations and company standards.
• Data Analysis & Reporting: Utilize data and analytics to identify trends, review portfolio performance, and make recommendations for improving underwriting guidelines.
• Continuous Improvement: Stay informed about industry trends, market conditions, and regulatory changes to ensure best practices in underwriting.
• Insurance Team Project Work:  Assist the Insurance Product Team in project work that drives growth, scale, and insurance profitability.
• Perform other duties as assigned.

Qualifications

• Bachelor’s degree in finance, business, risk management, or related field Professional certifications (e.g., RPLU, CPCU, AU) are a plus.
• 3+ years management liability, Tech E&O, and/or Cyber Liability underwriting experience. MPL underwriting experience is a plus.
• Strong interpersonal skills, with a focus on building and maintaining positive relationships with brokers, agents, and clients, as well as internal Sales and Customer Success Teams.
• Ability to follow established guidelines regarding state and federal insurance regulations to assist with compliance for underwriting activities.
• Knowledge of policy language, risk criteria and legal concepts for designated lines of business.
• Excellent communication skills and proven ability to communicate (oral and written) complex information to broad audiences.
• Proficiency in all Google Suite products. Experience with Salesforce and online quoting platforms or APIs (Application Programming Interface) are a plus.
• Ability to work cross-culturally on a global team.
• Ability to perform at a high-level in a remote work environment.
• Prolonged periods of time sitting at a desk and working on a computer.

**Preferred States for Remote Work Eligibility:

Arizona, Alabama, Alaska, Arkansas, Delaware, Florida, Georgia, Idaho, Indiana, Iowa, Louisiana, Maine, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Mexico, North Dakota, Nevada, North Carolina, Oklahoma, Kansas, Kentucky, South Dakota, South Carolina, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, Wyoming.**

Our Values

We operate as one team, prioritize impact, and bring energy to everything we do:

• Pack First — We act in the best interest of the company and each other.
• Be All-In — We move with urgency, ownership, and commitment.
• Create Magic — We deliver exceptional experiences for our customers and colleagues.

Benefits & Perks

We offer a comprehensive and competitive benefits package for U.S. and Canadian employees, including:

• Health, dental, and vision coverage
• Retirement savings with employer match
• Paid parental leave
• Flexible time off and wellness support
• Employee assistance programs
• Remote work stipend
• Equity participation

Benefit offerings vary by location and are subject to change.

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