Senior Underwriter
Arbol is a global climate risk solutions platform founded in 2018 that provides data-driven parametric insurance and derivatives products.
Maintainer signals as of 9/25/2026
About Arbol
Arbol was founded in 2018 to change how climate risk is actively managed throughout the financial system. The company provides parametric insurance and derivatives products that pay out automatically when predefined weather triggers (such as rainfall, temperature, wind speed, or fire perimeters) are met, rather than relying on traditional claims assessment. Its ecosystem combines an expansive data infrastructure sourced from NOAA, NASA, ECMWF, and the European Space Agency, an AI/ML underwriter, a technology platform for brokers and agents, and flexible dedicated risk capital. Arbol's solutions span agriculture, energy, travel, wildfire, and reinsurance, and it also operates Arbol Insurance, an underwriting and brokerage firm focused on hard-to-place weather risks. The company has transferred over $2 billion in notional risk and serves clients including small farmers, large corporations, and insurers like Centauri Insurance and Singlife, with roughly half of its clients otherwise lacking access to climate risk products.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
You will evaluate, price, and bind property and weather-related risks, with a focus on wildfire. You will manage submissions from initial review through binding, work with brokers and capacity partners, and apply catastrophe models, weather data, and exposure analytics to pricing decisions. You will monitor portfolio performance, maintain underwriting compliance, refine tools and workflows, and mentor junior underwriters and analysts.
Requirements
- 4+ years of experience in commercial property underwriting, property brokerage, or a closely related role
- Understanding of catastrophe exposure and its impact on pricing and capacity
- Experience in the excess and surplus lines market and working with wholesale brokers
- Experience with data, catastrophe model output, pricing tools, and Excel
- Risk-selection judgment and ability to decline or restructure unsuitable business
- Written and verbal communication skills
- Active Property & Casualty license or willingness to obtain one within 90 days of hire
- Must be located in the United States
Responsibilities
- Lead insurance and reinsurance underwriting, including risk selection and aggregate management
- Grow the commercial admitted, surplus lines, and parametric book of business
- Develop distribution channels and build relationships with wholesale and retail brokers
- Review, analyze, and price new and renewal submissions for property, catastrophe, and parametric weather risks
- Use catastrophe models, weather data, and exposure analytics in pricing decisions
- Structure parametric triggers, limits, and payout terms for client exposures
- Prepare underwriting files, referrals, and pricing rationale for internal review and capacity partners
- Monitor portfolio aggregation, accumulation, and loss performance
- Ensure business complies with underwriting guidelines, authority limits, regulatory requirements, and surplus lines rules
- Refine underwriting guidelines, rating tools, and workflows
- Mentor junior underwriters and analysts
Benefits
- Equity
- Health coverage
- Dental coverage
- Vision coverage
- Optional flexible spending account
- 401(k) match
- Flexible PTO
