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.
We welcome applicants from across the U.S., with preference for candidates based 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: $70,000–$90,000* + 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 be responsible for:
- underwriting business that falls outside of our online quoting platform;
- expanding the appetite of our online quoting platform;
- optimizing our portfolio;
- assist the insurance product team in refining our risk and product/market fit; and
- assist the insurance team in our strategic initiatives
Job Duties
Grow the business: Production underwriting associated with all referrals for new and renewal business for private company management liability associated with a respective channel distribution. Import lessons from manual underwriting to maximize the appetite, market penetration and growth of the online platformProfitability: 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
- 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., CPCU, AU) are a plus
- 4+ years management liability underwriting experience
- Strong interpersonal skills, with a focus on building and maintaining positive relationships with brokers, agents, and clients
- Knowledge of state and federal insurance regulations and the ability to ensure compliance in all underwriting activities
- Strong knowledge of policy language, risk criteria and legal concepts for designated lines of business
- Excellent interpersonal skills and proven ability to communicate (oral and written) complex information to broad audience
- 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
The Embroker Pack lives by three core values that have taken us from an idea to a growing, well-funded player in the Insurtech space.
Pack First
We succeed and fail as one team. We optimize for what is best for our entire organization. We always assume positive intent.
Be All-In
We are 100% committed. We move fast and are proud of what we build. We attack challenges with relentless positivity.
Create Magic
We strive to amaze and delight at every touchpoint. We make our work fun through teamwork, play, and positive energy.
AT EMBROKER, EMPLOYEES COME FIRST. BENEFITS SUMMARY HIGHLIGHTED BELOW FOR US & CANADIAN EMPLOYEES.
US Employees
- Medical - 5 plans to choose from including one with an employer funded HSA
- Dental - Employer pays 100% of employee premium
- Vision - Employer pays 100% of employee premium
- Life and AD&D - Employer provided as well as additional voluntary
- Short and Long Term Disability - Employer provided
- Flexible Spending Accounts - Medical and Childcare
- Accident
- Critical Illness
- Employee Assistance Program - Including dependents
- Pet Insurance
- 401(k) with Employer Match
- Unlimited Flexible Time Off (Vacation)
- Sick Time
- 12-Weeks Paid Parental Leave
- Work from Home Office Set-up Stipend
- Paid Subscription for Wellable Wellness
- Stock options
Canadian Employees
- Medical
- Dental
- Vision
- Life and AD&D
- Long Term Disability
- Employee Assistance Program
Additional portable insurance coverage is also available including:
- Life
- AD&D
- Critical Illness
Additional benefits offered:
- RRSP with Employer Match
- Unlimited Flexible Time Off (Vacation)
- Sick Time
- Parental Leave with Salary Top-Up Program
- Work from Home Office Set-up Stipend
- Paid Subscription for Wellable Wellness
- Stock options
