Join Bay Area Underwriting Launch – Managing Director & Senior Underwriters | Innovation & Emerging Tech

We’re determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having every opportunity to achieve your goals – and to help others accomplish theirs, too. Join our team as we help shape the future.          

Y-Risk, as an underwriting company of The Hartford, partners with brokers to provide robust insurance solutions for our clients. We have proudly built a company operating on the leading edge of the insurance industry where we expertly merge the fundamentals of insurance with the fast-paced world of tech-enabled innovation.

We are establishing an underwriting team in the Bay Area of California, in proximity to the San Francisco insurance community and the investment & technology resources in Silicon Valley.  We are building on the existing Y-Risk brand as an industry leader in underwriting the innovators: delivering client centric solutions as new business models emerge. This strategic move will align with Y-Risk's mandate of "insuring tomorrow's economy" by positioning the company at the forefront of underwriting emerging technologies. This team will leverage Hartford’s deep institutional knowledge and resources through collaboration and transparency by focusing on the intersection of underwriting, data science, risk finance, risk engineering, technology, and claims.

We are seeking three exceptional individuals to lead the charge in underwriting innovation, strategic investment, and emerging technologies. This new team will consist of 1 Managing Director and 2 Senior/Executive Underwriters.

The Managing Director will report to the Chief Underwriting Officer & Head of Y-Risk and will be responsible for leading the team, driving a first principles underwriting culture, and overseeing underwriting, sales leadership, and broker/agency management. The Managing Director will work closely with Y-Risk Innovation Labs and the Emerging Technology Study Group, foster partnerships with leading tech companies and integrate insights from data science, risk engineering, and claims into underwriting strategy.

Reporting to the Managing Director, the 2 underwriters will play a critical role in underwriting execution, innovation, and market engagement. Our Underwriters will monitor and respond to private equity investment and technological trends as they are being developed, while growing Y-Risk business. This team will deliver underwriting solution expertise and 360⁰ perspectives on risk to clients and producers; and create forward-thinking insurance products that meet the needs of tomorrow's economy.

Please note that qualifications will be assessed throughout the interview process, and candidates may be considered for either role based on experience, skills, and alignment with team needs.

Managing Director

Responsibilities:

• Lead strategic planning, underwriting execution, and team development.

• Identify and underwrite emerging technologies and clients.

• Drive exposure-based R&D and product innovation.

• Collaborate with internal innovation labs and external tech partners.

• Manage agency relationships and ensure book integrity and growth.

• Foster a high-performance culture and mentor underwriting talent.

Qualifications:

• 7+ years of commercial P&C underwriting experience; Auto, GL, Financial Lines a plus.

• Proven leadership and mentoring experience.

• Strong underwriting acumen and strategic thinking.

• Excellent communication, sales, and relationship-building skills.

• Experience in emerging tech or evolving business models preferred.

• Graduate degree or CPCU designation preferred.

Salary Range: $144,000 - $216,000

Senior/Executive Underwriter

Responsibilities:

• Underwrite complex risks and manage a growing book of business.

• Conduct exposure and pricing-based R&D to refine underwriting strategies.

• Engage directly with brokers, agents, and clients.

• Participate in tech-related industry events and foster partnerships.

• Maintain strong agency relationships and achieve high retention rates.

• Collaborate with innovative teams and contribute to product development.

Qualifications:

• 5+ years of P&C underwriting experience; Auto and GL a plus.

• Ability to underwrite complex risks with minimal supervision.

• Strong technical knowledge and analytical skills.

• Excellent communication, sales, and negotiation abilities.

• Experience in the Sharing/On-Demand Economy or emerging tech preferred.

• CPCU or other industry designations a plus.

Salary Range: $119,600 - $179,400

Work Model:

These roles will have a Hybrid work schedule, with the expectation of working in the office/in market 3 days a week (Tuesday through Thursday).

Compensation

The listed annualized base pay range is primarily based on analysis of similar positions in the external market. Actual base pay could vary and may be above or below the listed range based on factors including but not limited to performance, proficiency and demonstration of competencies required for the role. The base pay is just one component of The Hartford’s total compensation package for employees. Other rewards may include short-term or annual bonuses, long-term incentives, and on-the-spot recognition. The annualized base pay range for this role is:

The posted salary range reflects our ability to hire at different position titles and levels depending on background and experience.

Equal Opportunity Employer/Sex/Race/Color/Veterans/Disability/Sexual Orientation/Gender Identity or Expression/Religion/Age

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