Senior P&C Underwriter; Habitational

ARU, founded in 2016, has quickly risen to become the U.S. leader in specialty property insurance underwriting, product development, loss control, and technology.

ARU continues to grow at a rapid pace, and we are currently seeking an experienced senior package underwriter with strong HABITATIONAL expertise. The senior underwriter will first contribute as part of the leadership team finalizing standing up the new national program. Upon launch late Q1 2026, the senior underwriter will perform as the lead property and liability underwriter for the Hab program.

I started ARU in 2016 at ground zero, with zero customers, zero revenue, and one big foundational idea:
other market participants were operating fundamentally flawed models that were not sustainable
. I strongly believed ARU could deliver substantial value by making a clean break from the legacy underwriting methods – and by building a completely new and innovative approach. But – I must say,
believing it and executing it were two very different things, ha! While it certainly has not been easy, amazing work by the ARU team has generated superlative growth and profitability results, and it continues to be incredibly fulfilling to see ARU’s original mission be realized. I am now seeking the next great addition to our team, a Senior Underwriter to support a newly formed Habitational program unit.

If you are a world‑class P&C underwriting professional who’s seeking to do the best work of your career, I invite you to reach out to us.

• You will work closely with company executives, including Co‑founder Will Johnson, a nationally‑recognized insurance leader. You will perform in a key collaborative, administrative, and support role, helping establish and grow the new division.
• You will receive a competitive compensation package, with base annual salary, annual bonus, and company‑provided benefits. You will have 100% employer‑paid health insurance, generous PTO, and a 100% vested retirement plan with company match.
• You will have a position in a fast‑growing, modern, technology‑based company, where your contribution will be critical to the company’s success, and where your performance will earn you opportunities for recognition and promotion.

• Help ARU be the best in the world at what we do, and do not ever settle for mediocrity. Actively participate in ARU’s culture of collaborative problem‑solving.
• Treat every assignment as an opportunity to:
  1) learn and grow as an insurance professional, and
  2) prepare for increased responsibilities in the company.
• Perform with a high level of polish and professionalism, in all spoken and written communications. Address internal and external business challenges in a graceful and tactful manner. Complete all duties with a high degree of urgency, thoroughness, and accuracy.
• Perform as Senior Underwriter:
  Habitational Risks
• Program Leadership & Administration:
  Stand up the program’s day‑to‑day operations: workflows, SLAs, underwriting guidelines, rating parameters, authority matrices, referral triggers, and documentation standards. Own program performance dashboards (rate adequacy, hit/retention, bound premium, TIV concentration, loss ratio, cycle time) and drive corrective actions. Manage carrier/MGU/MGA relationships, including bordereaux quality, audits, underwriting reviews, and profitability initiatives. Coordinate with product/compliance on forms, filings, and appetite updates; partner with claims on loss trends and loss‑control actions;
  
  oversee data hygiene and reporting in the policy administration/rating/CRM systems.
• New Business (Production & Underwriting):
  Provide world‑class service to contracted broker/agency partners and provide swift, high‑quality indications and quotes; triage submissions, request missing information, and perform full technical underwriting (pricing, coverage structuring, terms/conditions); evaluate COPE data, schedules of locations, valuations, loss history, and inspection reports; apply catastrophe modeling/aggregations as needed; negotiate terms with brokers while maintaining underwriting discipline and target…