Head of Underwriting

The Role

We are looking for a Head of US Underwriting to join us at INSHUR! We’re based in New York City 🗽, with offices in LA, Dallas, UK and Netherlands and our company embraces a hybrid working model, allowing you to thrive in both collaborative office settings and the comfort of your own home 🏠. You’ll have the opportunity to work remotely while also connecting with your colleagues at our New York City office at least once a week
, fostering a dynamic and supportive environment.

You’ll be working on re-inventing insurance in exciting markets across multiple territories including the UK 🇬🇧, US 🇺🇸, and the Netherlands 🇳🇱, with plans to expand into new European countries. Supported by (and reporting to) the Director of US Insurance, you’ll be leading an underwriting team of 11.

What you'll do

As a Head of US Underwriting
, you will be responsible for managing and modernizing our core taxi book of business while driving underwriting excellence across multiple product lines. You will act as a strategic underwriting leader, ensuring manual processes are modernized for efficiency while maintaining rigorous profitability and performance standards.

You’ll be working on:

• Portfolio Modernization: Own the day-to-day manual taxi book while driving a transformational project to automate and modernize processes within the first 12 months.
• Multi-Product Authority: Overseeing underwriting for various products (Car Share, captive accounts, Ride Share, Taxi and Delivery) with a strategic mindset to manage profitability trends.
• Technical Risk Assessment: Getting "hands-on" with in-depth application reviews, assessing driver trustworthiness, and identifying data inconsistencies to ensure sound risk selection.
• Cross-Functional Product Building: Partnering closely with Actuarial and Product teams to build products, manage policy documentation, and refine rating elements for automated systems.
• Strategic People Leadership: Mentoring and developing a diverse team, ranging from manual underwriting specialists to those focused on modern, automated workflows.

We’d love to hear from you if you have…

🎯 While we prioritize aptitude and passion over a strict checklist of requirements, we've outlined a core set of skills we believe will lead to success in this role.

...these essentials to thrive in the role:

• Change Management & Digital Transformation: You have a proven ability to guide teams through significant process transformations, moving from paper-based workflows to streamlined digital automation without losing momentum.
• Commercial Auto ISO Expertise
  :
  Deep technical knowledge of commercial auto underwriting, specifically within ISO-based frameworks or complex personal lines, is vital for managing our specialized portfolios.
• Strategic Risk Expert: You can move seamlessly between granular, hands-on risk assessment and high-level strategic portfolio management to drive company goals.
• Analytical Problem Solving: You are proficient at using internal tools to identify data inconsistencies and collaborate with Actuarial teams to refine pricing and documentation.
• Seasoned People Manager: You are an experienced leader capable of managing and developing a team with diverse experience levels and skill sets.

...these additional skills that could set you apart:

• Full-Stack Carrier
  
  Experience:
  
  Experience working within a "full stack" carrier or a specialized MGA.
• High-Growth Adaptability: Experience in a startup or high-growth environment where roles are fluid and you can apply a "product manager" mindset to underwriting.

You’ll love it here if you:

💡 Thrive navigating ambiguity and finding clarity in uncertain situations.

👏 Take pride in being accountable and owning your responsibilities.

🚀 Enjoy in a fast-paced environment where change happens quickly.

🤖 Enjoy innovating with AI and other technologies to find creative solutions.

🔧 Are solutions-focused and driven to overcome challenges.

💪 Embrace resilience and adapt to setbacks with a positive attitude.

🧠 Are intellectually curious, constantly seeking to learn, explore new ideas, and not afraid to question and improve your understanding.

You may not enjoy working here if:

⏳ Prefer a more structured,…