Underwriter Jobs in San Francisco, CA
Underwriter jobs in San Francisco concentrate in the Financial District, SoMa, and the Civic Center corridor, where insurers, specialty lenders, and financial technology firms keep steady demand for underwriting talent. Roles open regularly with Allianz, Risksmith Insurance Services, and Chubb. Scan the live roles below and apply to whichever ones fit.
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About Delos Insurance Solutions
Delos Insurance Solutions is a tech-enabled MGA focused on underwriting complex homeowners risks, particularly in catastrophe-exposed regions. We combine proprietary risk models with a modern tech stack and deep insurance expertise. Backed by top-tier VCs, we’re growing rapidly and are looking for high-impact team members to help us scale.
An active California Property & Casualty (P&C) license is required for this position
Key Responsibilities
Core Underwriting Execution
- Review, assess, and underwrite new business and renewal submissions across homeowners and other residential property lines.
- Handle ongoing underwriting work, including inspection reviews, endorsements, system tasks, and related activities.
- Meet established production expectations for the Associate Underwriter function.
- Apply sound judgment when evaluating property risk characteristics in relation to underwriting guidelines and risk appetite.
- Identify and select profitable risks aligned with company goals while avoiding adverse selection.
Authority Level
- Adhere to established underwriting and process guidelines, including applicable effective-date requirements.
- Refer guideline exceptions to an Underwriter or Senior Underwriter for approval.
Agent Communication
- Serve as an underwriting contact for appointed agents by responding to questions, clarifying risk appetite, and supporting quality submissions.
- Provide timely and professional communication to external distribution partners and internal stakeholders.
- Collaborate with the distribution team to provide underwriting support or training as needed.
Required Skills and Experience
- Active California Property & Casualty (P&C) license required.
- 2–4 years of property underwriting or related personal lines insurance experience, preferably focused on homeowners, dwelling fire, or other residential property lines.
- Experience with risk selection, underwriting execution, claims, customer service, or other related personal lines insurance functions.
- Strong communication skills with a customer-service mindset when working with agents and producers.
- Experience using underwriting platforms, exposure tools, or BI dashboards.
- Ability to manage multiple priorities and collaborate effectively.
- Strong attention to detail and sound judgment in balancing risk and business objectives.
- Proficiency with Excel, Word, PowerPoint, Adobe, and other standard business software.
Preferred Skills and Experience
- Industry designations such as CPCU or ARM.
- Familiarity with California property underwriting.
- Familiarity with wildfire, hurricane, or other catastrophe-exposed risks.
- Experience within MGA, E&S, or non-admitted environments.
- Commercial property experience.
- Interest in improving underwriting workflows and processes.
- Interest in how climate and data are reshaping insurance risk.
Contract Details
- Temporary independent contractor engagement.
- Anticipated workload of approximately 30–40 hours per week.
- Contract expected to continue through December 31, 2026.
- This is a 1099 independent contractor position and is not eligible for employee benefits.
The pay range for this role is:
45 - 60 USD per hour(San Francisco, CA)
About Delos Insurance Solutions
Delos Insurance Solutions is a tech-enabled MGA focused on underwriting complex homeowners risks, particularly in catastrophe-exposed regions. We combine proprietary risk models with a modern tech stack and deep insurance expertise. Backed by top-tier VCs, we’re growing rapidly and are looking for high-impact team members to help us scale.
An active California Property & Casualty (P&C) license is required for this position
Key Responsibilities
Core Underwriting Execution
- Review, assess, and underwrite new business and renewal submissions across homeowners and other residential property lines.
- Handle ongoing underwriting work, including inspection reviews, endorsements, system tasks, and related activities.
- Meet established production expectations for the Associate Underwriter function.
- Apply sound judgment when evaluating property risk characteristics in relation to underwriting guidelines and risk appetite.
- Identify and select profitable risks aligned with company goals while avoiding adverse selection.
Authority Level
- Adhere to established underwriting and process guidelines, including applicable effective-date requirements.
- Refer guideline exceptions to an Underwriter or Senior Underwriter for approval.
Agent Communication
- Serve as an underwriting contact for appointed agents by responding to questions, clarifying risk appetite, and supporting quality submissions.
- Provide timely and professional communication to external distribution partners and internal stakeholders.
- Collaborate with the distribution team to provide underwriting support or training as needed.
Required Skills and Experience
- Active California Property & Casualty (P&C) license required.
- 2–4 years of property underwriting or related personal lines insurance experience, preferably focused on homeowners, dwelling fire, or other residential property lines.
- Experience with risk selection, underwriting execution, claims, customer service, or other related personal lines insurance functions.
- Strong communication skills with a customer-service mindset when working with agents and producers.
- Experience using underwriting platforms, exposure tools, or BI dashboards.
- Ability to manage multiple priorities and collaborate effectively.
- Strong attention to detail and sound judgment in balancing risk and business objectives.
- Proficiency with Excel, Word, PowerPoint, Adobe, and other standard business software.
Preferred Skills and Experience
- Industry designations such as CPCU or ARM.
- Familiarity with California property underwriting.
- Familiarity with wildfire, hurricane, or other catastrophe-exposed risks.
- Experience within MGA, E&S, or non-admitted environments.
- Commercial property experience.
- Interest in improving underwriting workflows and processes.
- Interest in how climate and data are reshaping insurance risk.
Contract Details
- Temporary independent contractor engagement.
- Anticipated workload of approximately 30–40 hours per week.
- Contract expected to continue through December 31, 2026.
- This is a 1099 independent contractor position and is not eligible for employee benefits.
The pay range for this role is:
45 - 60 USD per hour(San Francisco, CA)
See All 140+ Underwriter Jobs in San Francisco
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Find Underwriter JobsUnderwriter Job Market in San Francisco
Who's Hiring
- Allianz20
- Risksmith Insurance Services20
- Chubb10
- Stripe10
- The Hartford10
Top Industries Hiring
- Insurance30
- Banking & Financial Services10
- Investment & Asset Management10
Underwriter Jobs in San Francisco: Frequently Asked Questions
How do I get a underwriter job in San Francisco?
San Francisco's underwriting market is driven by its dense concentration of insurance carriers, specialty lenders, and fintech firms, particularly in the Financial District and SoMa. Candidates who stand out typically bring experience in commercial lines, mortgage, or technology-sector risk, which aligns with the city's dominant industries. Familiarity with high-value property and complex commercial accounts is a genuine differentiator for roles tied to San Francisco's real estate and tech economy.
Which companies hire underwriters in San Francisco?
Companies currently hiring underwriters in San Francisco include Allianz, Risksmith Insurance Services, and Chubb, per current listings on Migrate Mate as of September 2026. San Francisco's market includes a mix of major national carriers with regional offices, specialty surplus lines insurers, and fintech lenders that handle underwriting in-house.
Are there remote underwriter jobs in San Francisco?
Yes, though availability depends on the specialty: analytical roles such as personal lines and mortgage underwriting tend to be more remote-friendly, while commercial property and construction underwriting more often require in-office collaboration. About 44% of underwriter openings tied to San Francisco are remote or hybrid as of September 2026, reflecting a market that has broadly embraced flexible arrangements for desk-based underwriting functions.
How can I get a underwriter job in San Francisco with little or no experience?
The most realistic entry path in San Francisco is landing an underwriting assistant or junior analyst role at one of the city's insurance carriers or specialty lenders in the Financial District, where structured training programs exist for candidates with strong analytical skills. Community college insurance programs and associate-level roles in claims or risk analysis also provide a direct lateral move into underwriting at local firms that prefer to promote from within.
Which industries hire the most underwriters in San Francisco?
San Francisco underwriter roles concentrate in Insurance, Banking & Financial Services, and Investment & Asset Management, based on current listings on Migrate Mate as of September 2026. San Francisco's position as a hub for technology companies, commercial real estate, and specialty financial services creates consistent demand across those sectors for underwriters who can assess complex, high-value risk.
Related Jobs in California
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