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Underwriting Analyst

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At Spot, we know that just about everyone thinks insurance has never been cool or exciting. It’s boring, complicated, and something we all hope we never use. That’s why we’re turning the insurance industry on its head by building the first lifestyle brand in the insurance world, encouraging our customers to live life to the fullest knowing we’ve got their back.

Spot is the first insurance company that helps its customers have fun while taking risks, whether learning how to ski, riding a local mountain bike trail, or training to summit Everest. We cover people’s medical bills when shit hits the fan.

We were founded by avid skiers, cyclists, and outdoor enthusiasts, so we understand the risks that come with the territory. When bad things happen, dealing with insurance can make it worse. We believe our community deserves something better. 

With over a million customers and growing, we have no intention of slowing down.

Our Team

We believe in the importance of culture and community and that teams thrive when working in alignment.

Key Values for This Role

  1. Attention to detail
  2. Timeliness and follow through
  3. Creative thinker and solution oriented
  4. Highly analytical and comfortable with numbers
  5. Collaborative 
  6. Empathetic

Functional Competencies

  1. Strong communication skills and able to negotiate dynamics between different individuals and their respective interests. 
  2. Able to break complex ideas and topics down into digestible parts.
  3. Ability to build strong relationships across teams 
  4. Develop a comprehensive knowledge of our insurance products over time
  5. Become the Subject Matter Expert (SME) and provide consultative guidance on insurance products within the company
  6. Serve as the go-to resource for sharing critical information and fostering informed decision-making
  7. Ability to learn quickly and turn knowledge into action, whether it’s understanding a carrier’s underwriting framework or how Spot tracks information and works between teams
  8. Ability to conceptualize and analyze problems and solutions in a proactive, constructive and creative manner
  9. Able to look at a pile of data and make sense of it - including the capability of building out spreadsheets and trackers to stay organized

Why This Role Is Important to Us

This position is integral to the success of not only the Finance team but the company as a whole. Reporting to the Director of Strategic Finance, this individual will be critical in supporting our sales and partnerships teams, determining our partner’s risk factors and helping establish different coverage types. This role will help shape the future of the Group portfolio, providing strategic recommendations on optimization and growth.

This role isn’t your conventional underwriter position. Instead, it breaks the mold by embracing a fresh and innovative approach to risk assessment and management. At Spot, we’re all about challenging norms and redefining expectations in the insurance industry, making this opportunity anything but traditional.


  • Act as the point of contact between Spot sales and partnership teams and Carrier underwriting teams
  • Review all new business quote requests, share perspective on customer pricing that meets financial targets, and provide technical underwriting assistance to the sales team
  • Take proactive measures to address renewals efficiently and offer valuable insights and perspective on strategies and forward-looking approaches
  • Think critically about customer situations and be a habitual problem solver in helping groups better provide value to their end customers through Spot group policies
  • Deliver strategic ideas and solutions to innovate on how group is considered today vs. “tomorrow”
  • Maintain strong industry knowledge on Accident & Health (specifically AME) underwriting expertise and new trends
  • Conduct thorough analysis of various insurance programs and product performance (projections vs actual bookings and premium collected) 
  • Provide actionable insights to enhance the performance and effectiveness of insurance offerings
  • Collaborate with the team to identify opportunities for improvement and optimization

Who You Are

  • 2-3 years of insurance experience, preferably underwriting in A&H and group.
  • Experienced with data analysis and Excel
  • A tech-savvy individual with a forward-thinking mindset, adept at utilizing carrier portals to extract and analyze data
  • Comfortable navigating technological platforms to gather essential information for analysis
  • Creative minded with a willingness to think outside of the box
  • Self starter but someone who enjoys collaboration and teamwork
  • Possesses the resilience and flexibility to operate effectively in highly ambiguous circumstances
  • Effective communicator who can easily communicate complex analysis, solutions, limits, and options to non-insurance professionals
  • Analyzing data comes easy to you, you can slice and dice it 

A Typical Day Looks Like

  • Working with sales and partnership teams to think about the risk dynamics of a group partner 
  • Analyze and audit experience data to provide pricing / plan optimizations and future policy decisions within a category
  • Own external communications with insurance partners through policy quoting and alignment
  • Brainstorm new data sets that may be valuable to underwriting group risk

Systems & Tools

  • Excel
  • Google Suite
  • Tableau (preferred)

Things You Might Brag About

  • You get shit done
  • You care about the little things and perfection is something you like to strive for
  • You marvel at the data when creating new and exciting products
  • You’re a creative wizard, always thinking up new and exciting ideas

Like we’ve said before, we believe our community deserves something better! Our view of diversity goes beyond visible differences and includes unique backgrounds, ideas, experiences and perspectives. We are so proud to be an equal opportunity employer, and in no way will we discriminate in our hiring process based on a person’s race, color, religion, sex (including pregnancy, transgender status, and sexual orientation), national origin, age, disability, genetic information or any other legally protected characteristics. We believe strongly that education comes in many forms and in most cases do not require a formal degree for employment at Spot. We also consider qualified applicants regardless of criminal histories, consistent with legal requirements.

We care deeply about our Spot people who are dedicated to revolutionizing the distribution of insurance, the industry and the world! That’s why we are dedicated to providing benefits with you, your family, and your life in mind. We offer a various array of benefits including a relaxed PTO policy, medical, dental and vision insurance, 401k, paid holidays, bereavement, and parental leave. All Spot employees receive equipment for their remote setup, and a Spot Injury plan in case shit does hit the fan!

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