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Founding Underwriter at Hedge — Hacklab

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Hedge

Founding Underwriter

Full-time
On-site · San Francisco - In Office
$125K - $250K

Posted November 2, 2026

LBLuke ButtonHiring for this role

Apply on YC (opens in a new tab)

Apply on YC · Original job listing

Role: Operations
Experience: Any (new grads ok)
Visa: US citizen/visa only

THE OPPORTUNITY

Hedge is hiring a founding underwriter to combine sound risk judgment with the operating discipline and product thinking required to scale. You will help agencies understand appetite, improve submission quality, structure placements, and turn underwriting knowledge into repeatable systems.

COMPENSATION AND OWNERSHIP

Base salary is $125K-$250K. Equity is 0.25%-1.50%. Final placement reflects underwriting depth, line expertise, authority, and the operating scope you can own.

WHAT YOU WILL OWN

Evaluate commercial risks, exposures, controls, and submission quality
Match risks to appropriate carrier, MGA, and program appetite
Work with agencies and brokers to close information gaps and structure strong submissions
Negotiate terms and clearly communicate coverage, conditions, and tradeoffs
Build underwriting guidelines, decision tools, and feedback loops into Hedge's platform
Track outcomes and improve risk selection, turnaround time, and placement quality

WHAT SUCCESS LOOKS LIKE

First 30 days: master Hedge's current markets, appetite, workflows, and quality gaps
By day 60: own underwriting and placement decisions for a defined segment

By day 90: improve submission quality or turnaround time in a measurable way

In 12 months: help build a scalable underwriting function with trusted judgment and clear economics

WHO THRIVES HERE

You have at least three years of commercial underwriting or closely related placement experience. You can make and explain decisions, handle ambiguity, and turn tacit knowledge into process without reducing underwriting to a checklist.

WHY HEDGE

Hedge is building the operating system for commercial insurance distribution. You will work directly with the founders, own a consequential part of the company, and help define how the function works as we scale. We offer health benefits and meaningful equity.

WORK MODEL

This role is based in San Francisco and works in person with the team six days a week.

INTERVIEW PROCESS

Application review
A focused introductory conversation
A role-specific deep dive
A practical underwriting case discussion based on a realistic Hedge scenario
Final conversation with the founders

Hedge is an equal opportunity employer. We evaluate candidates based on ability, judgment, and potential, and we do not discriminate based on protected characteristics.

Source: Y Combinator job 106791. Listed on YC when retrieved 2026-11-02.