Arbol is a global climate risk coverage platform and FinTech company offering full-service solutions for any business looking to analyze and mitigate exposure to climate risk. Arbol’s products offer parametric coverage which pays out based on objective data triggers rather than subjective assessment of loss. Arbol’s key differentiator versus traditional InsurTech or climate analytics platforms is the complete ecosystem it has built to address climate risk. This ecosystem includes a massive climate data infrastructure, scalable product development, automated, instant pricing using an artificial intelligence underwriter, blockchain-powered operational efficiencies, and non-traditional risk capacity bringing capital from non-insurance sources. By combining all these factors, Arbol brings scale, transparency, and efficiency to parametric coverage.

Reporting to the Chief Underwriting Officer,this senior level underwriting position provides timely and high-quality market expertise to support accurate commercial property risk selection and pricing. We’re excited about candidates with deep expertise in Florida commercial residential markets with an understanding of the unique risks and dynamics.

This role operates in an underwriting environment that is actively transforming processes into end-to-end AI automation. As we build out our AI capabilities, we’re seeking someone with deep industry knowledge that will advise and improve how we select and price risk, and manage terms and conditions.. Under limited supervision, the Senior CML Underwriter uses advanced knowledge and skills to handle complex account work, solve problems, and provide technical support. This position is required to demonstrate complex decision-making with broad limits of authority to recommend pricing and risk exceptions where appropriate to maximize and meet business plans. We’re looking for someone who thrives working collaboratively across teams and varying skill levels.

Lilypad is a coastal homeowners insurance carrier serving Florida, Louisiana, Texas, and other Gulf and Atlantic states with traditional admitted homeowners and dwelling fire policies. Lilypad was founded by Arbol, a climate risk technology company, but operates as its own carrier with its own underwriting, claims, and agent network; this role sits with Lilypad and is focused on traditional property insurance, not parametric products.