Underwriting Associate, Car

We’re looking for an experienced underwriting professional to join Lemonade’s Underwriting Operations, Car team.

You'll be part of our Underwriting Operations, Car team, analyzing applications and coverage requests that directly impact our ability to offer fast, fair insurance. This role sits at the heart of our business - every decision you make helps us balance great customer experience with sound risk management.

In this role you'll

• Review insurance policies for eligibility and insurability in accordance with established underwriting guidelines and risk standards

• Evaluate and process requests for coverage, ensuring accuracy and appropriate risk assessment

• Communicate underwriting decisions to customers through clear, empathetic, and informative email correspondence

• Identify trends, patterns, and recurring issues in submissions or outcomes, and provide actionable feedback to strengthen underwriting guidelines and processes

• Collaborate with AI-driven underwriting tools to enhance speed, consistency, and accuracy in risk evaluations

• Contribute to continuous improvement of the customer experience by identifying workflow friction points and recommending process enhancements across teams

What you'll need

• 1+ years of underwriting experience (preferably in Car) and 2+ years customer-service experience

• Strong analytical skills and a creative problem solving approach

• Excellent written and verbal communication skills

• Adaptability to changes in process and system functionality

• Ability to work independently and manage a personal workload

• Ability to perform repetitive, essential tasks with a high degree of accuracy

• Ability to multi-task and follow up on pending requests

• High attention to detail for repetitive, essential tasks

• Enthusiasm about learning and adapting to the exciting world of AI – a commitment to exploring this field is a fundamental part of our culture

Please note that we are unable to sponsor applicants for work visas

Unfortunately, we cannot consider applicants from these states; Colorado, California, Montana, Hawaii, New Mexico, Alaska and Puerto Rico.

Lemonade's US base salary range for this full-time position is $24.04-$27.64 per hour, plus equity + benefits. Our salary ranges are determined by role, level, and location. Within the range, individual pay is determined by work location and additional factors, including job-related skills, experience, and relevant education or training. Speak to your recruiter to hear more about the specific hourly rate for your preferred location.