Senior UAS (Drone) Underwriter

Job Summary
The Senior Underwriter will play a key role in the growth and development of TMH’s UAS insurance portfolio and broader digital aviation capabilities. Working closely with aviation and insurance leadership, this individual will combine underwriting, broker and client engagement, product development, portfolio management, and digital innovation responsibilities.
The role will include underwriting UAS hull and liability risks across both digitally traded and individually underwritten business, while helping shape underwriting strategy, coverage, pricing, distribution, and profitable portfolio growth. The Senior Underwriter will also work across underwriting, actuarial, claims, operations, compliance, and technology to develop and improve digital underwriting journeys, rating methodologies, referral criteria, automated underwriting rules, and new products.
We are seeking an individual with deep knowledge of the commercial drone industry and a strong understanding of aviation exposures, regulation, and emerging technology. While prior insurance underwriting experience is valuable, we are also interested in candidates with significant operational, technical, regulatory, or business experience within the commercial UAS ecosystem who are interested in applying that expertise to insurance.
Location:
Preferred: Frisco, TX (hybrid, 2-3 days/week in office)
Also open to: Chicago, IL
Exceptional candidates in other U.S. locations may be considered on a remote basis
Key Responsibilities
Assess and underwrite individual UAS risks, including operating profiles, aircraft characteristics, insured values, liability exposures, geographic exposures, regulatory considerations, and other relevant risk factors, and establish appropriate terms, conditions, coverage, and pricing within assigned authority
Develop and execute broker and partner distribution strategies, with a focus on enterprise fleets and specialty aviation risks to drive production and market penetration
Define and refine target segments, including utilities, infrastructure, energy, and commercial fleet operators, to optimize portfolio mix and premium growth
Own underwriting performance across assigned segments, including growth, profitability, pricing adequacy, and portfolio composition
Translate underwriting strategy and risk appetite into disciplined underwriting guidelines, coverage structures, rating logic, underwriting questions, referral rules, and scalable product frameworks for both digitally traded and traditionally underwritten business.
Contribute to pricing strategy, including usage-based and exposure-driven rating approaches, in partnership with actuarial and aviation leadership
Oversee digital underwriting execution, ensuring alignment with guidelines, authority, and portfolio objectives while optimizing throughput and efficiency
Monitor portfolio performance and emerging risk trends, including premium, exposure concentrations, profitability, loss experience, retention, pricing adequacy, and evolving aviation and UAS exposures, and recommend adjustments to strategy and appetite.
Lead ongoing product refinement, including updates to forms, coverage, and underwriting guidelines based on market feedback and performance insights
Partner cross-functionally with product, operations, claims, compliance, and technology teams to ensure alignment between underwriting intent, execution, and customer experience
Collaborate with operations and technology to enhance onboarding, policy issuance, and digital platform capabilities
Engage with claims to ensure underwriting assumptions and coverage intent are reflected in claims outcomes and feedback loops inform underwriting improvements
Maintain deep awareness of aviation regulations, UAS operating standards, and technological advancements to inform underwriting strategy and product evolution
Lead or participate in the development, testing, launch, and ongoing optimization of digital underwriting products, using underwriting results, customer behavior, operational feedback, and market response to recommend enhancements.
Represent TMH in broker and client meetings, industry conferences, and other relevant market forums, and contribute to presentations, product materials, market updates, and thought leadership.
Experience and Skills
Required
10+ years of UAS/Drone underwriting experience exposure to OR equivalent experience operating, managing, consulting, engineering, regulating, or supporting commercial UAS programs
Strong understanding of aviation risk fundamentals, coverage structures, and underwriting principles across commercial and enterprise risks
Demonstrated ability to build and maintain relationships with key stakeholders in the drone and aviation industry
Analytical mindset with the ability to interpret portfolio data, loss trends, and market dynamics to inform underwriting and pricing decisions
Experience building or scaling a specialty insurance product or program is preferred but not mandatory
Strong cross-functional instincts and experience partnering across claims, legal, compliance, operations, and technology partners
Clear and professional communication skills, with the ability to articulate decisions and risk considerations effectively
Organized and detail‑oriented, with the ability to manage multiple priorities in a fast‑paced, evolving environment
Preferred
Experience developing or enhancing digital underwriting products, rating methodologies, automated underwriting rules, referral criteria, or other technology-enabled insurance solutions.
Direct underwriting experience involving aviation, aerospace, UAS, emerging risks, or technology-enabled specialty insurance products.
Education
Bachelor’s degree or equivalent work experience required
Active P&C insurance license(s) preferred
Professional designations (e.g., CPCU, ARM, or equivalent) preferred
Additional Job Details:
The pay range for this role is $120,000 - $150,000. This range reflects a good faith estimate of pay at the time of posting. Actual compensation will be determined based on factors such as experience, skills, knowledge, education, and internal pay equity.
About Tokio Marine Highland
Tokio Marine Highland Insurance Services (TMH) is a leading property and casualty underwriting agency. We offer a broad suite of tailored specialty risk management solutions, including private flood, fine art and lender-placed products. At TMH, it’s all about our clients. Nationwide, our customers rely on our trusted, industry-leading coverages, supported by compliance expertise, superior claims management and the highest caliber of service.
Founded in 1962, TMH is a wholly owned company of Tokio Marine Kiln, one of the largest carriers in the Lloyd’s of London insurance market and a member of the Tokio Marine Group. TMH has operating centers in Chicago, Il, Frisco, Texas, Miami, Fla., and South Pasadena, Calif.
If you’re looking to advance your career, TMH is the perfect professional home. At TMH, you’ll have a chance to innovate with the world’s leading businesses, put your expertise into action on major projects, and work on game-changing initiatives. You’ll also make long-lasting professional connections through sharing different perspectives, and you’ll be inspired by the best.
Tokio Marine Highland, LLC (TMH) is an Equal Opportunity Employer. TMH’s success depends heavily on the effective utilization of qualified people, regardless of their race, ancestry, religion, color, sex, national origin, sexual orientation, gender identity and/or expression, disability, veteran status, or any characteristic protected by law. As a company, we adhere to and promote equal employment opportunities for all.
Consistent with the Americans with Disabilities Act (ADA) and applicable state and local laws, it is TMH’s policy to provide reasonable accommodation when requested by qualified individuals with disabilities during the recruitment process, unless such accommodation would cause an undue hardship. To make an accommodation request, please contact peopleandstrategy@tmhighland.com.

Work arrangement
Yes