Underwriter - Belgium

Luko is hiring!


About us

Luko is the fastest growing Insurance in Europe and France’s #1 Neo Insurance. Luko is launching its second country as part of its international expansion: Belgium.

Today, Luko's mission seems obvious: to transform insurance from an industry perceived as a necessary evil to a service that truly protects.

Beyond the protection of individuals, insurance must serve society. It should be an ally to the planet and to its environmental issues.

We believe that insurance must be simple, transparent and useful.

Our obsession? Delivering an incredible insuree experience. Luko is not just about insuring, but also about preventing issues. We are building the best AI-powered technologies to avoid accidents in every European home.

In 3 years, we have convinced over 150,000 users to trust us. We are backed by some of the most incredible VCs (EQT Ventures, Accel, Founders Fund, Speed Invest, Xavier Niel, etc.) and raised more than 70M€ in Series A & B.

We are a team of 130+ ambitious and creative talents eager to reinvent an entire industry. We are looking for other impact-driven talents to scale Luko across Europe. We are committed to equal access to employment, inclusion and diversity within the teams.

Luko's organisation

At Luko, Lukooms’ forces are divided into 3 tribes, set up on a product-based organisation. Each tribe has its own roadmap with a product manager and a dedicated tech team: The MRR tribe that focuses on Luko’s growth via the acquisition of new customers, the NPS tribe is aimed at delighting our users throughout the whole life of their contract - claims included, and the TPM tribe that works on building the best-connected devices and services to protect our homes.

Are you ready to join our journey?

Job Description

Your mission at Luko in Belgium, as part of the Insurance team

As the master of insurance products, you know our competitors' home insurance products and our Luko's General Conditions by heart. You're willing to challenge the industry's status quo and wish to create a fair, transparent and understandable product for our clients.

You will be the one building Luko's Belgium insurance products.

Internally, you are the "go-to" person for any question about warranties, processes and coverage limits.

You will notably:

  • Create insurance products for households and real estate: home insurance (main residence, secondary home,...), rent guarantee, building insurance, non-occupying landlords
  • Perfectly master our insurance products (general T&C, regulation, case law)
  • Constantly benchmark to ensure Luko’s insurance products are as fair, simple and transparent as possible and adapted to the Belgium market
  • Work hand in hand with Luko’s potential partners (third party administrator (TPA), risk carriers…) to ensure information is seamlessly shared between them and Luko
  • Contribute to our customer-centric mindset by spreading your technical knowledge across Luko and make sure our insurance products are fully mastered by claims managers, customer services agents and all other Luko teams (ensure technical support and training)
  • Identify the risks related to the insurance warranties, the subscription flow, the legal feasibility and define mitigation actions
  • Work hand in hand with the tech team and the designers to build and display our insurance product in a transparent and simple way, to help our clients understand what they are signing for

Preferred Experience

Who are you?

Must have;

  • Solid experience in multi-risk insurance product management, either as an underwriter, insurance specialist, claims management or a similar role
  • An expert in insurance law and confident with contract writing (General Conditions, Particular Conditions etc)
  • In-depth home insurance knowledge, some experience within claims would be a huge advantage
  • Comfortable working in international, fast-paced environments
  • Customer-centric mindset, hands-on, autonomous, proactive and can-do attitude
  • A willingness to contribute in other areas; supporting CS, claims and be the owner of contract drafting etc
  • Highly organised and resourceful, used to working to tight deadlines


  • Fluent in Flemish and English, French would be a plus

Nice to have;

  • Experience working as a claims manager or within a claims related role
  • Content writing skills, supporting with marketing or CS material

What we offer

  • Be part of the fastest growing insurtech in Europe
  • Benefit from a great equity plan
  • Nice perks (meal vouchers, unlimited days off, etc.)
  • Evolve in a stimulating and challenging environment
  • Share and learn with a passionate and diverse team
  • Friendly team in Paris, Madrid and now Brussels
  • Remote friendly (from full to occasional remote possibilities)

You've read all the way, you may as well apply!

Our company-wide communication language is English (written & spoken).
We would therefore appreciate it if you could send us your application's content (CV, cover letter, portfolio...) in english. But if you can't, a french-speaking Talent Acquisition Manager will review your application.

If you have any questions take a look at our Luko open handbook HERE to find out more about who we are, what we do and how we work

Recruitment Process

  • Screening call with Vianney Sotteau (Insurance Analyst) or Alexia Martinet (International Expansion Lead)
  • 2nd Interview with Julien Gigoi (Chief Actuary)
  • Case study & review with Julien Gigoi & Vianney Sotteau
  • HR/Behavioral interview with Serena Pettitt (Recruiter)
  • Culture-fit with Raphael Vullierme (Cofounder)

Additional Information

  • Contract Type: Full-Time
  • Location: Brussels, Belgium (1000)
  • Experience: > 3 years
  • Possible full remote
  • Salary: between 45€ and 55€ / year