Senior Commercial Underwriter, Underwriting Intelligence

The role

You will build underwriting frameworks, routing constraints, and appetite rules to encode risk judgment into an AI-native product. You will review live risk, audit system decisions, and work with product and engineering teams to scale underwriting reasoning.

What you will do

• Review live risk to catch missing context or weak assumptions
• Build underwriting frameworks defining operations, exposures, and controls
• Set routing constraints with source and rationale
• Encode judgment into the product via intake questions and appetite rules
• Reason about carrier fit and evidence
• Audit system decisions to ensure they are faithful to source records
• Coach placement specialists, account teams, and product partners

Required qualifications

• 4+ years of commercial underwriting with meaningful specialty commercial or excess and surplus exposure
• Experience handling messy risks and imperfect submissions at an MGA, MGU, wholesaler, specialty carrier, program administrator, or similar
• Breadth across commercial lines or risk categories
• Ability to express underwriting judgment as source-backed rules, examples, and escalation conditions
• Hold, or can quickly earn, the insurance licenses or credentials the work requires

Nice to have

• product-curious

Benefits

• Health, dental, and vision insurance
• Meals provided — breakfast, lunch, and dinner
• Snacks, drinks, and coffee stocked daily
• Commuter benefits
• Free gym membership

Before you apply

• Send your resume and one underwriting example
• The job is on-site in New York or San Francisco
• The role involves long days and high intensity

About the company

Harper is an AI-native commercial insurance company in San Francisco rebuilding the business as software.