Insurance Underwriter – Excess & Specialty

Nextmark; Northern (KY); On-site; USD 120,000 - 160,000; Full time

Job summary

Nextmark.ai is seeking an Insurance Underwriter focused on Excess & Specialty to evaluate complex US risk scenarios and structure precise coverage. You will interpret policy language, assess compliance, and provide detailed feedback to support AI training data.

Ideal candidates bring 4–5+ years in commercial lines underwriting, with strong P&C knowledge, and proven ability to communicate nuanced underwriting concepts remotely across teams and clients in the US market.

Qualifications

• 4–5+ years of hands-on underwriting experience in commercial lines, specialty insurance, excess casualty, or umbrella products.
• In-depth understanding of commercial P&C, liability coverage, and policy evaluation best practices.
• Demonstrated expertise in policy interpretation, insurance compliance, and comprehensive coverage analysis.
• Experience working with insurance operations in complex or specialty risk environments.
• Excellent written and verbal communication skills, with the ability to articulate nuanced underwriting concepts.
• Proven track record within the US insurance market or with US-based clients and frameworks.

Responsibilities

• Leverage underwriting expertise to evaluate complex commercial and specialty risk scenarios in the US insurance market.
• Analyze, interpret, and structure coverage for excess and specialty lines, focusing on liability, umbrella, and unique risk categories.
• Assess policy language and provide nuanced feedback on policy interpretation and coverage analysis.
• Identify risk factors, apply sound underwriting judgement, and ensure compliance with industry standards and insurance regulations.
• Support the development of AI training data by contributing real-world insights on underwriting practices and coverage operations.
• Collaborate in a remote environment, providing clear, effective written and verbal communication to enhance AI system understanding.
• Share insight into evolving trends, emerging risks, and innovations within specialty and excess insurance lines.

Skills

Underwriting experience

P&C & liability knowledge

Policy interpretation

Specialty risk environments

Communication skills

US market experience

Job description

Insurance Underwriter – Excess & Specialty

In this role, you'll apply your expertise to help train next-generation AI systems. Your work will shape how models learn, reason, and perform through high-quality, real-world input. No prior experience in AI is required — your domain knowledge is what matters.

Key Responsibilities

• Leverage your extensive underwriting expertise to evaluate complex commercial and specialty risk scenarios in the US insurance market.
• Analyze, interpret, and structure coverage for excess and specialty lines, focusing on liability, umbrella, and unique risk categories.
• Assess policy language and provide nuanced feedback on policy interpretation and coverage analysis.
• Identify risk factors, apply sound underwriting judgement, and ensure compliance with industry standards and insurance regulations.
• Support the development of AI training data by contributing real-world insights on underwriting practices and coverage operations.
• Collaborate in a remote environment, providing clear, effective written and verbal communication to enhance AI system understanding.
• Share insight into evolving trends, emerging risks, and innovations within specialty and excess insurance lines.

Required Skills & Qualifications

• 4–5+ years of hands-on underwriting experience in commercial lines, specialty insurance, excess casualty, or umbrella products.
• In-depth understanding of commercial P&C, liability coverage, and policy evaluation best practices.
• Demonstrated expertise in policy interpretation, insurance compliance, and comprehensive coverage analysis.
• Experience working with insurance operations in complex or specialty risk environments.
• Excellent written and verbal communication skills, with the ability to articulate nuanced underwriting concepts.
• Proven track record within the US insurance market or with US-based clients and frameworks.

Preferred Qualifications

• Prior exposure to emerging risk types, complex liability structures, or innovative coverage solutions within excess & specialty lines.
• Experience collaborating on cross-functional teams or contributing to process improvement initiatives in insurance operations.
• Global candidates with deep familiarity with US underwriting standards and commercial insurance practices are strongly encouraged to apply.