Insurance Underwriter - Fully Remote | Up to $80/hr

mercor; San Francisco (CA); Hybrid; CAD 39,000 - 78,000; Full time

Job summary

Mercor, a San Francisco–based company connecting elite talent with AI research labs, seeks an experienced Multiline P&C Underwriter for a remote contract role. Expect 20–40 hours/week at about $80/hour, with rolling applications and immediate start.

The ideal candidate has 2+ years in P&C underwriting, experience across major segments, and a strong ability to reason about risk, policy terms, and market conditions in a fast-paced environment.

Qualifications

• 2+ years of professional P&C underwriting experience.
• Underwritten at least one major segment (personal lines, commercial property, etc.).
• Understand underwriting lifecycle from submission to renewal and nonrenewal.

Responsibilities

• Design underwriting scenarios including new business, renewals, exposure analysis, and pricing.
• Create underwriting assessments, quote rationales, requests for information, and renewal strategies.
• Write reference responses at experienced underwriter quality.
• Grade AI-generated responses for technical accuracy and risk judgment.
• Provide feedback to improve model behavior.

Skills

Underwriting (P&C)

Risk analysis

Written reasoning

Communication

Job description

About the job

Mercor connects elite creative and technical talent with leading AI research labs. Headquartered in San Francisco, our investors include Benchmark , General Catalyst , Peter Thiel , Adam D'Angelo , Larry Summers , and Jack Dorsey .

Position: Multiline P&C Underwriter. Type: Contract. Compensation: $80/hour. Location: Remote. Commitment: 20–40 hours/week.

Role Responsibilities

• Design realistic underwriting scenarios involving new business, renewals, exposure analysis, loss history, inspections, classification, pricing, limits, deductibles, exclusions, and referral decisions.
• Create work products such as underwriting assessments, quote rationales, information requests, declination explanations, renewal strategies, and risk-improvement requirements.
• Write "golden" reference responses at experienced underwriter quality.
• Grade AI-generated responses against structured rubrics for technical accuracy, consistency, risk judgment, and adherence to underwriting guidelines.
• Identify unsupported assumptions, inadequate risk differentiation, incorrect use of policy terms, and inappropriate acceptance or declination decisions.
• Provide written feedback the research team uses to improve model behavior.

Qualifications Must-Have

• 2+ years of professional P&C underwriting experience.
• Underwritten at least one major segment, such as personal lines, commercial property, general liability, commercial auto, package, umbrella/excess, professional liability, cyber, or another specialty line.
• Understand the underwriting lifecycle from submission and assessment through quotation, binding, renewal, and nonrenewal.
• Explain how account characteristics, jurisdiction, peril, loss experience, and market conditions affect underwriting decisions.
• Demonstrate strong written reasoning, sound risk judgment, and high attention to detail.
• Separate underwriting decisions from claims handling, brokerage advice, and actuarial portfolio analysis.

Preferred

• CPCU , AU , ARM , or comparable insurance designation.
• Multiline underwriting authority.
• E&S, MGA/MGU, Lloyd's, or program-business experience.
• Catastrophe-exposed property or high-severity casualty experience.
• Experience with small commercial, middle-market, national-account, or high-net-worth segments.

Start Date

• Immediately ; applications reviewed on a rolling basis.

Compensation & Legal

• Hourly contractor , Paid weekly via Stripe Connect .