Insurance Underwriter - Risk Specialist

Mercor; San Francisco (CA); Hybrid; GBP 68,000 - 97,000; Part time

Job summary

Mercor is seeking an Insurance Underwriting Specialist for a remote contract engagement. The role focuses on designing risk scenarios, underwriting decisions, and detailed policy analyses to support AI-assisted underwriting. Immediate start with a commitment of 20–40 hours per week.

The ideal candidate has 2+ years of underwriting experience, a strong ability to articulate pricing rationales, and superior written analysis. CPCU/CLU or equivalent credentials are preferred.

Qualifications

• 2+ years of professional underwriting experience.
• Ability to analyze policy provisions, exclusions, endorsements, and pricing factors.
• Excellent written analysis, balanced judgment, and attention to detail.
• Able to distinguish underwriting decisions from sales/agent recommendations and from formal legal advice.

Responsibilities

• Design risk scenarios including risk selection, exposure analysis, pricing, and coverage determinations.
• Create underwriting decisions, risk assessments, rating rationales, coverage analyses, and referral write-ups.
• Write high-quality reference responses at expert underwriting-professional level.
• Grade AI-generated responses for risk-selection accuracy, provision interpretation, pricing correctness, and sound judgment.
• Identify misread policy language, flawed risk classifications, and gaps in documented rationale.
• Provide written feedback to the research team to improve model behavior.

Skills

Underwriting experience

Policy provisions & exclusions

Risk assessment & pricing judgment

Written communication & analysis

Attention to detail

Education

CPCU/CLU/AINS/ARM/AU/FALU or equivalent credential

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: Insurance Underwriting Specialists
Type: Contract
Compensation: $80/hour
Location: Remote
Commitment: 20–40 hours/week

Role Responsibilities

• Design realistic scenarios involving risk selection, exposure analysis, policy terms, exclusions, endorsements, pricing, and coverage determinations.
• Create work products such as underwriting decisions, risk assessments, rating rationales, coverage analyses, and referral write-ups.
• Write "golden" reference responses at experienced underwriting-professional quality.
• Grade AI-generated responses against structured rubrics for risk-selection accuracy, provision interpretation, pricing correctness, and sound judgment.
• Identify misread policy language, flawed risk classifications, incorrect pricing math, and gaps in documented rationale.
• Provide written feedback the research team uses to improve model behavior.

Qualifications

Must-Have

• 2+ years of professional experience in insurance underwriting (any line).
• Understand how policy provisions, exclusions, endorsements, and rating factors determine coverage and price.
• Can weigh risk, exposure, and financial evidence and articulate a defensible decision with a documented rationale.
• Demonstrate excellent written analysis, balanced judgment, and high attention to detail.
• Can distinguish underwriting decisions from sales/agent recommendations and from formal legal advice.

Preferred

• CPCU, CLU, AINS, ARM, AU, FALU, or comparable industry credential.
• Experience across multiple lines of business or specialty risks.
• Reinsurance, treaty, or facultative underwriting experience.
• Actuarial, pricing, or catastrophe-modeling exposure.
• Experience with regulatory filings, compliance, or audit review.

Start Date

• Immediately; applications reviewed on a rolling basis.

Resources & Support

• For details about the interview process and platform information, please check: https://talent.docs.mercor.com/welcome
• For any help or support, reach out to: [e-mail]