Principal, Insurance Coverage & Data Ontology

Bold Penguin; Dublin (OH); Remote; USD 160,000 - 220,000; Full time

Benefits offered by this job

Annual performance bonus

Medical, Dental, Vision insurance

401(k) with company match

Parental Leave

Disability and Life Benefits

Job summary

Bold Penguin is a leading digital broker for commercial insurance. The role focuses on owning the coverage ontology, developing ISO rubrics, and aligning form registries to support broker proposals, quotes, and tower analysis with audit-ready governance.

Reporting to and collaborating with brokers, underwriters, and carriers, you will translate expert coverage judgment into scalable, versioned data structures used by AI-powered tools, while maintaining high standards of accuracy and governance.

Qualifications

• 10+ years' experience in commercial insurance coverage.
• JD preferred.
• Deep working knowledge of ISO standard forms and endorsements across lines.

Responsibilities

• Own the coverage ontology end to end, including entity model and clause taxonomy.
• Build and maintain ISO rubrics for classification and comparison.
• Establish registries for forms, editions and endorsements, including versioning and change control.
• Develop form templates and delta structures to compare carrier wording.
• Define coverage logic for multi-carrier quote comparison and policy verification.
• Partner with product and engineering to translate ontology into schemas and interfaces.

Skills

Commercial insurance

ISO forms & endorsements

Ontology & data taxonomy

Engineering/exec communication

AI/ML concepts familiarity

Education

JD preferred

Job description

Location

• LocationRemote - United States
• Base Pay$160,000.00 - $220,000.00 / Year
• Other CompensationAnnual Performance Bonus Eligible
• Relocation Expense CoveredNo
• Employee TypeFT Exempt
• Travel5%
• Manage OthersNo

YOUR ROLE

As the Principal, Insurance Coverage & Data Ontology, you are the authority on how insurance coverage is represented inside the Digital Exchange, powered by DeX ai. You own the coverage ontology that our Coverage Intelligence agents reason against: the ISO rubrics, form and endorsement registries, form templates, and NAICS overlays that make it possible to analyze policy wording at the clause level. Your work is what allows an agent to compare coverage across carriers during quote analysis, reconcile a quote against the bound and issued policy, assemble a broker proposal, and analyze a tower layer by layer. Working with product management, engineering, data science, and directly with brokers, underwriters, and carriers, you translate the way experienced coverage professionals read a policy into a structure that a system can apply consistently, at scale, and with a defensible audit trail. This role pairs deep coverage judgment with the discipline to maintain that judgment as a versioned, governed asset rather than a one-time deliverable.

WHAT YOU'LL DO

• Own the coverage ontology end to end, including the entity model, clause taxonomy, and the relationships among coverage grants, exclusions, conditions, definitions, limits, sub limits, retentions, and triggers.
• Build and maintain ISO rubrics that define how standard form language is classified, scored, and compared, and extend those rubrics to AAIS, proprietary, and manuscript wording.
• Establish and steward the form, edition, and endorsement registries, including carrier variants, effective dates, supersession, versioning, review cadence, change control, and deprecation.
• Develop form templates and delta structures so a carrier's wording can be diffed against a base form and the coverage consequence of each variation is explicit rather than implied.
• Build NAICS and class of business overlays that connect exposure to the coverage a risk in that class should be expected to carry, and keep those overlays current as appetite and market wording shift.
• Define the coverage logic behind agent use cases: multi-carrier quote comparison, quote to bound and issued policy verification, broker proposal preparation, and tower analysis across attachment points, follow form and differing terms, drop down, and exhaustion.
• Serve as ground truth for model development. Build gold standard labeled sets and evaluation sets for clause extraction, classification, comparison, and adjudicate disputed output.
• Set the accuracy bar for coverage output, define what a material miss looks like, and drive the review loop that closes the gap between agent output and expert judgment.
• Partner with product management and engineering to carry the ontology into schemas, data contracts, prompts, and interfaces, and to keep the model in the product aligned with the model of record.
• Identify gaps between the ontology and real customer requirements across Submission Ingestion, Market Intelligence, Market Access, and Coverage Intelligence, and carry durable requirements into the roadmap.
• Partner with Legal, Compliance, and Security on AI governance, documentation, and disclosure standards for coverage analysis, including how conclusions are sourced and explained.
• Work directly with brokers, underwriters, and carrier technical staff to validate the ontology against how coverage decisions get made, and to pressure test it against edge cases.
• Train and mentor coverage analysts and product staff so ontology fluency is shared across the team and does not depend on one person.
• Represent Bold Penguin externally with partners, carriers, and industry forums as a credible coverage and technical expert.
• Additional duties and responsibilities as assigned.

Requirements

YOUR LOCATION

This is a fully remote role, with the exception of onboarding and optional in-office events.

Skills & Experience

• 10+ years' experience in commercial insurance coverage, gained as coverage counsel, a claims coverage leader, a technical underwriter, or a broker side coverage or placement specialist.
• JD preferred.
• Deep working knowledge of ISO standard forms and endorsements across lines, including general liability, property, commercial auto, umbrella and excess, workers compensation, professional, cyber, and management liability.
• Demonstrated ability to read manuscript and surplus lines wording and articulate precisely how it differs from a standard form and why that difference matters.
• Practical experience with layered and shared programs, including follow form and differing terms, quota share participations, attachment and exhaustion, and the coverage consequences of a mismatched tower.
• Experience building or stewarding taxonomies, ontologies, coverage rubrics, or data dictionaries over time, not just at launch. Equivalent experience imposing structure on unstructured policy content will be considered.
• Familiarity with NAICS and commercial class code systems and how class drives coverage expectations.
• Working fluency with AI and machine learning concepts, including how large language models handle document analysis, where they fail, and how output quality is measured.
• Comfort reviewing and correcting model output at scale, and the patience to turn recurring errors into a durable fix in the ontology.
• Proficient with Google Sheets and MS Excel, including advanced formulas for data analysis.
• Excellent written and verbal communication skills, with the ability to explain a coverage position to engineers and a technical design to executives.
• Ability to synthesize information from multiple sources to understand and explain complex concepts.
• Familiarity with AI governance, model risk, and insurance regulatory expectations is a plus.
• Works autonomously with minimal direction, sets a clear path through ambiguity, and holds a high bar without needing direct authority.
• Deeply curious about coverage, about the market, and about what the technology can and cannot do.
• Thrives on the energy of a start-up: comfortable with pace, changing priorities, and building the function while running it.

Physical Requirements

• Must be able to sit/stand/walk for prolonged periods of time (up to 8 hours per day), at a desk working on a computer.
• Must be able to use standard office equipment for extended periods of time, including but not limited to, a mouse, keyboard, phone and video conferencing.

Summary

Bold Penguin is the premier digital broker for commercial insurance. Their technology expands top-of-funnel demand and increases yield for enterprise partners. Through digital distribution, wholesale capabilities, and AI-driven insights, they transform the lifecycle of both simple and complex risks, from prospecting to placement.

Benefits

We offer competitive compensation and progressive benefits that include:

• Medical, Dental, and Vision
• Flexible PTO Policy
• 401(k) with a company match
• Employee Assistance Program
• Parental Leave
• Disability and Life Benefits

Stay connected to the Glacier.

We have great SLACK channels for work and play. We also like to video conference and hold all-hands "Waddles" regularly.

Penguin bling.

Like swag themed after a certain Antarctic bird? Just. You. Wait.

Bold Penguin believes in inclusion. That’s why we’re proud to be an equal opportunity employer that considers all qualified applicants regardless of race, color, religion, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status. To learn more about our results-focused culture and employee-focused perks, read more on our careers page.