Senior Actuarial Analyst - THREE

Berkshire Hathaway Direct Insurance Company; Stamford (CT); Hybrid; USD 100,000 - 155,000; Full time

Benefits offered by this job

Medical, Vision, Life Insurance

Dental plan with orthodontia

Generous PTO

401(k) with employer match

Education Assistance

Job summary

THREE Insurance, part of Berkshire Hathaway, seeks a Senior Actuarial Analyst to independently lead complex actuarial analyses and drive regulatory rate filings for multiple commercial lines. The role partners with underwriting, pricing, and product teams while supporting innovation in rating and policy administration systems.

The position is hybrid with two mandatory in-office days per week at Stamford, CT, offering exposure to a broad portfolio, including liquor liability and

Qualifications

• Lead regulatory rate filings and system rate implementations for commercial lines.
• Identify and execute a long-term filings transformation roadmap.
• Collaborate with Pricing, Product, Technology and Insurance regulators.
• Use automation and analytics to turn filings data into insights.
• Maintain governance and peer-review practices.

Responsibilities

• Lead regulatory rate filings and system rate implementations for commercial lines, with an emphasis on continually increasing efficiency and quality
• Lead the current-state filings capability while defining and executing a long-term filings transformation roadmap
• Partner across Pricing, Product, Technology, and the Department of Insurance to improve efficiency, quality, and regulatory responsiveness
• Identify opportunities to use automation, artificial intelligence, and modern analytical tools to improve processes and convert filing information into scalable business insights
• Establish strong peer-review and governance practices, and resolve process gaps
• Represent THREE's position with regulators, auditors, and external partners as needed
• Contribute to rate indications, reserving analyses, profitability studies, and other actuarial projects across BOP, Umbrella, Workers' Compensation, and Commercial Auto, owning work from analysis through implementation
• Assist across a diverse product set — including liquor liability and catastrophe-exposed perils — applying business and actuarial expertise to develop effective, well-informed solutions
• Help identify and implement improved methods and processes to enhance team effectiveness, and present analyses and recommendations clearly to influence decisions across all levels

Skills

Rate filings

SQL

R

Python

VBA

Education

CAS Exam (Exam 5) preferred

Job description

Description

The Senior Actuarial Analyst independently leads complex actuarial analyses, influences business decisions, and contributes to team and process development, combining deep technical expertise with strong ownership from analysis through implementation.

The Berkshire Hathaway Group of Insurance Companies is looking for an Associate Actuary to support the insurtech initiative, THREE (www.threeinsurance.com). This person will be part of a small, fast-paced team and gain exposure to many parts of the company and insurance product. The ideal candidate will be able to juggle multiple priorities with accuracy and have an entrepreneurial spirit. They will lead state filing implementation, the core focus of the role, while also supporting pricing, business analysis, and product development initiatives for assigned lines of business — partnering closely with underwriting and product teams, and serving as a technical resource in the development and testing of rating and policy administration systems.

This job is hybrid. Hybrid associates have 2 mandatory in-office days per week at our Stamford, CT location. We believe the 2-day requirement provides a good balance of quality in-office time while still preserving the convenience of at-home work.

Job Responsibilities

• Lead regulatory rate filings and system rate implementations for commercial lines, with an emphasis on continually increasing efficiency and quality
• Lead the current-state filings capability while defining and executing a long-term filings transformation roadmap
• Partner across Pricing, Product, Technology, and the Department of Insurance to improve efficiency, quality, and regulatory responsiveness
• Identify opportunities to use automation, artificial intelligence, and modern analytical tools to improve processes and convert filing information into scalable business insights
• Establish strong peer-review and governance practices, and resolve process gaps
• Represent THREE's position with regulators, auditors, and external partners as needed
• Contribute to rate indications, reserving analyses, profitability studies, and other actuarial projects across BOP, Umbrella, Workers' Compensation, and Commercial Auto, owning work from analysis through implementation
• Assist across a diverse product set — including liquor liability and catastrophe-exposed perils — applying business and actuarial expertise to develop effective, well-informed solutions
• Help identify and implement improved methods and processes to enhance team effectiveness, and present analyses and recommendations clearly to influence decisions across all levels

Requirements

• Prior experience with rate filings
• Passing the CAS Ratemaking exam (Exam 5 — Basic Ratemaking and Estimating Claim Liabilities) preferred

3+ years of actuarial pricing/reserving experience in Property & Casualty insurance

Proficiency in SQL, R, Python, VBA, or similar data analysis tools

Why THREE Insurance

THREE is a disruptive insurance initiative providing comprehensive small business coverage under a proprietary, three-page coverage form built for clarity and readability. Innovation is embedded in our culture, starting with the policy form itself.

This position reports to an Actuarial Leader and offers exposure to a wide array of coverages, including liquor liability, flood, earthquake, hurricane, and severe convective storm. We offer a competitive actuarial study program and prioritize supporting your progress toward actuarial credentials.

Disclaimer Clause

The statements herein are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified.

About Us

THREE is a growing insurance company that sells a unique and straightforward insurance policy to small businesses – from restaurants, to electricians, to consultants – covering them against property risks (e.g. fire, theft, flood), lawsuits, and more. It was born out of and remains part of Berkshire Hathaway, one of the most respected companies in the world. At THREE, you’ll join a team of experienced insurance operators that chooses to run lean, promotes autonomy, and is charged with building a small commercial insurer that challenges the largest players in its space. Our parent, Berkshire Hathaway Inc. (berkshirehathaway.com) is a holding company with diversified interests in a host of industries, including insurance, energy, transportation and manufacturing. Most policies issued through THREE will be underwritten by Berkshire Hathaway Direct Insurance Company ("BHDIC"), which is an AM Best rated A++ insurer.

BHDIC is domiciled in Omaha, Nebraska. BHDIC and the team at biBerk are focused on helping small business owners quickly and easily buy affordable insurance directly from a financially strong insurance company they can trust.

BHDIC is excited to announce our comprehensive benefits package with some new and enhanced features for 2026 that include:

• Medical (PPO/HDHP), vision, disability, and life insurance.
• Enhanced dental plan with orthodontia coverage in addition to a standard plan.
• Generous PTO plan for all benefit-time eligible employees.
• Paid company holidays and 4 floating holidays.
• Paid parental leave.
• Employee Retirement Savings Plan/401(k) with company match and immediate vesting.
• Education Assistance Program that offers 100% upfront tuition reimbursement after 6 months of service for approved degree programs.
• Service Recognition Program that provides a monetary award to be used toward a vacation every 5 years of employment.
• Wellness Initiatives that include Fitness Center and Weight Watchers Reimbursement programs.
• Voluntary benefits that include accident, critical illness, and hospital indemnity.
• Employee discount and rewards program on travel, tickets, electronics, home, and more.

In accordance with pay transparency laws and regulations, the following good faith compensation range estimate is being provided. The salary range for this position is $100,000 to $155,000 per year. Final compensation will be based on candidate qualifications, geographic location, and other considerations permitted by law.