Senior Commercial Underwriter

Micro1; United States; Remote; USD 69,000 - 110,000; Part time

Job summary

micro1 is seeking experienced Senior Commercial Underwriters for a remote, part-time contractor role across the United States and Canada. You will assess commercial insurance risks, price and quote coverage, and support underwriting decisions with clear, data-driven reasoning.

Strong understanding of products, loss histories, and risk factors is essential. Qualified candidates have 5+ years in underwriting, can review operations and exposures, and will work remotely in North America.

Qualifications

• 5+ years of professional experience in commercial insurance underwriting.
• Experience pricing and quoting commercial insurance risks.
• Solid understanding of commercial insurance products, coverage structures, and underwriting principles.
• Experience evaluating loss histories and business exposures.
• Able to make well-supported underwriting decisions and communicate the reasoning behind them.

Responsibilities

• Assess commercial insurance risks by reviewing business operations, exposures, and underwriting information.
• Evaluate risk profiles, loss histories, and coverage requirements to support underwriting decisions.
• Determine appropriate coverage terms, conditions, and pricing based on risk characteristics.
• Prepare and review commercial insurance quotes, ensuring accuracy and consistency with guidelines.
• Identify underwriting concerns, coverage gaps, and factors affecting risk acceptability.
• Explain underwriting decisions clearly using professional judgment in complex scenarios.

Skills

Underwriting

Risk assessment

Pricing

Quoting

Communication

US/Canada base

Job description

Location: Canada; United States

Role type: Part-time contractor

Location: Remote, United States and Canada

Compensation: $50–$80 USD/hour

About the role

micro1 is looking for experienced Senior Commercial Underwriters to support a customer project requiring expertise in commercial insurance risk assessment, pricing, and quoting.

In this role, you will apply your professional underwriting knowledge to assess commercial risks, evaluate coverage requirements, and make informed decisions based on risk exposure, loss history, and underwriting principles.

What you'll do

1. Assess commercial insurance risks by reviewing business operations, exposures, and relevant underwriting information.
2. Evaluate risk profiles, loss histories, and coverage requirements to support sound underwriting decisions.
3. Determine appropriate coverage terms, conditions, and pricing based on commercial risk characteristics.
4. Prepare and review commercial insurance quotes, ensuring accuracy and consistency with underwriting guidelines.
5. Identify potential underwriting concerns, coverage gaps, and factors that may affect risk acceptability.
6. Apply professional judgment to complex commercial insurance scenarios and explain underwriting decisions clearly.

Qualifications

1. 5+ years of professional experience in commercial insurance underwriting.
2. Strong hands-on experience assessing, pricing, and quoting commercial insurance risks.
3. Solid understanding of commercial insurance products, coverage structures, and underwriting principles.
4. Experience evaluating loss histories, business exposures, and risk factors.
5. Ability to make well-supported underwriting decisions and communicate the reasoning behind them.
6. Based in the United States or Canada.

Engagement details

1. Type: Part-time, independent contractor
2. Location: Remote, United States and Canada
3. Compensation: $50–$80 USD per hour

Application process

Candidates will complete a short AI interview focused on their professional experience and commercial underwriting expertise.

About micro1

micro1 is a data lab that connects professionals with opportunities to apply their expertise to customer projects. We work with specialists across fields such as engineering, finance, healthcare, and law to support AI labs and enterprises. Through our extended network, contributors bring their knowledge and judgment to projects with their own scope, requirements, and engagement terms.