Senior Software Engineer, Insurance

Porch.com, Inc.; Washington; Hybrid; USD 168,800 - 236,300; Full time

Benefits offered by this job

Health insurance

401(k) plan

Paid time off

Job summary

Porch Group is seeking a Senior Software Engineer for the Insurance platform to build and own backend services powering underwriting, rating, and issuance of policies. You will work on an AI-first stack, using agentic tools to ship production-grade features in a greenfield platform.

The role emphasizes hands-on coding, collaboration with product and insurance SMEs, and strong ownership. Remote work from the United States is supported, with core business-hour alignment.

Qualifications

• 5+ years of professional software engineering experience building backend services.
• Led at least one project from conception to production.
• Production-grade engineering depth in Python, Java or equivalent backend language.
• Strong systems design fundamentals: distributed and event-driven architecture.
• Hands-on experience with LLM-integrated features (RAG, tool use, agent workflows).
• Familiarity with agentic AI coding tools as part of daily development.
• Able to work with minimal direction in a large codebase and in US business hours.

Responsibilities

• Develop AI-native engineering capabilities using agentic tools.
• Build platform architecture for PAS services (quoting, rating, binding, issuance, endorsements, renewals).
• Design data models for policy lifecycle, exposure management, and regulatory compliance.
• Create migration tooling for automated data extraction, transformation, validation, and reconciliation.
• Collaborate with Product and Insurance SMEs; perform code reviews and mentoring.
• Maintain hands-on production coding weekly and ensure quality bar is met.

Skills

Python

Java

Backend systems design

LLM integration

Cloud-native (GCP)

Event-driven architecture

Team leadership

Education

Bachelor’s degree in Computer Science/Engineering or equivalent

Tools

CI/CD pipelines

MCP (Model Context Protocol)

Function calling

Job description

Job Title

Senior Software Engineer, Insurance

Location

United States (Remote)

Job Summary

Porch is reimagining what it means to be an insurance technology company, and we’re building it from the inside out. As a Senior Engineer on our insurance platform team, you’ll build and own key services that power how we underwrite, administer, and scale insurance products. We’re an AI‑first organization, so you’ll do your day‑to‑day development with agentic AI coding tools — not as an experiment, but as the way we ship. This is a hands‑on build role on a greenfield platform.

Responsibilities

• AI‑Native Engineering: Use agentic AI coding tools as your primary development methodology for the platform build, not as an experimental side channel. Work within the team’s agent configuration patterns, custom skills, and CI/CD integration — and help improve them as you find rough edges. Make sure the code you ship with AI assistance meets our standards: a green CI pipeline, passing evaluations, and clean pre‑commit hooks are non‑negotiable. Apply good spec‑driven, context‑management practices that separate productive AI‑assisted work from churn, and share what works with your teammates.
• AI Capability in the Platform: Build agentic capabilities into the platform — agent‑assisted configuration, AI‑driven underwriting decisioning, document understanding for declarations and endorsements, and conversational interfaces for the operations team. Contribute to the RAG pipelines, retrieval, and tool‑use patterns that ground LLM behavior in regulated insurance content (rate manuals, underwriting guidelines, state‑specific rules). Implement the integration patterns (MCP, function calling, structured outputs) that expose platform capabilities to internal agents and external partners. Add observability, evaluation, and cost instrumentation to the AI features you own so their behavior is measurable, debuggable, and bounded. Follow the responsible‑AI guardrails that keep agent‑influenced decisions auditable and aligned with insurance regulatory requirements.
• Platform Architecture & Build: Design and build core PAS services in your area — quoting, rating, binding, issuance, endorsements, renewals, cancellations, and reinstatements — making well‑reasoned design decisions and tradeoffs as you go. Contribute to the rating engine, product configuration layer, and rules framework that let business teams launch new states and products without engineering bottlenecks. Implement data models for policy lifecycle, exposure management, and regulatory compliance, with guidance from senior engineers on the broader architecture. Build within the platform’s event‑driven patterns and integration architecture for the carrier, vendor, and partner systems the platform speaks to.
• Transformation & Migration: Build migration tooling: automated data extraction, transformation, validation, and reconciliation pipelines. Help keep existing vendor platforms stable while we build the replacement — you’ll context‑switch between “keep the lights on” and “build the future” without dropping either.
• Collaboration & Growth: Partner with Product and Insurance SMEs to refine requirements and turn domain needs into working software. Participate in design reviews, and support teammates through constructive code reviews and ad‑hoc technical advice. Lead by example — strong ownership, accountability, and a high quality bar — and help other engineers grow their skills. Stay hands‑on. This is a build role: you write production code every week.

Requirements

• 5+ years of professional software engineering experience building and operating backend services in production.
• Demonstrated ability to lead at least one project from conception to production, breaking work into reasonably sized, well‑tested releases.
• Production‑grade engineering depth in Python, Java, or a comparable backend language; comfortable across the stack from data model to API to deployment.
• Solid systems design fundamentals: distributed systems, event‑driven architecture, API‑first design, and data modeling for transactional workloads.
• Hands‑on experience building LLM‑integrated features — RAG, tool use, or agent workflows — running in real software, not just prototypes.
• Working familiarity with agentic AI coding tools as part of your day‑to‑day development.
• Requires minimal direction to deliver in your area, and comfortable working in unfamiliar parts of the codebase with guidance.
• US‑based; able to work core business hours.
• Strongly preferred: exposure to homeowners or other personal‑lines P&C insurance systems, or eagerness to ramp deeply on the domain; experience contributing to a custom‑built policy administration system, or to a migration off a legacy/vendor PAS (data migration, parallel‑run validation, cutover).
• Experience with AI evaluation, observability for agent runs, prompt and model versioning, or AI cost‑management.
• Working knowledge of Model Context Protocol (MCP), function calling, and structured outputs, and patterns for grounding LLMs in regulated content.
• Familiarity with regulatory frameworks: SERFF rate filings, NAIC data calls, state DOI requirements, and the NAIC AI bulletin.
• Working knowledge of insurance data standards (ACORD, MISMO) and the open‑source PCDM data model.
• Background in cloud‑native infrastructure (GCP preferred), event streaming (Kafka), and modern observability practices.
• Bachelor’s degree in Computer Science, Engineering, or equivalent practical experience.

Application Window

The application window for this position is anticipated to close in 2 weeks (10 business days) from 7/1/2026. Please know this may change based on business and interviewing needs.

State Restrictions for Remote Positions

Porch Group does not consider applicants from the following states or jurisdictions for Remote positions: Alaska, Delaware, Hawaii, Mississippi, Nebraska, Montana, New Hampshire, West Virginia, or the District of Columbia.

Benefits

Pay Range: $168,800 – $236,300 annually. Your actual pay will reflect a number of factors among which are your work experience and skillsets, job‑related knowledge, alignment with market and our Porch employees, as well as your geographic location. Additionally, you will be eligible to receive long‑term incentive awards, subject to program guidelines and approvals.

Our traditional healthcare benefits include three (3) medical plan options, two (2) dental plan options, and a vision plan from which to choose. Critical illness, hospital indemnity and accident plans are offered on a voluntary basis.

We offer pre‑tax savings options including a partially employer‑funded Health Savings Account and employee Flexible Savings Accounts including healthcare, dependent care, and transportation savings options.

We provide company‑paid Basic Life and AD&D, short and long‑term disability benefits. We also offer voluntary life and AD&D plans.

Both traditional and Roth 401(k) plans are available with a discretionary employer match.

Well‑being programs: Supportlinc provides employees and their families access to on‑demand guided meditation and mindfulness exercises, mental health coaching, clinical care and online access to confidential resources including will preparation. LifeBalance is a free resource to employees and their families for year‑round discounts on things like gym memberships, travel, appliances, movies, pet insurance and more.

Our wellness programs include flexible paid vacation, company‑paid holidays of typically nine per year, paid sick time, paid parental leave, identity theft program, travel assistance, and fitness and other discounts programs.

Equal Opportunity Employer Statement

Porch Group is an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex including sexual orientation and gender identity, national origin, disability, protected veteran status, or any other characteristic protected by applicable laws, regulations, and ordinances. Porch Group is an E‑Verify employer. E‑Verify is a web‑based system that allows an employer to determine an employee’s eligibility to work in the US using information reported on an employee’s Form I‑9. The E‑Verify system confirms eligibility with both the Social Security Administration (SSA) and Department of Homeland Security (DHS). For more information, please go to the USCIS E‑Verify website.