# Commercial Underwriting Advisor

**Company:** [Harper](https://hotfix.jobs/companies/harper)
**Location:** San Francisco, CA
**Role:** Other
**Salary:** $150k – $190k/yr
**Experience:** 7+ years
**Skills:** P&C Underwriting, Gl, Bop, Wc, Commercial Property, Professional Liability, Cyber Insurance, Risk Assessment, AI/ML, Submission Workflows
**Posted:** 2026-02-23

> Review AI-generated outputs for commercial insurance submissions against carrier underwriting standards, build QA processes from scratch, and collaborate with engineers to encode underwriting logic into systems. Requires 7+ years carrier-side P&C experience.

## Job Description

## What You'll Do
- Review real submissions and AI outputs daily — Pull up what our system generated, compare it to what a carrier underwriter would expect, and tell us what's broken; this is your core loop, not a periodic review
- Build the underwriting review function from scratch — There's no established QA process for submission quality; you define what good looks like, create the review cadence, and own the standard
- Gate what ships — Review risk assessment logic, submission workflows, and quoting outputs before they reach customers; nothing with underwriting implications goes live without your sign-off
- Shape how our AI thinks about risk — Work directly with engineers to translate underwriting judgment into system logic; you're a thought partner sitting next to the team, not a requestor sending requirements over email
- Give us carrier-side feedback — Tell us what carriers and wholesale partners actually care about; what frustrates them about working with brokerages; help us build processes that make their lives easier
- Flag what we're missing — Coverage gaps, compliance issues, edge cases, and submission quality problems that a carrier-side underwriter would catch immediately but our team might miss

## Requirements
- 7+ years of commercial P&C underwriting experience
- Deep working knowledge of commercial lines products—GL, BOP, WC, commercial property, professional liability, and/or cyber
- Experience evaluating submissions, assessing risk, and working with brokers or agents on the carrier side
- Able to be a thought partner with engineers—not just translating underwriting concepts, but thinking through how to encode them into systems
- Comfortable building without an established underwriting review team or QA infrastructure—you're creating this function, not stepping into one
- Comfortable in a high-intensity, in-office, fast-paced environment with fixed working hours

## Nice to Have
- Insurance designations (CPCU, AU, AINS, CIC, ARM)
- Experience at an MGA, program administrator, or wholesaler
- Familiarity with how AI/ML is being applied in insurance
- Surplus lines or non-admitted market experience
- Prior startup or high-growth company experience

## Compensation
**Salary:** $150,000–$190,000 + performance bonuses & equity

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