Harper
Insurance
SeniorCommercialUnderwriter,UnderwritingIntelligence
Neural analysis suggests this role is
optimal for Senior candidates.
“Senior Commercial Underwriter, Underwriting Intelligence at Harper. Skills: Underwriting intelligence, AI-native insurance, Commercial underwriting. Review live submissions. Catch missing context”
What You'll Achieve.
Turn judgment into compute; Rebuild insurance business as software; Scale judgment across thousands of submissions
Industry & Context.
Root cause analysis; Debugging; Data-driven decision making; Troubleshooting
On-site in San Francisco, Long days, High standards, Urgency, Own outcomes
What They're Looking For.
Must Have
4+ years commercial underwriting, Specialty commercial/E&S markets, MGA/MGU/wholesaler/carrier/program administrator experience, Handled messy risks/imperfect submissions, Breadth across multiple commercial lines
Nice to Have
CFA charterholder preferred, Series 7 license a bonus, Bloomberg proficiency preferred
What You'll Do.
Review live submissions
Catch missing context
Catch weak risk summaries
Catch bad assumptions
Catch incomplete exposure analysis
Encode judgment into product
Turn thinking into workflows
Turn thinking into checklists
Turn thinking into appetite rules
Turn thinking into routing logic
Turn thinking into escalation triggers
Turn thinking into QA processes
Turn thinking into system instructions
Specify complete submission
Advise on placeable risks
Advise on missing information
Advise on framing risk
Advise on workflow breaks
Write playbooks for risk categories
Help team understand underwriting
Position risk for market
How You'll Work.
Team & Collaboration
Engineering and product teams; Intake, sales, placements; Engineering, leadership
Communication Scope
Explain underwriting clearly; Executive presentations; Technical documentation; Client meetings
Process & Methodology
Agile, Scrum, JIRA, Roadmap planning, Kanban, PMP
Full Job Description
SENIOR COMMERCIAL UNDERWRITER, UNDERWRITING INTELLIGENCE Harper is an AI-native commercial insurance company in San Francisco. We're not bolting AI onto insurance — we're rebuilding the entire business as software, on a simple bet: turning expert human judgment into compute is one of the largest transitions left to make, and a trillion-dollar industry still run 90% by hand is the place to prove it. We've grown ~100x in the last year and we move at that speed — on-site, in person, long days, very high standards. Almost no one joins Harper for insurance; they join to build the company that replaces how it works. THE ROLE IN ONE LINE You're a senior commercial underwriter who thinks in systems — here to encode your judgment into the appetite rules, routing logic, and submission standards an AI can run, not just to quote and bind one account at a time. WHY THIS ROLE EXISTS NOW Great underwriting judgment exists. Almost none of it compounds. It's trapped in individual inboxes, one-off decisions, messy submissions, and tribal knowledge — and that's most true in specialty commercial and E&S, where risk moves through emails, PDFs, ACORDs, supplementals, portals, spreadsheets, loss runs, unclear narratives, and broker notes that may or may not answer what an underwriter actually needs to know. We're building the opposite: an operating system where underwriting judgment, submission quality, appetite logic, market routing, and broker workflows become infrastructure. This is exactly the "turn human judgment into compute" bet, pointed at the part of insurance that's hardest to systematize. Your judgment is the raw material. This is not a traditional underwriting seat. You won't spend your day inside one carrier's guidelines saying yes or no. You'll help build what we collect, how we evaluate risk, how we package submissions, where we route accounts, when we escalate, and how we make Harper easier for markets to work with. You don't need to write code. You do need to be the kind
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