Insurance Underwriter - Fully Remote | Up to $80/hr

About the job

Mercor connects elite creative and technical talent with leading AI research labs. Headquartered in San Francisco, our investors include Benchmark, General Catalyst, Peter Thiel, Adam D'Angelo, Larry Summers, and Jack Dorsey.

Position: Multiline P&C Underwriter
Type: Contract
Compensation: $80/hour
Location: Remote
Commitment: 20–40 hours/week

Role Responsibilities

• Design realistic underwriting scenarios involving new business, renewals, exposure analysis, loss history, inspections, classification, pricing, limits, deductibles, exclusions, and referral decisions.
• Create work products such as underwriting assessments, quote rationales, information requests, declination explanations, renewal strategies, and risk-improvement requirements.
• Write "golden" reference responses at experienced underwriter quality.
• Grade AI-generated responses against structured rubrics for technical accuracy, consistency, risk judgment, and adherence to underwriting guidelines.
• Identify unsupported assumptions, inadequate risk differentiation, incorrect use of policy terms, and inappropriate acceptance or declination decisions.
• Provide written feedback the research team uses to improve model behavior.

Qualifications

Must-Have

• 2+ years of professional P&C underwriting experience.
• Underwritten at least one major segment, such as personal lines, commercial property, general liability, commercial auto, package, umbrella/excess, professional liability, cyber, or another specialty line.
• Understand the underwriting lifecycle from submission and assessment through quotation, binding, renewal, and nonrenewal.
• Explain how account characteristics, jurisdiction, peril, loss experience, and market conditions affect underwriting decisions.
• Demonstrate strong written reasoning, sound risk judgment, and high attention to detail.
• Separate underwriting decisions from claims handling, brokerage advice, and actuarial portfolio analysis.

Preferred

• CPCU, AU, ARM, or comparable insurance designation.
• Multiline underwriting authority.
• E&S, MGA/MGU, Lloyd's, or program-business experience.
• Catastrophe-exposed property or high-severity casualty experience.
• Experience with small commercial, middle-market, national-account, or high-net-worth segments.

Start Date

• Immediately; applications reviewed on a rolling basis.

Compensation & Legal

• Hourly contractor, Paid weekly via Stripe Connect.

Application Process (Takes 20–30 mins to complete)

• Upload resume
• AI interview based on your resume
• Submit form

Resources & Support

• For details about the interview process and platform information, please check: https://talent.docs.mercor.com/welcome
• For any help or support, reach out to: support@mercor.com

PS: Our team reviews applications daily. Please complete your AI interview and application steps to be considered for this opportunity.