P&C Underwriter - Risk Specialist

Mercor connects creative and technical talent with AI research labs and is seeking a contract Multiline P&C Underwriter. The role involves designing realistic property and casualty underwriting scenarios, creating expert underwriting work products, evaluating AI-generated responses, and providing detailed feedback to improve model behavior.

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

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

CPCU designation

AU designation

ARM designation

E&S experience

MGA/MGU experience

Lloyd’s experience

Program business experience

Catastrophe-exposed property experience

High-severity casualty experience

Small commercial experience

Middle-market experience

National-account experience

High-net-worth experience

Benefits

Remote

Company

Expert staffing and frontier model training for enterprises

San Francisco, California, USA

https://mercor.com/

Founded in 2023

201-500 employees

Qualifications

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

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

2+ years of professional P&C underwriting experience.

Required skills

Represents the skills you have, click on the tags, Property and Casualty Underwriting, Underwriting Lifecycle, Exposure Analysis, Loss History Analysis, Risk Differentiation, Underwriting Guidelines, CPCU, Associate in Underwriting (AU), Associate in Risk Management (ARM), Written Reasoning, Risk Judgment

Preferred skills

CPCU, AU, ARM, or comparable insurance designation, Multiline underwriting authority, E&S, MGA/MGU, Lloyd's, or program-business experience

Experience

2+ years