Insurance Underwriting Specialist

About the Role

Mercor is partnering with a leading AI lab to train frontier models on high-quality insurance reasoning data. You'll design realistic underwriting and risk-selection scenarios, evaluate model outputs against established industry standards, and help shape how the next generation of AI reasons about risk assessment, policy provisions, pricing, and coverage decisions.

They welcome underwriters across all lines — life, health, property, casualty, commercial, personal, specialty, marine, surety, and reinsurance — from carriers, MGAs, and reinsurers.

What You'll Do

• Design realistic scenarios involving risk selection, exposure analysis, policy terms and conditions, exclusions, endorsements, pricing, and coverage determinations
• Create work products such as underwriting decisions, risk assessments, rating and pricing rationales, coverage analyses, and referral write-ups
• Write "golden" reference responses at experienced underwriting-professional quality
• Grade AI-generated responses against structured rubrics for risk-selection accuracy, provision interpretation, pricing correctness, and sound judgment
• Identify misread policy language, flawed risk classifications, incorrect pricing math, and gaps in documented rationale
• Provide written feedback the research team uses to improve model behavior
• Participate in onboarding office hours and calibration sessions

You're a Good Fit If You

• Have 2+ years of professional experience in insurance underwriting (any line)
• Understand how policy provisions, exclusions, endorsements, and rating factors determine coverage and price
• Can weigh risk, exposure, and financial evidence and articulate a defensible decision with a documented rationale
• Demonstrate excellent written analysis, balanced judgment, and high attention to detail
• Can distinguish underwriting decisions from sales/agent recommendations and from formal legal advice

Bonus qualifications: CPCU, CLU, AINS, ARM, AU, FALU, or comparable industry credential; experience across multiple lines of business or specialty risks; reinsurance, treaty, or facultative underwriting experience; actuarial, pricing, or catastrophe-modeling exposure; experience with regulatory filings, compliance, or audit review.

Role Highlights

• Minimum 20 hours per week (ideally 40+)
• Role starts immediately, applications reviewed on a rolling basis
• We consider all qualified applicants without regard to legally protected characteristics and provide reasonable accommodations upon request

Contract and Payment Terms

• You will be engaged as an independent contractor
• Fully remote — work on your own schedule
• Projects can be extended, shortened, or concluded early depending on needs and performance
• Your work will not involve access to confidential or proprietary information from any employer, client, or institution
• Payments are weekly on Stripe or Wise based on services rendered

Please note: H1-B or STEM OPT candidates cannot be supported at this time.