layiq

/la·yiq/adjective

worthy; deserving; fitting; suitable.

A role, opportunity, or path that merits attention, time, and pursuit.

Senior Commercial Underwriter, Underwriting Intelligence at Harper | LAYIQ

Review live risk with depth.
Read live accounts and system outputs to catch missing context, weak assumptions, incomplete exposure analysis, and false confidence.
Build the underwriting frameworks.
Define how Harper reasons about operations, exposures, controls, loss history, coverage structure, and material risk differences — with positive examples, counterexamples, and the evidence that separates them.
Set routing constraints.
Define which risk facts permit a route, block a route, or require senior review, with the source and rationale attached to each.
Encode judgment into the product.
Work directly with product and engineering to turn how you think into intake questions, checklists, appetite rules, escalation conditions, quality tests, and instructions an AI can run.
Reason about carrier fit.
Explain which markets fit which risk shapes, what evidence supports the fit, and where stated appetite breaks in practice.
Audit what the system decided.
Test whether routing, risk summaries, and recommendations are faithful to the source record and the underwriting standard, and trace every correction back to the rule or source-reading failure that caused it.
Teach the judgment and close the loop.
Coach placement specialists, account teams, operators, and product partners on how strong underwriting reasoning works, and tie quotes, declines, binds, losses, and corrections back to the framework they confirm or change.
Who you are
You have 4+ years of commercial underwriting with meaningful specialty commercial or excess and surplus exposure.
You've handled messy risks and imperfect submissions at an MGA, MGU, wholesaler, specialty carrier, program administrator, or similar — not only clean admitted-market accounts.
You have breadth across commercial lines or risk categories: general liability, property, workers' comp, commercial auto, excess/umbrella, professional and E&O, contractors, habitational, restaurants, transportation, or other specialty classes.
You can explain not only your decision but the factors and thresholds that produced it, and you can separate carrier folklore from evidence.
You can express underwriting judgment as source-backed rules, examples, counterexamples, and escalation conditions that a system can apply and a person can audit.
You treat AI as leverage — you're product-curious, you'll sit with engineers and pressure-test system outputs, and you want your judgment to scale across thousands of submissions instead of the one in front of you.
You hold, or can quickly earn, the insurance licenses or credentials the work requires (we pay for it).
The reality — read this before you apply
This job is on-site in New York or San Francisco, Monday through Friday, long days, in the building with product, engineering, intake, and the placement desk. You'll help build the system while it is already quoting live business, so there is context switching, ambiguity, and a steady stream of problems that don't fit a job description. You'll review live cases most days and you'll write more than most underwriters ever have: frameworks, rules, counterexamples, escalation conditions. Nothing is done until someone else can apply it and check it against the source.

Senior Commercial Underwriter, Underwriting Intelligence

Employer job description

The role

What you'll do

Compensation & logistics

Salary:

Equity:

Location:

Schedule:

Licensing:

Benefits

About this listing