Harper
Senior Commercial Underwriter, Underwriting Intelligence
San Francisco · Senior · Part-time
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odds of building a lasting career here
Sponsors, but it's cap-subject — you still face the weighted lottery (~45% per draw at Level III). Good if you win; have a cap-exempt backup on your list.
Lottery odds assume a STEM candidate.
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About the role
- A routing rule at Harper can move thousands of accounts.
- If the risk judgment behind it is vague, unsupported, or wrong, scale multiplies the mistake.
- You make that judgment explicit, source-backed, and safe to apply at scale.
Responsibilities
- Reason about carrier fit. Explain which markets fit which risk shapes, what evidence supports the fit, and where stated appetite breaks in practice.
- 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.
- Build the underwriting frameworks.
Requirements
- You have 4+ years of commercial underwriting with meaningful specialty commercial or excess and surplus exposure.
- 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.
- Required commercial insurance licenses vary by state; Harper pays for training and licensing.
Skills
- the frameworks, the routing constraints, the appetite rules, the escalation conditions, and the source evidence behind each one.
Compensation
- 125,000-175,000 base, plus performance bonus and equity.
Benefits
- Health, dental, and vision insurance
- Commuter benefits
- Free gym membership
- 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.
This listing is sourced directly from Harper's careers page and normalized into a canonical job model.