Role Description
We are seeking a detail-driven Senior Insurance Forms Analyst to join our pricing team to own the language behind our insurance products across both commercial and personal lines. This role focuses on coverage intent, precision, and compliance in the words that make it into the policy.
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Draft, refine, and maintain policy forms, endorsements, and manuscript wordings for both lines of business.
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Shepherd them through the regulatory filing process.
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Work closely with underwriting, product, legal, claims, and carrier partners to ensure clarity and consistency across the portfolio.
Key Responsibilities
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Form & Endorsement Drafting:
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Draft, revise, and maintain base policy forms, endorsements, exclusions, definitions, and manuscript wordings for commercial lines products.
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Translate underwriting and product intent into precise, unambiguous policy language.
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Build and maintain a library of standardized clauses and reusable endorsement language.
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Coverage Analysis & Product Support:
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Analyze coverage intent, identify unintended grants, gaps, and overlaps, and recommend wording changes.
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Compare our forms against ISO standard forms and competitor manuscript wordings.
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Partner with product and underwriting to bring new coverages and product enhancements to market.
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Regulatory Filings & Compliance:
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Prepare and manage form filings with state departments of insurance.
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Ensure forms comply with admitted and non-admitted (E&S) requirements.
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Coordinate with legal resources and carrier personnel for necessary approvals.
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Cross-Functional Collaboration:
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Work with underwriting, claims, legal, and technology teams to align wording with operational reality.
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Advise claims on coverage interpretation and feed lessons from claims disputes back into wording improvements.
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Support sales and underwriting with clear explanations of coverage grants, conditions, and exclusions.
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Governance & Maintenance:
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Maintain version control, edition dating, and documentation for all forms and endorsements.
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Monitor regulatory change, case law, and emerging exposures, and update wordings proactively.
Qualifications
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A bachelor's degree in Insurance, Business, English, Legal Studies, or a related field, or a JD.
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3+ years drafting or managing commercial lines policy forms, endorsements, or coverage wordings.
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Strong grasp of both commercial and personal lines coverages, ISO forms, manuscript wordings, and policy construction.
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Familiarity with state filing processes and SERFF.
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Exceptional written precision, with the ability to spot ambiguity and gaps in policy language.
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Insurance designations such as CPCU, or a legal background in insurance coverage, are a plus.
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Excellent communication and stakeholder-management skills.
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Highly organized and detail-oriented.
Benefits
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Unlimited PTO.
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Full health benefits.
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Flexible work setups.
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Competitive pay and equity.