保险表单分析师
Insurance Forms Analyst
**关于SafeLease**
在SafeLease，我们正在重新思考在技术变革时代如何销售财产与责任保险。我们认为行业最大的低效问题不是技术问题——而是结构性问题。我们正在组建一支团队来解决这些问题。
SafeLease是一家盈利的保险公司，为商业地产所有者及其租户设计、承保并分发专业保障。大多数保险公司要么分销产品，要么承担风险——我们两者都做。我们用自己的资本支持我们的保单，这意味着我们掌控整个链条：产品设计、技术以及我们的行动速度。这种端到端的所有权让我们能够为客户带来真正的灵活性，为全国超过4000个物业节省时间和成本，这些物业的总价值达数十亿美元。
我们是一支85人的团队，每年增长超过100%，并且在不牺牲盈利能力和文化的情况下实现了这一增长。在这里，你会获得高度的自主权和广泛的解决问题的范围。我们拥抱最新的技术，一起快速前进，并以小型公司的强度运作，每个人的工作都清晰可见。如果你想找一个与认真对待工作的同事一起磨练技艺的地方，你将在这里找到归属感。
**关于该职位**
我们正在寻找一位注重细节的高级保险条款分析师加入我们的定价团队，负责我们在商业和个人险种中的保险产品的语言。与定价经理关注定价和风险选择不同，该职位专注于保单中语言的保障意图、精确性和合规性。你将起草、修订和维护商业险种的保单格式、附加条款和手写条款，并推动它们通过监管备案流程。
该职位涵盖商业和个人险种，适合那些像律师阅读合同一样阅读保障条款的人：对歧义、意外的保障授予和漏洞保持警觉。你将与承保、产品、法律、理赔和承保人合作伙伴紧密合作，确保我们的条款清晰、有说服力、具有竞争力，并在整个产品组合中保持一致。
**主要职责**
**条款与附加条款起草**
- 起草、修订和维护商业险种的基础保单格式、附加条款、排除条款、定义和手写条款。
- 将承保和产品意图转化为精确、无歧义的保单语言，确保在理赔时经得起考验。
- 建立和维护标准条款模板，确保一致性并提高效率。
查看英文原文
**About SafeLease**
At SafeLease, we're rethinking how P&C insurance is sold in an age of technological change. We believe the industry's biggest inefficiencies aren't technical problems — they're structural ones. And we're building the team to tackle them.
SafeLease is a profitable insurance business that designs, underwrites, and distributes specialty coverage for commercial property owners and their tenants. Most insurance companies either distribute products or bear the risk — we do both. We back our policies with our own capital, which means we control the full stack: product design, tech, and the speed at which we move. That end-to-end ownership lets us offer customers real flexibility, saving time and money for more than 4,000 properties insured for billions in value nationwide.
We're a team of 85, growing over 100% annually, and we've done it without sacrificing profitability or culture. Here, you'll get high discretion and a wide aperture of problems to solve. We embrace the newest technologies, move fast together, and operate with the intensity of a small company where every person's work is visible. If you're looking for a place to sharpen your craft alongside people who take their work seriously, you'll fit right in.
**About the Role**
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. Where a pricing manager focuses on rating and risk selection, this role focuses on coverage intent, precision, and compliance in the words that make it into the policy. You will draft, refine, and maintain policy forms, endorsements, and manuscript wordings for both lines of business, and shepherd them through the regulatory filing process.
This role spans commercial and personal lines and is suited to someone who reads coverage the way an attorney reads a contract: alert to ambiguity, unintended coverage grants, and gaps. You will work closely with underwriting, product, legal, claims, and carrier partners to ensure our wordings are clear, defensible, competitive, and consistent across the portfolio.
**Key Responsibilities**
**Form & Endorsement Drafting**
- Draft, revise, and maintain base policy forms, endorsements, exclusions, definitions, and manuscript wordings for commercial lines products.
- Translate underwriting and product intent into precise, unambiguous policy language that holds up at claim time.
- Build and maintain a library of standardized clauses and reusable endorsement language to ensure consistency across both commercial and personal lines products.
**Coverage Analysis & Product Support**
- Analyze coverage intent, identify unintended grants, gaps, and overlaps, and recommend wording changes to close them.
- Compare our forms against ISO standard forms and competitor manuscript wordings to guide differentiation and coverage positioning.
- Partner with product and underwriting to bring new coverages and product enhancements to market on the wording side.
**Regulatory Filings & Compliance**
- Prepare and manage form filings with state departments of insurance, including submissions through SERFF, and track approvals and objections.
- Ensure forms comply with admitted and non-admitted (E&S) requirements and company policy, conducting independent research of state statutes where required.
- Coordinate with legal resources and carrier personnel to obtain necessary approvals for coverage and forms changes.
**Cross-Functional Collaboration**
- Work with underwriting, claims, legal, and technology teams to align wording with operational reality and system configuration.
- Advise claims on coverage interpretation and feed lessons from claims disputes back into wording improvements.
- Support sales and underwriting with clear explanations of coverage grants, conditions, and exclusions.
**Governance & Maintenance**
- Maintain version control, edition dating, and documentation for all forms and endorsements across the portfolio.
- Monitor regulatory change, case law, and emerging exposures, and update wordings proactively to manage coverage and litigation risk.
**Qualifications & Skills**
- **Education:** A bachelor's degree in Insurance, Business, English, Legal Studies, or a related field, or a JD. Relevant experience and demonstrated skills can substitute for formal education.
- **Experience:** 3+ years drafting or managing commercial lines policy forms, endorsements, or coverage wordings, or comparable insurance coverage/legal experience.
- **Domain:** Strong grasp of both commercial and personal lines
- coverages, ISO forms, manuscript wordings, and policy construction. E&S / non-admitted experience is a plus.
- **Regulatory:** Familiarity with state filing processes and SERFF; understanding of admitted and non-admitted regulatory requirements.
- **Drafting:** Exceptional written precision, with the ability to spot ambiguity, unintended coverage, and gaps in policy language.
- **Credentials:** Insurance designations such as CPCU, or a legal background in insurance coverage, are a plus.
- **Communication:** Excellent communication and stakeholder-management skills across underwriting, legal, and claims.
- **Execution:** Highly organized and detail-oriented, able to manage many forms, editions, and filings in parallel.
**Why SafeLease?**
**The tech:** Our prospects convert fast because we’re solving real problems and delivering serious value to commercial real estate owners.
**The team:** We’re a team of seasoned pros and sharp operators who know how to move fast and build smart. High standards, low ego.
**The stability:** We’re well-funded, growing fast, and we make sure our team shares in that success with competitive pay and equity.
**The employee experience:** We also offer unlimited PTO, full health benefits, flexible work setups, and the kind of culture where people _want_ to show up to do their best work.
_If you don't have all the qualifications listed, don't worry! We understand everyone's career path is unique and still encourage you to apply if you feel this role is aligned with your career trajectory._
_Employment at SafeLease is contingent upon a satisfactory verification of a general and criminal background check._