产品专家 - 商业房产
Product SME - Commercial Property
我们致力于革新保险行业。理赔处理（即我们是否应支付该索赔？）虽然常常被忽视，却是整个行业的基础。目前，这一过程高度依赖人工，涉及电话、传真和直觉判断，每年耗费数十亿美元。我们可以做得更好。
在Assured，我们为大型保险公司提供软件解决方案，帮助他们在技术驱动的现代世界中赢得竞争。从自助理赔提交软件到后端欺诈检测，我们是为全球一些最大保险公司提供理赔处理动力的引擎。
我们面临的挑战深刻而多样，从创建在理赔人最紧张和脆弱时提供舒适和清晰体验的数字化流程，到协调数十亿美元理赔支付的大型机器学习驱动决策，Assured的工作充满活力、协作和成就感。
你深入了解商业财产理赔：信息不完整、承保问题、承包商估算不一致、业主等待重新开业，以及无法简单地通过下拉菜单解决的判断决策。现在想象一下，利用你的专业知识来构建使这些决策更快、更清晰、更一致的技术。
作为商业财产产品的专业领域专家，你将成为理赔处理现实与下一代产品开发团队之间的桥梁。你将与产品、工程、分析和其他团队合作，将真实的理赔知识转化为更好的工作流程、更强的数据和自动化工具，帮助保险公司处理复杂的损失，同时不失去良好理赔所需的判断力和上下文。
### **你将解决的一些问题：**
🔍 **商业财产理赔流程中哪些环节造成不必要的延迟、返工或不确定性？** 从首次通知损失（FNOL）到调查、承保评估、损害评估、修复、结算和结案，绘制理赔生命周期，以识别摩擦点和改进机会。
🧩 **在理赔决策过程中缺少哪些信息，或者信息不一致、难以使用？** 识别政策、损失、检查、估价、供应商、业务中断和文档数据方面的差距，这些是理赔团队做出合理决策所需的信息。
📐 **一份高质量、可辩护的商业财产理赔是什么样的？** 定义调查、承保分析和损害评估的实际标准。
查看英文原文
Assured is on a mission to modernize insurance. Claims processing (i.e. should we pay this claim?), while often overlooked, is the foundation of the entire industry. It’s currently highly manual, involving phone calls, faxes, and gut instinct, costing tens of billions of dollars a year. We can do better.
At Assured, we provide large insurers with the software solutions they need to win in a modern, technology-driven world. From self-service claim-filing software to backend fraud detection, we’re the engine that powers claims processing for some of the largest insurers in the world.
The challenges we face are deep and diverse, from creating digital experiences that provide comfort and clarity to claimants at their most stressed and vulnerable to orchestrating large-scale ML-driven decision-making on billions of dollars of claims payments, life at Assured is dynamic, collaborative, and rewarding.
You know Commercial Property claims from the inside: the incomplete information, the coverage questions, the contractor estimates that do not quite line up, the business owner waiting to reopen, and the judgment calls that do not fit neatly into a dropdown menu. Now imagine using that expertise to help build the technology that makes those decisions faster, clearer, and more consistent at scale.
As a Product Subject Matter Expert for Commercial Property, you will be the bridge between the realities of claims handling and the teams building what comes next. You’ll work alongside Product, Engineering, Analytics, and other teams to turn real-world claims knowledge into better workflows, stronger data, and automation that helps insurers handle complex losses without losing the judgment and context that good claims work requires.
### **Some of the problems you’ll solve:**
🔍 **Where does the Commercial Property claims process create unnecessary delay, rework, or uncertainty?** Map the claim lifecycle from FNOL through investigation, coverage evaluation, damage assessment, restoration, settlement, and closure to identify friction points and improvement opportunities.
🧩 **What information is missing, inconsistent, or difficult to use when claim decisions are made?** Identify gaps in the policy, loss, inspection, estimate, vendor, business interruption, and documentation data claims teams need to make sound decisions.
📐 **What does a high-quality, defensible Commercial Property claim look like?** Define practical standards for investigation, coverage analysis, damage assessment, documentation, estimating, reserving, vendor coordination, and settlement decisions.
💸 **Where are we losing time, money, or trust?** Identify ways to reduce claim duration, improve estimate and reserve accuracy, limit leakage and litigation exposure, strengthen vendor performance, and help insureds recover faster.
🤖 **Where can automation create real leverage without weakening claim quality or compliance?** Identify workflows where structured data, intelligent routing, automation, or AI can improve consistency and speed while preserving appropriate human judgment and controls.
### **How you’ll make an impact:**
🧭 **Bring the real Commercial Property claims process into product decisions.** Translate claims expertise into product requirements, workflows, edge cases, and decision frameworks.
🔗 **Connect the operational, coverage, and financial picture.** Help teams understand how claim decisions affect indemnity spend, expense management, reserves, business-interruption exposure, vendor costs, litigation risk, and loss performance.
🛠 **Improve the inputs and outputs of the claims process.** Shape how loss, inspection, estimate, policy, vendor, and financial information is captured and structured, then improve the workflows, reporting, automation, and product experiences built from it.
🤝 **Align teams around the same definition of quality.** Partner across Product, Engineering, Analytics, Claims Operations, Finance, Customer Success, and Leadership to address root causes and drive improvements.
📊 **Turn operational insight into measurable product improvements.** Prioritize changes that improve claim outcomes—not just workflow activity.
🎓 **Serve as a trusted internal authority on Commercial Property claims.** Guide teams through coverage evaluation, damage assessment, scoping and estimating, restoration, business interruption, reserving, vendor coordination, documentation, and settlement.
💬 **Make complex claims concepts understandable and usable.** Clearly communicate findings, tradeoffs, and recommendations across technical and non-technical audiences.
### **What we’re looking for:**
🧾 Deep, hands-on Commercial Property claims experience, ideally as a field or desk adjuster, examiner, supervisor, or claims leader at a P&C carrier, TPA, MGA, or commercial property focused organization.
🏢 Strong knowledge of the full Commercial Property claim lifecycle: FNOL, investigation, coverage evaluation, damage assessment, scoping and estimating, restoration, business interruption, reserving, settlement, and closure.
📋 Sound judgment navigating complex coverage, documentation, vendor, and financial considerations in high-severity or large-loss claims.
🧠 A demonstrated ability to evaluate complex workflows, identify root causes, and distinguish meaningful improvements from cosmetic ones.
🚀 Comfort owning ambiguous, high-leverage work with significant operational and financial impact.
🤖 Curiosity about how automation and AI can improve claims workflows—paired with the judgment to know where human expertise, documentation, and controls still matter.
**We care more about deep Commercial Property claims judgment and the ability to translate it into product impact than experience with any particular software or internal tool.**
**Benefits:**
🤑 Competitive Compensation: Competitive salary and equity packages for all employees
🏥 Healthcare Plan: Platinum medical, dental, and vision
🛡️ Free life insurance: Including long-term disability & short-term disability
🏄 Unlimited PTO: Uncapped vacation days & paid holidays
👶 Family Leave: Maternity & paternity
📈 401(k) Contribution: Assured contributes 3% of your income, even if you don't contribute
🏠 WFH Benefits: Lunch on us 2x/week, monthly phone stipend & other home office perks
👪 Health FSAs & HSAs: Pre-tax accounts for out-of-pocket medical expenses
🤝 Team events & Offsites: We're remote, but we regularly get together
****We have been made aware of individuals falsely posing as recruiters from Assured Insurance Technologies Inc. Please note that we only contact candidates from official @** [**assured.claims**](http://assured.claims) **email addresses and all interviews are conducted through verified company channels. If you are unsure whether a message is legitimate, please contact us directly at recruiting-ops@assured.claims before sharing any personal information****
**Our Commitment:**
_We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, sex, gender, gender expression, sexual orientation, age, marital status, veteran status, or disability status. We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, perform essential job functions, and receive other benefits and privileges of employment. Please contact us to request accommodation._