业务分析师:承运商数据、集成与自动化(商业保险)
Business Analyst: Carrier Data, Integrations & Automation (Commercial Insurance)
关于CoverForce
CoverForce正在改变商业保险的购买和销售方式。成千上万的保险代理人和企业客户使用我们的平台进行报价、比较和购买商业保险,我们与Travelers、Liberty Mutual和Chubb等保险公司合作,简化承保和销售流程——将单个保单所需时间减少了60%。
我们的平台包括一个被美国前100大保险分销商中多家信任的报价和绑定体验,以及一个嵌入式保险API,由Walmart、Gusto和Uber等合作伙伴使用,以在他们自己的产品中直接提供商业保险。我们正在构建成为保险分销的连接层——保险界的Plaid。
2022年成立,CoverForce已从Insight Partners、NYCA Partners、QED Investors以及来自Google、Uber、Walmart的高管和Plaid的一位联合创始人筹集了超过1800万美元。
关于该职位
CoverForce集成的每家保险公司都有自己的方言——自己的行业代码、自己的承保问题、自己的风险偏好规则——而这些都不与其他公司的对得上。这个职位的存在是为了将所有这些特定于保险公司的混乱转化为一个干净、标准化的结构,供我们的平台使用,并在保险公司不断变化的规则下保持其准确性。
这不是一个项目管理或需求收集的职位。你不会编写工单或管理待办事项列表。你会进行实际的数据工作:打开保险公司的原始承保表,弄清楚它的含义,并将其转化为系统可以正确使用的格式。这是细致的、逐家保险公司的任务,它会奖励那些通过构建工具和快捷方式而不是仅仅逐行处理来提高效率的人。
你将做的事情
你将面对一些重复性问题,而不是固定的检查清单。如何解决它们取决于你。
- 行业和类别代码在不同保险公司之间不匹配。每家保险公司都有自己的专有代码列表——通常超过1000个代码——映射到标准化系统如NAICS、SIC和NCCI。需要有人建立并维护这种映射,并找到一种随着保险公司更新其列表而可扩展的方法。
- 承保逻辑以混乱的形式出现。保险公司将他们的承保问题作为电子表格、API规范或PDF提供给我们——从不以我们可以直接使用的格式。弄清楚一个问题的实际含义、适用范围(哪些州、哪些类别代码)、它依赖什么,以及我们是否已经处理过这些问题。
查看英文原文
About CoverForce
CoverForce is transforming how commercial insurance gets bought and sold. Thousands of insurance agents and corporate customers use our platform to quote, compare, and buy business insurance, and we partner with carriers like Travelers, Liberty Mutual, and Chubb to streamline underwriting and sales — cutting the time spent on a single policy by 60%.
Our platform includes a quote-and-bind experience trusted by several of the top 100 insurance distributors in the US, and an embedded insurance API used by partners like Walmart, Gusto, and Uber to offer business insurance directly inside their own products. We're building toward being the connective layer for insurance distribution — the Plaid of insurance.
Launched in 2022, CoverForce has raised over $18M from Insight Partners, NYCA Partners, QED Investors, and executives from Google, Uber, Walmart, and a co-founder of Plaid.
About the role
Every carrier CoverForce integrates with speaks its own dialect — its own industry codes, its own underwriting questions, its own appetite rules — and none of it lines up with anyone else's. This role exists to translate all of that carrier-specific chaos into one clean, standardized structure that our platform runs on, and to keep it accurate as carriers change their rules underneath us.
This isn't a project-management or requirements-gathering role. You won't be writing tickets or managing a backlog. You'll be doing the actual data work: opening a carrier's raw underwriting sheet, figuring out what it means, and turning it into something our system can use correctly. It's detailed, carrier-by-carrier work, and it rewards someone who gets faster at it over time by building tools and shortcuts rather than just grinding through the rows.
What you'll do
You'll be working against a few recurring problems, not a fixed checklist. How you solve them is up to you.
- Industry and class codes don't match across carriers. Every carrier has its own proprietary code list — often 1,000+ codes — mapped against standardized systems like NAICS, SIC, and NCCI. Someone needs to build and hold that mapping, and figure out an approach that scales as carriers revise their lists.
- Underwriting logic arrives as a mess. Carriers hand us their underwriting questions as a spreadsheet, an API spec, or a PDF — never in a form we can use directly. Figuring out what a question actually means, when it applies (which states, which class codes), what it depends on, and whether we already have the answer elsewhere, is a real problem to be solved for each carrier.
- Onboarding a new carrier and updating an existing one are the same problem. Carriers don't stand still — they revise codes, questions, and appetite on their own schedule, constantly, across 65+ live integrations. There's no meaningful difference between doing this work for a brand-new carrier versus an existing one that just changed something; it's the same kind of problem, repeated at scale.
- Carriers ask the same question in different words. We run a script that tries to flag underwriting questions that are effectively duplicates across carriers, so we only ask each one once. The script gets this wrong sometimes — someone needs to catch it.
- Carrier appetite isn't documented anywhere consistent. We need a reliable way to know, for a given industry, state, and policy type, which carriers will actually write the business — and to keep that current.
- Leadership will occasionally need a fast, accurate answer on a carrier, coverage, or data-quality question that doesn't fit neatly into the above.
The single biggest lever in this role is automation. This work is naturally repetitive, and we want someone who treats that repetition as a problem to solve rather than a task to grind through — building scripts, spreadsheet tooling, or AI-assisted workflows, and pulling in engineering help or third-party tools where that's the faster path. There's a lot of open scope here to explore what's possible.
What we're looking for
Must have
- Exceptional attention to detail. You're working in spreadsheets with thousands of rows where one wrong cell can break a carrier integration, and that has to bother you enough to catch it.
- A genuine drive to automate. When something's repetitive, you actively want to solve it — a formula, a script, an AI-assisted workflow, or looping in a developer or third-party tool to fix it properly — rather than just doing it faster by hand.
- Real ownership. You can take a messy, inconsistent source file from a carrier and turn it into clean, correct, structured output without needing much hand-holding.
- You like asking questions. Not just tolerate needing to — you actively seek out the person or source who can clarify something rather than guessing.
- A fast learner. You can pick up an unfamiliar domain quickly and get comfortable enough in it to be dangerous within weeks, not months.
- Able to work remotely from India.
Nice to have
- Experience in commercial P&C insurance (BOP, Workers' Comp, GL, Auto) — this helps you pick up underwriting language faster, but it's teachable, so it's not a hard requirement.
- Familiarity with NAICS, SIC, or NCCI coding systems.
- Background as a business analyst, product analyst, or data/systems analyst doing actual requirements-mapping or systems-integration work — as opposed to project coordination, sprint planning, or ticket triage. (Business analysts at banks or financial institutions doing systems integration and data mapping are a strong fit even without insurance experience.)
- Prior experience at a company integrating with multiple external partner APIs or carriers.
- Python or other scripting experience.
A note on fit: this role has real room to grow — as our carrier count keeps climbing, there's a lot of scope to build automation and eventually own larger pieces of this pipeline. But day one is hands-on, detailed data work, not strategy. It's a great fit for someone who wants to be excellent at something specific and build outward from there, not someone looking to skip straight to a senior, hands-off role.
Originally posted on Himalayas