You make one call, we make the rest. Harper learns your business, works every market that can write it, and brings back the right coverage at the right price. Backed by Peak XV, Y Combinator and Antler.
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. Great underwriting judgment exists — it's just trapped in individual inboxes, one-off decisions, messy submissions, and tribal knowledge, most of all in specialty commercial and E&S, where risk moves through PDFs, ACORDs, loss runs, supplementals, and broker notes that may or may not answer what an underwriter needs to know.
What they're looking for
- You have 4+ years of commercial underwriting with meaningful specialty commercial or excess and surplus exposure
- You've handled messy risks and imperfect submissions at an MGA, MGU, wholesaler, specialty carrier, program administrator, or similar — not only clean admitted-market accounts
- You have breadth across commercial lines or risk categories: general liability, property, workers' comp, commercial auto, excess/umbrella, professional and E&O, contractors, habitational, restaurants, transportation, or other specialty classes
- 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
- You treat AI as leverage — you're product-curious, you'll sit with engineers and pressure-test system outputs, and you want your judgment to scale across thousands of submissions instead of the one in front of you
More about this role
Harper is an AI-native commercial insurance company in San Francisco. We're not bolting AI onto insurance — we're rebuilding the entire business as software, on a simple bet: turning expert human judgment into compute is one of the largest transitions left to make, and a trillion-dollar industry still run 90% by hand is the place to prove it. We've grown ~100x in the last year and we move at that speed — on-site, in person, long days, very high standards. Almost no one joins Harper for insurance ; they join to build the company that replaces how it works.
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. Great underwriting judgment exists — it's just trapped in individual inboxes, one-off decisions, messy submissions, and tribal knowledge, most of all in specialty commercial and E&S, where risk moves through PDFs, ACORDs, loss runs, supplementals, and broker notes that may or may not answer what an underwriter needs to know. You make that judgment explicit, source-backed, and safe to apply at scale.
This is Harper's in-house underwriting encyclopedia, not an underwriting desk. You...
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