# Senior Commercial Underwriter, Underwriting Intelligence at Harper

- Company: Harper
- What the company does: 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.
- Company website: https://www.harperinsure.com/
- Type: Startups (AI role)
- Level: Senior
- Location: San Francisco
- Work setup: On-site
- Pay: $125K to $175K base salary per year (USD)
- Posted: 2026-06-02
- Apply by: 2026-10-08
- Apply: https://jobs.ashbyhq.com/harperinsure/57521df4-7480-4ac4-90be-5a97650939bf
- Page: https://www.1752.vc/careers/jobs/harper-senior-commercial-underwriter-underwriting-intelligence/

## 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

Tags: Operations