Product SME - Commercial Property

About the role

The Product Subject Matter Expert for Commercial Property at Assured is a critical bridge between the realities of claims handling and the teams building the technology that powers claims processing. This role involves translating 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.

Responsibilities

• Identify friction points in the Commercial Property claims process and propose improvements.
• Map the claim lifecycle from FNOL through investigation, coverage evaluation, damage assessment, restoration, settlement, and closure to pinpoint areas for enhancement.
• Pinpoint gaps in the policy, loss, inspection, estimate, vendor, business interruption, and documentation data claims teams need to make informed decisions.
• Define practical standards for investigation, coverage analysis, damage assessment, documentation, estimating, reserving, vendor coordination, and settlement decisions.
• Reduce claim duration, improve estimate and reserve accuracy, limit leakage and litigation exposure, strengthen vendor performance, and help insureds recover faster.
• Identify workflows where automation can improve consistency and speed while preserving appropriate human judgment and controls.

Requirements

• 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.

Qualifications

• BS/BA degree in a relevant field (e.g., actuarial science, business, engineering).
• Experience with Microsoft Office Suite.
• Excellent communication and collaboration skills.
• Ability to manage multiple projects simultaneously.

Skills

• Commercial Property claims expertise.
• Strong analytical and problem-solving skills.
• Effective communication and presentation skills.
• Experience with project management tools.

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.
• Maternity & paternity leave.
• 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.

Pay

$120K - $140K

Schedule

Full-time