Insurance Coverage Specialist

Our client, a leading P&C Insurance Carrier are seeking an Insurance Coverage Specialist to work on a broad spectrum of P&C policy forms, including bureau (mostly ISO), admitted, surplus lines, company specific and manuscript wordings. The priority is drafting commercial lines policies and endorsements - primary casualty, excess liability, umbrella, professional liability, property, first-party insurance, and speciality lines.

• Provides expert advice on the research, creation and maintenance of coverage language.
• Works collaboratively with the underwriting divisions on coverage's for product development, competitive analysis, line of business initiatives and emerging issues.
• Aligns coverage with profitability, growth and retention objectives of the company.
• Identifies coverage that deviates from current standard forms or common industry practices, or that does not reflect the underwriting intent.
• Furnishes constructive wording alternatives for company use.
• Delivers guidance to underwriters, senior management and others involved in policy wording decisions.
• Viewed as a mentor on policy wording issues for underwriters.

• Keeps current on insurance policy wording developments, ISO's research, emerging issues and competitors' forms to communicate to underwriters and senior management the importance and impact of proposed wording changes.
• Continually develops specialised knowledge of P&C lines of business to identify wording solutions for the policy structures that meet the business needs.
• Collaborates with other Insurance Coverage Specialists, Reinsurance Contracts Specialists, Underwriters, Claims, Regulatory Specialists and Legal colleagues to improve wordings.
• Prioritizes, organizes and optimizes workloads to promote cost-effective delivery and support for coverage documents.
• Develops and implements Admitted Form Filings with the underwriting divisions and regulatory unit.
• Sets challenging goals and works to meet them.
• Effectively manages time and meets deadlines.

• College degree required. CPCU designation preferred.
• Sustained track record in an Insurance Coverage Specialist, Insurance Policy Analyst, Insurance Product Analyst or similar position. Underwriters, Claims/ Legal Professionals with at least five years of coverage experience may also be considered.
• Extensive knowledge of surplus lines and admitted insurance standards, practices and principles.
• Strong knowledge of optimizing insurance policy wording and features to lines of business.
• Reinsurance contract wording experience a plus.
• Excellent analytical and communication skills.
• High attention to detail and accuracy.
• Ability to work independently and collaborate with colleagues within and across departments.
• Excellent technology skills, including Word, Adobe, Excel, SharePoint and Outlook. Use of AI or LLM a plus.
• Additional consideration may be given for being an active contributor to ISO's Panels or an insurance trade association's committees.