Insurance Policy Analyst

What You'll Do6

• Read and translate policy language, coverage forms, endorsements, and exclusions across several lines of business.
• Work through coverage determinations and policy comparisons, then flag gaps between what a form promises and what it delivers.
• Test coverage positions against state filing rules and regulatory requirements.
• Judge whether an interpretation is accurate, supported by the policy text, and consistent with how the industry reads that provision.
• Write down the reasoning behind each technical judgment so another analyst can follow it and reach the same result.
• Complete 10 to 20 hours of accepted project work each week on a schedule you set.

Requirements9

• One to three years in a full time or equivalent role as a policy analyst, coverage analyst, policy services specialist, or compliance analyst.
• Fluency in policy structure: declarations, insuring agreements, conditions, exclusions, and endorsements.
• A track record of reading policy language on your own and backing coverage conclusions with clear reasoning.
• Grasp of insurance fundamentals such as forms, filings, rating factors, limits, deductibles, and regulatory requirements.
• Bachelor's degree in risk management, insurance, finance, business, or a related field, or practical experience that covers the same ground.
• Preferred: exposure to more than one line of business, whether property and casualty, commercial, life, health, or specialty.
• Preferred: progress toward CPCU, AINS, API, ARM, or a state license.
• Preferred: familiarity with ISO forms, state filing requirements, or NAIC model laws.
• Preferred: hands-on time with policy administration tools such as Guidewire, Duck Creek, or Applied Epic.

Who Should Apply

The fit is someone with one to three years in policy or coverage analysis who can read a form and defend a coverage call without hand-holding. Multi-line exposure, ISO form familiarity, or a Life, Health, or P&C license moves you up the list. Plan on roughly 10 to 20 hours a week for two to three weeks.

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