If you understand how class codes, exposure, and mod factors are determined—and you want to shape the next generation of data-driven underwriting tools—this role is a unique opportunity.

Contract Overview

Contract Type: Part-time, independent contractor

Time Commitment: approx. 5 hours per week

Location: Remote (U.S. preferred)

Rate: $110–$150/hr based on experience

Suitability: Ideal for currently employed underwriters or loss-control professionals seeking meaningful advisory work alongside existing commitments

Scope of Work

Collaborate with product and AI teams to translate workers’ compensation underwriting practice into structured rules, logic, and workflows inside SoterAI

Define how class codes should be mapped to real operational tasks and exposures captured through SoterAI

Advise on the evidence underwriters require to justify:

• Reclassification of roles
• Payroll splitting
• Schedule credits
• Risk-control credits
• Lower experience-mod impact

Review and refine SoterAI’s data models to ensure they align with how carriers evaluate exposure and risk

Design templates and reporting formats that mirror underwriting expectations (e.g., exposure summaries, job breakdowns, control verification, hazard profiles)

Ensure outputs are realistic, regulator-compliant, and persuasive to brokers and insurers

Provide feedback on early prototypes, helping us validate whether the system’s conclusions would be accepted by real underwriters

Support internal documentation and training for how SoterAI’s insurance-reduction tools should be used and presented to insurers or brokers

Ideal Background

• 8+ years in workers’ compensation underwriting, premium audit, or loss-control roles
• Deep understanding of NCCI and state-specific classification systems
• Experience determining or reviewing class code assignments, schedule credits, exposure splits, or experience mod calculations
• Strong ability to translate underwriting criteria into clear rules, logic, and evaluation steps
• Excellent written communication for technical, regulatory, or insurance audiences
• Experience evaluating safety programs and understanding how controls influence underwriting decisions
• Familiarity with how brokers argue for premium reductions during renewal negotiations

Bonus Skills

• Experience from major carriers (Travelers, Liberty Mutual, Zurich, Chubb, The Hartford, etc.)
• Data-driven underwriting or experience working with exposure-modeling tools
• Familiarity with AI tools like ChatGPT, Claude, or Copilot (or a strong interest in them)
• Background in loss control or industrial safety
• Experience with multi-state workers’ comp complexity

Flexibility & Fit

This is a contract-based advisory position. You’ll support the product team for approximately 5 hours per week, on a schedule that fits your availability. The role is ideal for professionals currently employed at carriers who want to contribute expertise to a modern, data-driven product—without conflicts of interest or heavy time commitments.