Product SME - Commercial Property

Job description

Assured is on a mission to modernize insurance. Claims processing (i.e. should we pay this claim?), while often overlooked, is the foundation of the entire industry. It’s currently highly manual, involving phone calls, faxes, and gut instinct, costing tens of billions of dollars a year. We can do better. At Assured, we provide large insurers with the software solutions they need to win in a modern, technology-driven world. From self-service claim-filing software to backend fraud detection, we’re the engine that powers claims processing for some of the largest insurers in the world. The challenges we face are deep and diverse, from creating digital experiences that provide comfort and clarity to claimants at their most stressed and vulnerable to orchestrating large-scale ML-driven decision-making on billions of dollars of claims payments, life at Assured is dynamic, collaborative, and rewarding. You know Commercial Property claims from the inside: the incomplete information, the coverage questions, the contractor estimates that do not quite line up, the business owner waiting to reopen, and the judgment calls that do not fit neatly into a dropdown menu. Now imagine using that expertise to help build the technology that makes those decisions faster, clearer, and more consistent at scale. As a Product Subject Matter Expert for Commercial Property, you will be the bridge between the realities of claims handling and the teams building what comes next. You’ll work alongside Product, Engineering, Analytics, and other teams to turn 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. SOME OF THE PROBLEMS YOU’LL SOLVE: 🔍 Where does the Commercial Property claims process create unnecessary delay, rework, or uncertainty? Map the claim lifecycle from FNOL through investigation, coverage evaluation, damage assessment, restoration, settlement, and closure to identify friction points and improvement opportunities. 🧩 What information is missing, inconsistent, or difficult to use when claim decisions are made? Identify gaps in the policy, loss, inspection, estimate, vendor, business interruption, and documentation data claims teams need to make sound decisions. 📐 What does a high-quality, defensible Commercial Property claim look like? Define practical standards for investigation, coverage analysis, damage assessment, documentation, estimating, reserving, vendor coordination, and settlement decisions. 💸 Where are we losing time, money, or trust? Identify ways to reduce claim duration, improve estimate and reserve accuracy, limit leakage and litigation exposure, strengthen vendor performance, and help insureds recover faster. 🤖 Where can automation create real leverage without weakening claim quality or compliance? Identify workflows where structured data, intelligent routing, automation, or AI can improve consistency and speed while preserving appropriate human judgment and controls. HOW YOU’LL MAKE AN IMPACT: 🧭 Bring the real Commercial Property claims process into product decisions. Translate claims expertise into product requirements, workflows, edge cases, and decision frameworks. 🔗 Connect the operational, coverage, and financial picture. Help teams understand how claim decisions affect indemnity spend, expense management, reserves, business-interruption exposure, vendor costs, litigation risk, and loss performance. 🛠 Improve the inputs and outputs of the claims process. Shape how loss, inspection, estimate, policy, vendor, and financial information is captured and structured, then improve the workflows, reporting, automation, and product experiences built from it. 🤝 Align teams around the same definition of quality. Partner across Product, Engineering, Analytics, Claims Operations, Finance, Customer Success, and Leadership to address root causes and drive improvements. 📊 Turn operational insight into measurable product improvements. Prioritize changes that improve claim outcomes—not just workflow activity. 🎓 Serve as a trusted internal authority on Commercial Property claims. Guide teams through coverage evaluation, damage assessment, scoping and estimating, restoration, business interruption, reserving, vendor coordination, documentation, and settlement. 💬 Make complex claims concepts understandable and usable. Clearly communicate findings, tradeoffs, and recommendations across technical and non-technical audiences. WHAT WE’RE LOOKING FOR: 🧾 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. We care more about deep Commercial Property claims judgment and the ability to translate it into product impact than experience with any particular software or internal tool. 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 👶 Family Leave: Maternity & paternity 📈 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 **We have been made aware of individuals falsely posing as recruiters from Assured Insurance Technologies Inc. Please note that we only contact candidates from official @assured.claims http://assured.claims email addresses and all interviews are conducted through verified company channels. If you are unsure whether a message is legitimate, please contact us directly at recruiting-ops@assured.claims before sharing any personal information** Our Commitment: We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, sex, gender, gender expression, sexual orientation, age, marital status, veteran status, or disability status. We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, perform essential job functions, and receive other benefits and privileges of employment. Please contact us to request accommodation.