Insurance Claims Expert

Job Description

Job Title: Insurance Claims Expert

Job Type: Contract

Location: Remote

About Us

micro1 is the end-to-end human data infrastructure behind AGI. Our AI recruiter model is used by frontier AI labs and Fortune 10s to source, vet, and deploy PhDs and professors from the world’s top universities at scale. These experts are placed directly into the training loops of the most advanced AI systems, powering the breakthroughs that move models forward. Our data platform converts their expertise into high-signal training datasets, and our talent management tooling measures, routes, and improves performance at scale.

Job Summary

Join our team as an Insurance Claims Expert and play a pivotal role in evaluating and resolving complex commercial property claims. You’ll leverage your strong analytical, communication, and documentation skills to interpret policy language, assess financial losses, and deliver clear, defensible coverage analyses. This is a unique opportunity to collaborate with industry experts, shape best practices, and make a tangible impact within a dynamic remote environment.

Key Responsibilities

• Interpret and apply commercial property policy language, including building, BPP, stock, conditions, exclusions, and endorsements.
• Analyze time-element coverages such as Business Interruption, Extra Expense, civil authority, ingress/egress, dependent property, and service interruption.
• Evaluate claims using comprehensive financial-loss methodologies, considering trends, continuing vs. saved expenses, sublimits, deductibles, and offsets.
• Draft and refine claim scenarios and grading rubrics with precise, defensible coverage reasoning grounded in actual policy text.
• Prepare thorough claim documentation, loss measurements, and professional reports to ensure clarity and compliance.
• Collaborate closely with prompt engineering and evaluation teams to enhance model performance, accuracy, and consistency.
• Maintain up-to-date knowledge of industry practices, regulatory requirements, and policy wordings relevant to commercial property claims.

Required Skills and Qualifications

• Professional experience in commercial property claims, time-element (BI/EE) adjusting, coverage analysis, consulting, forensic accounting, or coverage law.
• Advanced knowledge of coverage interpretation, especially in commercial property insurance policies.
• Proven ability to write clear, structured coverage analyses and claim documentation grounded in policy language.
• Strong financial acumen with comfort analyzing financial statements and claim-related documentation.
• Exceptional written and verbal communication skills, with a keen attention to clarity and detail.
• Demonstrated ability to work independently in a remote environment while collaborating with cross-functional teams.
• Skilled in balancing multiple priorities and managing complex claim scenarios effectively.