Senior Commercial Underwriter, Underwriting Intelligence

Harper is an AI-native commercial insurance company in San Francisco. We're not bolting AI onto insurance — we're rebuilding the entire business as software, on a simple bet: turning expert human judgment into compute is one of the largest transitions left to make, and a trillion-dollar industry still run 90% by hand is the place to prove it. We've grown ~100x in the last year and we move at that speed — on-site, in person, long days, very high standards. Almost no one joins Harper for insurance; they join to build the company that replaces how it works.

The role in one line

You're a senior commercial underwriter who thinks in systems — here to encode your judgment into the appetite rules, routing logic, and submission standards an AI can run, not just to quote and bind one account at a time.

Why this role exists now

Great underwriting judgment exists. Almost none of it compounds. It's trapped in individual inboxes, one-off decisions, messy submissions, and tribal knowledge — and that's most true in specialty commercial and E&S, where risk moves through emails, PDFs, ACOR