Part-time remote contract role to perform deep technical analysis of Property Damage and Business Interruption (PDBI) insurance: market research, underwriting and placement strategy analysis, detailed policy wording review, drafting analytical memos, and documenting systemic coverage disputes and root causes.
Senior PDBI Insurance Consultant / Analyst
Location: Fully Remote
Type: Part-Time / Contract (Freelance Retainer)
Compensation: Fixed Weekly or Monthly Fee (Negotiable based on experience)
About Us & The Role
We are a well-funded, highly innovative, and frankly contrarian startup fundamentally rethinking risk-based decision making in insurance. Our approach to analyzing and buying insurance is risk and data-driven. To support our mission, we are bringing on a deeply experienced Property Damage and Business Interruption (PDBI) specialist to help with research and validation.
The Work: Expect heavy research, deep reading of complex policy wordings, and drafting detailed, descriptive memos. This is heads-down, technical analysis - getting deep into the weeds of PDBI methodology and policy mechanics. There is no client hand-holding or flashy presentation work here; just pure, rigorous risk analysis.
The Upside: We offer total flexibility. This is a fully remote, highly autonomous, part-time engagement. It is an ideal fit for an industry veteran - an underwriter, actuary, or in-house insurance manager - who wants to apply their deep insider knowledge to an ambitious project on their own schedule.
Key Responsibilities
- PDBI Market Research: Continuously monitor and research on PDBI capacity, pricing dynamics, and shifting market appetites.
- Underwriting & Placement Strategy: Deconstruct how carriers are currently underwriting complex PDBI risks, evaluating standard exclusions, and identifying optimal placement structures.
- Technical Drafting: Read extensive methodology and policy documents and draft clear, highly descriptive internal memos, risk presentations, and placement strategy guides.
- Friction & Gap Analysis: Research and document systemic industry issues related to PDBI coverage disputes, specifically analyzing the root causes of why PDBI losses are contested, delayed, or left unpaid by carriers.
Who We Are Looking For
- Deep Industry Experience: This role is strictly for seasoned professionals. We give heavy preference to those who have worked extensively within the insurance industry and intimately understand its mechanics, flaws, and unwritten rules.
- PDBI Specialization: Your expertise must be heavily concentrated in Property Damage and Business Interruption.
- Research & Writing Prowess: You must actually enjoy the rigorous work of reading complex policy wordings and translating that research into well-structured, analytical memos.
- Autonomous Execution: You thrive in a flexible, remote environment and can deliver high-quality analytical work on a set retainer basis without micromanagement.
How to Apply
Please submit a custom 1-2 page proposal rather than a standard cover letter. Your document must include:
- A focused overview of your specific, hands-on experience with PDBI placement, pricing, underwriting, and coverage disputes.
- Your proposed fee structure (please state your required set weekly or monthly fee for this remote, part-time work).
- A brief summary of your current availability and how you prefer to structure freelance work.
Similar Jobs
Cloud • Healthtech • Social Impact • Software • Biotech
Sell Benchling’s AI-driven biotech R&D platform into top enterprise accounts across DACH, generating 80% of pipeline, managing complex 7+ figure deals, forecasting accurately, negotiating with multi-persona stakeholders up to CxO, and coordinating cross-functional teams and partners to drive adoption and revenue.
Top Skills:
AIAWSBenchlingSalesforce
Enterprise Web • Hardware • Internet of Things • Software
Embed with manufacturing customers to design, build, and deploy Tulip solutions. Lead OT/IT integrations (PLCs, MES/ERP, quality systems), troubleshoot production issues, and deliver scalable, production-ready applications. Advise on architecture, document solutions, and represent customer needs to Product and Engineering.
Top Skills:
Cloud-NativeEmbedded AiErpMachine Data IntegrationsMesNo-Code PlatformPlcsQuality SystemsTulip Frontline Operations Platform
Information Technology • Software • Financial Services • Quantitative Trading
Conduct research, statistical analyses, and develop automated trading strategies using large data sets and sophisticated statistical techniques.
Top Skills:
C++MatlabPythonR
What you need to know about the San Francisco Tech Scene
San Francisco and the surrounding Bay Area attracts more startup funding than any other region in the world. Home to Stanford University and UC Berkeley, leading VC firms and several of the world’s most valuable companies, the Bay Area is the place to go for anyone looking to make it big in the tech industry. That said, San Francisco has a lot to offer beyond technology thanks to a thriving art and music scene, excellent food and a short drive to several of the country’s most beautiful recreational areas.
Key Facts About San Francisco Tech
- Number of Tech Workers: 365,500; 13.9% of overall workforce (2024 CompTIA survey)
- Major Tech Employers: Google, Apple, Salesforce, Meta
- Key Industries: Artificial intelligence, cloud computing, fintech, consumer technology, software
- Funding Landscape: $50.5 billion in venture capital funding in 2024 (Pitchbook)
- Notable Investors: Sequoia Capital, Andreessen Horowitz, Bessemer Venture Partners, Greylock Partners, Khosla Ventures, Kleiner Perkins
- Research Centers and Universities: Stanford University; University of California, Berkeley; University of San Francisco; Santa Clara University; Ames Research Center; Center for AI Safety; California Institute for Regenerative Medicine
