Insurance SME - Policy & Claims Labeling (Contract)

Brain Co is building AI systems for the insurance industry. We work on complex, document-heavy workflows covering policy interpretation, claims analysis, and coverage reasoning, and we need experienced insurance professionals to help us do it right.

As an Insurance SME, you will annotate insurance documents, review AI-generated outputs, and help us develop the rubrics and benchmarks that define quality for our machine learning pipelines. Your expertise shapes what our models learn and how they are evaluated.

This is a part-time, contract engagement with flexible hours designed to work alongside your existing career, not replace it.

This combined role covers both sides of the insurance document intelligence pipeline: policy interpretation and claim analysis. It is designed for professionals with deep exposure to both underwriting and claims.

Policy Tower labeling tasks:

• Locate and annotate the limits structure within a given excess policy

• Given an insuring agreement and its ensuing exclusions, produce a structured conclusion about how coverage responds to a described scenario

Claim Triage labeling tasks:

• Coverage: Determine whether the alleged loss triggers coverage, citing specific insuring agreements, exclusions, and conditions.

• Liability: Assess the facts of loss and the strength of the liability case against the insured.

• Litigation: Interpret the stage and trajectory of ongoing claim litigation.

• Damages: Annotate claimed amounts and expected loss value based on available claim information.

• USA-based. 3 years of experience minimum; 5+ years strongly preferred, specifically within excess and specialty insurance.

• Experience in excess and specialty (E&S) insurance as an underwriter, broker, claims professional, or coverage counsel.

• Strong written communication skills. You will be producing structured written outputs, not just verbal expertise.

• Ability to work independently and meet annotation throughput targets with high accuracy.

• 3+ years of combined experience in excess and specialty insurance spanning both policy-side and claims-side work, as an underwriter, coverage attorney, wholesale broker, and/or claim adjuster or examiner.

• Ability to interpret excess policy structure and render a coverage conclusion, and to evaluate a claim across all four adjuster dimensions.

• Experience with General Liability, Professional Liability, or other casualty/specialty lines is required.

• Broad multiline experience across General Liability, Professional Liability, and related casualty and specialty lines.

• Prior experience in AI/ML data labeling, legal document review, or expert annotation work.

• Familiarity with ISO forms, manuscript endorsements, and layered program structures.

• Experience with primary and excess GL, professional lines (E&O, D&O, Cyber), or environmental policies.

• Have deep, hands-on experience in specialty insurance including underwriting, claims, broking, or coverage counsel, with a focus on excess and specialty lines (E&S).

• Can read a policy end-to-end including declarations, forms, endorsements, and schedules of underlying, and explain precisely how coverage responds across primary and excess layers.

• Are based in the USA, ideally in the San Francisco Bay Area to collaborate in person with our AI and product teams when needed.

• Are comfortable working in shared documents, async communication tools, and structured annotation interfaces.

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• Part-time, contract engagement with flexible scheduling that fits your current work.

• Competitive hourly rate commensurate with experience and depth of specialty expertise.

• Remote-friendly with collaboration over shared documents and working sessions with our AI and product teams.

• Ideal location: San Francisco / Bay Area for optional in-person collaboration; fully remote applicants with strong credentials will be considered.