[Remote] Insurance Product Analyst

Note: The job is a remote job and is open to candidates in USA. Clearcover is seeking an Insurance Product Analyst to support the performance, pricing, and regulatory execution of its personal auto products across multiple states. The role monitors product results, supports rate and form filings, investigates analytical questions, and coordinates cross-functional launches and processes.

Responsibilities

• Prepare, submit, and track rate, rule, and policy form filings in SERFF, and help respond to regulator objections — ensuring what we file is reasonable, adequate, and compliant
• Monitor profitability and performance for assigned states using standard industry metrics (top-line and bottom-line), and report out monthly with clear commentary on what moved and why
• Investigate performance questions end to end: pull the data, sanity-check it, find the driver, and recommend an action
• Monitor competitor rates, filings, and products, and translate findings into implications for our pricing and product decisions
• Support the policy forms program: maintain the status of forms by state, help draft and revise forms and endorsements with Legal and Compliance, and keep forms, rates, and effective dates in sync for state launches and product changes
• Build templates and processes to gain efficiencies across the Insurance Product function
• Review analytical output for accuracy and be able to explain and defend results to non-technical audiences
• Keep project work organized across many moving parts: track deliverables, deadlines, and owners, and keep the team and leadership informed
• Collaborate with Growth, Product Technology, Claims, Legal, and Compliance on cross-functional projects and launches
• Document processes and maintain Insurance Product documentation so the team can scale
• Use AI tools actively and with good judgment to accelerate analysis, surface pricing and performance insights, and improve efficiency across Insurance Product workflows

Skills

• Bachelor's degree, or equivalent education, training, and work-related experience
• 2+ years of relevant work experience in insurance, analytics, product, or a closely related field
• Strong Excel skills and comfort working with large datasets from multiple sources; ability to read, sanity-check, and explain data
• Working knowledge of insurance data and metrics (loss ratio, frequency/severity, rate change, retention, etc.)
• Strong problem-solving ability and attention to detail
• Strong organizational skills and the ability to manage multiple priorities in a dynamic environment
• Clear written and verbal communication, including regulator-facing and leadership-facing writing, and the willingness to challenge the status quo
• Alignment with Clearcover core values
• Hands-on experience using AI tools to do real work, with good judgment about when to trust the output and when to check it — required, not optional
• Personal auto or P&C insurance experience
• Experience with SERFF, policy forms, rate filings, or regulator objection responses
• Experience with Airtable or a similar requirements-tracking tool
• Demonstrated experience building AI-assisted workflows, automated reporting, or analytics tooling in an insurance or product environment

Benefits

• Medical: Affordable BCBS plans for you and your dependents.
• If you select the high deductible health plan, we offer an HRA and contribute to your HSA.
• Dental and Vision: We cover 100% of dental and vision premiums for you and your dependents.
• Pre-tax benefits, disability, and life insurance
• 401(k): We contribute 3%, even if you contribute nothing.
• Generous vacation, 12 paid holidays, and parental leave
• Equity in the company and an annual bonus program
• Employee auto insurance discount (if Clearcover is available in your state)
• We're a remote first company, having paved the way for flexible work locations. If you're local or visiting Chicago, you're also welcome to work from our HQ office.

Company Overview

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