Pricing Actuary Contractor (Commercial Auto) - US Expansion

As a Pricing Actuary Contractor for a ~3-month contract (~20 hours/week), you will lead the bespoke risk assessment and experience rating for INSHUR’s largest commercial auto accounts in the US market. Collaborating closely with the Pricing Team and Underwriting Team, you’ll ensure accurate, competitive pricing as INSHUR expands into new states. Your work will involve analyzing imperfect data, refining pricing tools, and driving strategic pricing decisions for high-value submissions (typically $500k+ in premium).

Key Responsibilities

• Drive Large Account Pricing: Develop tailored experience rating and pricing models for commercial auto accounts, ensuring alignment with market trends and INSHUR’s strategic goals.

• Collaborate on Risk: Work directly with underwriters to assess complex risk factors and translate them into precise pricing adjustments.

• Upgrade Pricing Tools: Own and enhance INSHUR’s large account pricing template, improving its analytical rigor and scalability.

• Analyze Loss Trends: Conduct in-depth loss trend analyses using internal data and industry benchmarks to inform pricing strategies.

• Navigate Complex Data: Independently clean, validate, and derive actionable insights from messy or incomplete datasets.

Requirements

Essential:

• Large Account Pricing Experience: Proven expertise in commercial auto or general liability pricing, with a focus on experience rating for high-value accounts.

• Data Resilience: Ability to work autonomously with imperfect data, extracting meaningful patterns and mitigating biases.

• Underwriting Collaboration: Strong track record of bridging the gap between underwriting teams and pricing models.

• Advanced Excel: Proficiency in building, modifying, and optimizing complex pricing templates (e.g., VBA, pivot tables, scenario analysis).

Nice to Have:

• SQL Skills: Experience querying databases to support pricing analyses.

• Note: Actuarial credentials (e.g., FCAS/ACAS) are welcome but not mandatory. Practical experience takes precedence.