<h1><strong>Senior PDBI Insurance Consultant / Analyst</strong></h1><div><br></div><div><strong>Location:</strong> Fully Remote </div><div><strong>Type:</strong> Part-Time / Contract (Freelance Retainer) </div><div><strong>Compensation:</strong> Fixed Weekly or Monthly Fee (Negotiable based on experience)</div><div><br></div><div><strong>About Us & The Role</strong></div><div><br></div><div>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.</div><div><br></div><div><strong>The Work:</strong> 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.</div><div><br></div><div><strong>The Upside:</strong> 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.</div><div><br></div><div><strong>Key Responsibilities</strong></div><div><br></div><ul><li class=""><strong>PDBI Market Research:</strong> Continuously monitor and research on PDBI capacity, pricing dynamics, and shifting market appetites.</li><li class=""><strong>Underwriting & Placement Strategy:</strong> Deconstruct how carriers are currently underwriting complex PDBI risks, evaluating standard exclusions, and identifying optimal placement structures.</li><li class=""><strong>Technical Drafting:</strong> Read extensive methodology and policy documents and draft clear, highly descriptive internal memos, risk presentations, and placement strategy guides.</li><li class=""><strong>Friction & Gap Analysis:</strong> 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.</li></ul><div><br></div><div><strong>Who We Are Looking For</strong></div><div><br></div><ul><li class=""><strong>Deep Industry Experience:</strong> 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.</li><li class=""><strong>PDBI Specialization:</strong> Your expertise must be heavily concentrated in Property Damage and Business Interruption.</li><li class=""><strong>Research & Writing Prowess:</strong> You must actually enjoy the rigorous work of reading complex policy wordings and translating that research into well-structured, analytical memos.</li><li class=""><strong>Autonomous Execution:</strong> You thrive in a flexible, remote environment and can deliver high-quality analytical work on a set retainer basis without micromanagement.</li></ul><div><br></div><div><strong>How to Apply</strong></div><div><br></div><div>Please submit a custom 1-2 page proposal rather than a standard cover letter. Your document must include:</div><ol><li class="">A focused overview of your specific, hands-on experience with PDBI placement, pricing, underwriting, and coverage disputes.</li><li class="">Your proposed fee structure (please state your required set weekly or monthly fee for this remote, part-time work).</li><li class="">A brief summary of your current availability and how you prefer to structure freelance work.</li></ol><div><br></div>
