Business Analyst – Property Insurance (Forms & Endorsements)

Position Overview

As a Business Analyst in our property insurance division, you will play a key role integrating product, data, systems, and regulatory functions. You will perform deep analytics of policy, underwriting, and claims data; support the drafting, filing and maintenance of policy forms and endorsements; conduct audits of claim files and policy administration to ensure compliance and quality; and assist with system testing, requirement definition, and change implementation. Your work will support product competitiveness, regulatory compliance, operational integrity and data‐driven decision making.

Key Responsibilities

• Analyze large datasets (policy, underwriting, claims, production, retention) to identify trends, anomalies, opportunities and risk indicators.
• Plan and execute audits of claim files, policy files, endorsements and forms to verify completeness, accuracy, compliance with filed forms, and adherence to internal controls.
• Support or lead the development, revision and maintenance of policy forms, endorsements, manuals, rulebooks and product documentation.
• Prepare and file policy forms, endorsements and product documentation with state insurance departments and regulatory jurisdictions, tracking approval status and maintaining audit trails.
• Define and document business, functional and technical requirements for system changes, enhancements or new product features (including rating rules, form changes, policy administration workflows).
• Test system changes (unit, integration, user acceptance) to ensure accurate implementation of product rules, forms, endorsements, and rating logic; document defects and monitor remediation.
• Collaborate with product management, underwriting, actuarial, claims, compliance and IT teams to ensure that product documentation, filings, business rules and systems logic reflect current strategy, regulatory requirements and market competitiveness.
• Maintain a forms matrix and tracking system to ensure all forms and endorsements are current, approved for use, correctly versioned and accessible to users.
• Monitor regulatory, statutory and competitor developments in the property insurance market; analyze implications for product forms, endorsements, pricing and regulatory filing strategy.
• Recommend procedural and process improvements (for forms management, filings workflow, audit processes, data analytics capabilities and system testing practices) to improve efficiency, governance and data integrity.
• Manage multiple concurrent tasks, communicate status to stakeholders, escalate issues as needed and prioritize work to meet deadlines and regulatory/filing commitments.

Qualifications & Skills

• Bachelor’s degree in Business, Finance, Risk Management, Insurance, Data Analytics or related field; advanced degree or relevant certifications a plus.
• Minimum of 3-5 years of experience in property/casualty insurance, preferably with exposure to product, forms & endorsements, claims audit, or analytics.
• Strong analytical skills with experience in data extraction, transformation, modeling and interpretation. Proficiency in Excel is required; SQL, Power BI, Tableau or similar BI tools strongly preferred.
• Demonstrated experience drafting or supporting insurance policy forms, endorsements or rulebooks, and working with regulatory filings in state insurance departments.
• Experience or familiarity with claims audit processes, policy administration systems, or insurance system testing is highly desirable.
• Ability to interpret insurance contracts, policy language, endorsements, regulatory statutes and circulars.
• Strong documentation skills—ability to write clear business and functional requirements, create test scripts, user-acceptance criteria, audit reports and procedural documentation.
• Excellent communication (written and verbal), organization, multi‐tasking and stakeholder management skills.
• Ability to work independently and collaboratively in a cross‐functional environment.
• Knowledge of property insurance products, processes between underwriting, claims, product/filing and compliance functions preferred.

Desired Attributes

• Detail-oriented and quality‐driven, with a strong sense of accountability for accuracy and thoroughness.
• Proactive thinker who takes initiative to engage stakeholders, identify gaps and propose solutions.
• Comfortable navigating regulatory complexity and evolving product requirements.
• Flexible and adaptable in a fast‐paced, evolving project environment.
• Passion for continuous learning—keeping abreast of industry changes, analytics best practices and system innovation.

Job Type: Full-time

Pay: $60,000.00 - $80,000.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Employee assistance program
• Flexible spending account
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Vision insurance

Work Location: Hybrid remote in Jacksonville, FL 32258