Business Analyst I, II, III - Commercial Residential Property Insurance

Position Summary: 

We are seeking an experienced Business Analyst with solid expertise in commercial residential property insurance to support the design, enhancement, and implementation of underwriting and policy administration capabilities for specialized property programs including:

• HOA / Homeowners Associations
• Small condominium associations
• Assisted living facilities
• Habitational risks
• Other small commercial residential property lines

This is not a data analyst or reporting-focused role. We are specifically looking for candidates with prior experience translating insurance products, underwriting, rating, forms, and workflow requirements into detailed business and system requirements for digital insurance platforms.

Essential Functions:

• Partner directly with Underwriting, Product, Operations, Compliance, and Technology teams to gather and document business requirements
• Translate underwriting guidelines, eligibility rules, rates, forms, endorsements, and workflows into functional system requirements
• Support enhancements and configuration of online quote/bind applications and policy administration systems
• Create user stories, business process flows, requirement documentation, acceptance criteria, and traceability artifacts
• Work closely with developers and QA teams throughout the SDLC to ensure requirements are accurately implemented
• Analyze impacts of product or regulatory changes to system functionality and business processes
• Participate in testing validation, defect triage, and production implementation activities
• Support ongoing modernization and automation initiatives for commercial residential property insurance products

Required Education and Experience:

• Bachelor’s degree or equivalent combination of education and relevant work experience
• 3 years of Business Analyst experience specifically within an insurance carrier or MGA environment
• Direct experience supporting commercial residential property insurance products
• Strong understanding of:
  • Underwriting rules
  • Rating logic
  • Insurance forms and endorsements
  • Eligibility/referral workflows
  • Quote-to-bind policy issuance processes
• Experience writing requirements for:
  • Online insurance applications/portals
  • Policy administration systems
  • Rating engines
  • Underwriting workflow systems
• Ability to translate business concepts into detailed functional requirements and user stories
• Experience facilitating requirement sessions with underwriting and product stakeholders
• Familiarity with Agile and/or Scrum delivery methodologies
• Strong communication and documentation skills

Preferred Qualifications:

• Experience supporting Residential Commercial lines of business for Florida risks, including familiarity with state-specific products, forms, rating, underwriting, or regulatory requirements
• Experience with HOA, habitational, condominium, or assisted living insurance products
• Prior experience implementing or enhancing Guidewire, Duck Creek, or other insurance policy administration platforms
• Familiarity with regulated environments such as Florida or California.
• Insurance carrier or MGA background strongly preferred
• Business Analyst certification (CBAP, CCBA) a plus.

Essential Skills:

• Understands how commercial residential property insurance products function operationally and can confidently bridge the gap between underwriting/product teams and technical development teams to deliver scalable digital insurance solutions
• Strong attention to detail especially when working with policy, forms, rating, claims, or billing system changes.
• Strong analytical and critical-thinking skills, with the ability to evaluate business needs and translate them into clear, well-defined requirements.
• Ability to work independently with minimal supervision while maintaining accountability for quality and timeliness of deliverables.
• Strong problem-solving skills, including the ability to research issues, identify root causes, and recommend practical solutions.
• Ability to understand complex business processes, system workflows, and dependencies.
• Proficiency with business analysis, documentation, and collaboration tools used to support project delivery.