Job Title: Ratings Specialist ISO Commercial General Liability CGL
Location: Kansas City, MO preferred or open to other locations. Onsite minimum 3 days per week or remote with travel readiness
Duration: 12+ Months
Experience Required: 8–10 Years
Role Overview
We are seeking a Ratings Specialist ISO Commercial General Liability CGL with strong expertise in ISO rating manuals, policy administration systems, and insurance domain knowledge. The role focuses on interpreting ISO circulars, configuring rating systems, validating premium calculations, and ensuring compliance with regulatory and underwriting standards.
The ideal candidate will have deep experience in Commercial General Liability, strong analytical skills, and the ability to translate complex ISO guidelines into system logic and business processes.
Key Responsibilities
Review and interpret ISO General Liability circulars, rate filings, classification changes, and rule revisions.
Translate ISO updates into system configuration requirements and support IT teams with implementation.
Validate ISO circulars, including state specific variations and transition rules.
Configure rating system components including loss costs, rates, classification codes, minimum premiums, ILFs, deductibles, and experience rating parameters.
Implement schedule rating logic and state specific deviations.
Conduct unit, regression, and parallel testing to validate premium calculations.
Ensure policy forms and endorsements align with classification, limits, state requirements, and exposures.
Validate system logic against ISO eligibility rules and underwriting guidelines.
Perform premium validation testing against ISO manual examples.
Identify discrepancies between manual rates and system outputs.
Maintain documentation of rating logic, workflows, and system configurations.
Support internal and external audits and go live readiness activities.
Collaborate with product management, IT, actuarial, compliance, and underwriting teams.
Provide guidance on ISO rating logic and resolve system related issues.
Required Skills and Qualifications
Education
Bachelor’s degree in Business, Finance, Insurance, or a related field is required.
Experience
8–10 years of experience in Commercial General Liability and insurance rating.
Strong experience working with policy administration or rating systems such as Guidewire, Duck Creek, Majesco, Policy Decisions, or Assure DXC.
Technical Skills
Strong knowledge of ISO CGL Manual and rating methodologies.
Expertise in classification codes, experience rating plans, ILFs, and deductibles.
Experience with premium audit adjustments and rating validation.
Strong analytical and testing skills for rating systems.
Ability to interpret ISO manuals and convert them into system logic.
Understanding of insurance regulatory requirements and compliance standards.
Soft Skills
Strong attention to detail and precision in analysis.
Excellent problem solving and analytical thinking.
Strong documentation and organizational skills.
Effective communication and collaboration with cross functional teams.
Preferred Qualifications
Professional certifications such as CPCU or ARM.
Strong knowledge of ISO GL product and technical rating.
Experience with regulatory compliance and insurance domain standards.
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