Senior Policy Wording Interpretation Specialist

Job Title: Senior Policy Wording Interpretation Specialist Location: UAE (Remote) Employment Type: Full-Time Work Arrangement: Fully Remote Level: Senior About Us We are seeking an experienced Senior Policy Wording Interpretation Specialist to support insurance policy analysis, coverage interpretation, contractual risk assessment, and policy wording governance. This role is suited to a detail-oriented insurance professional with strong technical knowledge of policy language, coverage provisions, exclusions, endorsements, and contractual obligations. The successful candidate will help ensure that insurance policy wordings are interpreted consistently, potential coverage ambiguities are identified, and policy documentation aligns with underwriting intent, business requirements, and applicable regulatory standards. Key Responsibilities Interpret complex insurance policy wordings, including coverage clauses, exclusions, conditions, definitions, warranties, and endorsements. Analyze policy provisions to assess coverage scope, contractual obligations, limitations, and potential areas of ambiguity. Review insurance contracts across relevant business lines, including property, casualty, liability, specialty, and commercial insurance. Identify inconsistencies between policy schedules, endorsements, underwriting submissions, and standard wording templates. Provide technical guidance on policy interpretation to underwriting, claims, legal, compliance, and risk management teams. Assess the implications of wording changes on coverage intent, claims exposure, contractual liabilities, and risk allocation. Support the review and development of policy wordings, endorsements, clauses, and coverage documentation. Evaluate disputed or unclear policy language and prepare structured interpretation notes supported by relevant policy provisions. Collaborate with legal counsel and claims specialists on complex coverage questions, subject to internal escalation and approval procedures. Maintain a centralized record of wording interpretations, technical decisions, and recurring policy language issues. Monitor changes in insurance regulations, market practices, and relevant legal developments affecting policy documentation. Recommend improvements to wording standards, review controls, documentation processes, and interpretation procedures. Support internal audits, compliance reviews, and quality assurance assessments relating to policy documentation. Qualifications and Experience Bachelor's degree in Insurance, Law, Risk Management, Finance, Business Administration, or a related discipline. Typically 7–10 years of relevant experience in insurance policy interpretation, underwriting, claims analysis, insurance contract review, or coverage advisory. Strong understanding of insurance policy structures, coverage grants, exclusions, conditions, endorsements, and contractual terminology. Demonstrated ability to interpret complex policy language and identify gaps, inconsistencies, ambiguities, and unintended coverage implications. Experience reviewing policy wordings across commercial insurance, specialty lines, property and casualty, or other relevant insurance products. Familiarity with insurance contract principles, regulatory requirements, and applicable legal considerations across relevant jurisdictions. Strong analytical, technical writing, research, and documentation skills. Ability to communicate complex coverage issues clearly to technical and non-technical stakeholders. High attention to detail, sound professional judgment, and a structured approach to problem-solving. Proficiency in Microsoft Office and document comparison, policy management, or contract review systems. Relevant professional qualifications, such as ACII, CPCU, or equivalent insurance credentials, are an advantage. Ability to work independently in a remote environment while coordinating effectively with geographically distributed teams. Key Performance Indicators (KPIs) Interpretation Accuracy: Quality, consistency, and technical reliability of policy wording assessments. Review Turnaround Time: Timely completion of policy interpretation requests and wording reviews. Ambiguity Identification: Effectiveness in identifying unclear clauses, conflicting provisions, and potential coverage gaps. Documentation Quality: Completeness, traceability, and clarity of interpretation records and technical recommendations. Wording Consistency: Reduction in inconsistencies across policy documents, endorsements, and approved templates. Stakeholder Support: Responsiveness and effectiveness in supporting underwriting, claims, legal, and compliance teams. Quality Assurance: Compliance with established review procedures, internal controls, and documentation standards. Process Improvement: Implementation of practical recommendations that improve wording clarity and reduce recurring interpretation issues. What We Offer Competitive compensation aligned with experience and technical expertise. Fully remote working arrangement within the UAE-based employment framework. Opportunities to work on complex insurance policy interpretation and coverage analysis assignments. Exposure to cross-functional insurance, underwriting, claims, legal, and risk management activities. A professional environment that values technical accuracy, independent judgment, and continuous improvement. Opportunities for ongoing professional development and relevant insurance qualifications. The ability to contribute to policy wording governance, documentation quality, and insurance risk management practices. How to Apply Interested candidates are invited to submit their updated CV, highlighting their experience in insurance policy interpretation, coverage analysis, policy wording review, and insurance contract documentation. Please include relevant insurance qualifications, experience with complex policy clauses, and examples of policy wording or coverage review responsibilities where appropriate and permissible. Email Subject Line: Application – Senior Policy Wording Interpretation Specialist (UAE Remote) We welcome applications from qualified professionals with strong insurance technical knowledge, excellent analytical skills, and the ability to interpret complex policy language with precision and consistency. Show more Show less