Senior Software Engineer, Insurance

Role Description

Porch is reimagining what it means to be an insurance technology company, and we’re building it from the inside out. As a Senior Engineer I on our insurance platform team, you’ll build and own key services that power how we underwrite, administer, and scale insurance products. We’re an AI-first organization, so you’ll do your day-to-day development with agentic AI coding tools — not as an experiment, but as the way we ship.

This is a hands-on build role on a greenfield platform. You’ll take projects from design through production within your area, make well-reasoned tradeoffs around scaling, reliability, and maintainability, and lean on senior teammates when you venture into less familiar parts of the codebase. If you like owning real services, shipping well-tested code, and growing alongside a strong team, you’ll fit right in.

What You Will Do As A Senior Software Engineer

• AI-Native Engineering (How We Build)
  • Use agentic AI coding tools as your primary development methodology for the platform build, not as an experimental side channel.
  • Work within the team’s agent configuration patterns, custom skills, and CI/CD integration — and help improve them as you find rough edges.
  • Make sure the code you ship with AI assistance meets our standards: a green CI pipeline, passing evaluations, and clean pre-commit hooks are non-negotiable.
  • Apply good spec-driven, context-management practices that separate productive AI-assisted work from churn, and share what works with your teammates.
• AI Capability in the Platform (What We Build)
  • Build agentic capabilities into the platform — agent-assisted configuration, AI-driven underwriting decisioning, document understanding for declarations and endorsements, and conversational interfaces for the operations team.
  • Contribute to the RAG pipelines, retrieval, and tool-use patterns that ground LLM behavior in regulated insurance content (rate manuals, underwriting guidelines, state-specific rules).
  • Implement the integration patterns (MCP, function calling, structured outputs) that expose platform capabilities to internal agents and external partners.
  • Add observability, evaluation, and cost instrumentation to the AI features you own so their behavior is measurable, debuggable, and bounded.
  • Follow the responsible-AI guardrails that keep agent-influenced decisions auditable and aligned with insurance regulatory requirements.
• Platform Architecture & Build
  • Design and build core PAS services in your area — quoting, rating, binding, issuance, endorsements, renewals, cancellations, and reinstatements — making well-reasoned design decisions and tradeoffs as you go.
  • Contribute to the rating engine, product configuration layer, and rules framework that let business teams launch new states and products without engineering bottlenecks.
  • Implement data models for policy lifecycle, exposure management, and regulatory compliance, with guidance from senior engineers on the broader architecture.
  • Build within the platform’s event-driven patterns and integration architecture for the carrier, vendor, and partner systems the platform speaks to.
• Transformation & Migration
  • Build migration tooling: automated data extraction, transformation, validation, and reconciliation pipelines.
  • Help keep existing vendor platforms stable while we build the replacement — you’ll context-switch between “keep the lights on” and “build the future” without dropping either.
• Collaboration & Growth
  • Partner with Product and Insurance SMEs to refine requirements and turn domain needs into working software.
  • Participate in design reviews, and support teammates through constructive code reviews and ad-hoc technical advice.
  • Lead by example — strong ownership, accountability, and a high quality bar — and help other engineers grow their skills.
  • Stay hands-on. This is a build role: you write production code every week.

Qualifications

• 5+ years of professional software engineering experience building and operating backend services in production.
• Demonstrated ability to lead at least one project from conception to production, breaking work into reasonably sized, well-tested releases.
• Production-grade engineering depth in Python, Java, or a comparable backend language; comfortable across the stack from data model to API to deployment.
• Solid systems design fundamentals: distributed systems, event-driven architecture, API-first design, and data modeling for transactional workloads.
• Hands-on experience building LLM-integrated features — RAG, tool use, or agent workflows — running in real software, not just prototypes.
• Working familiarity with agentic AI coding tools as part of your day-to-day development, with a point of view on what makes AI-assisted work reliable.
• Requires minimal direction to deliver in your area, and comfortable working in unfamiliar parts of the codebase with guidance.
• US-based; able to work core business hours.

Requirements

• Exposure to homeowners or other personal-lines P&C insurance systems, or eagerness to ramp deeply on the domain.
• Experience contributing to a custom-built policy administration system, or to a migration off a legacy/vendor PAS (data migration, parallel-run validation, cutover).
• Experience with AI evaluation, observability for agent runs, prompt and model versioning, or AI cost-management.
• Working knowledge of Model Context Protocol (MCP), function calling, and structured outputs, and patterns for grounding LLMs in regulated content.
• Familiarity with regulatory frameworks: SERFF rate filings, NAIC data calls, state DOI requirements, and the NAIC AI bulletin.
• Working knowledge of insurance data standards (ACORD, MISMO) and the open-source PCDM data model.
• Background in cloud-native infrastructure (GCP preferred), event streaming (Kafka), and modern observability practices.
• Bachelor’s degree in Computer Science, Engineering, or equivalent practical experience.

Benefits

• Pay Range: $168,800 – $236,300 annually.
• Long-term incentive awards, subject to program guidelines and approvals.
• Three (3) Medical plan options, two (2) Dental plan options, and a Vision plan.
• Voluntary Critical Illness, Hospital Indemnity and Accident plans.
• Pre-tax savings options including a partially employer funded Health Savings Account and employee Flexible Savings Accounts.
• Company paid Basic Life and AD&D, Short and Long-Term Disability benefits.
• Both traditional and Roth 401(k) plans available with discretionary employer match.
• Supportlinc for guided meditation, mental health coaching, and online access to confidential resources.
• LifeBalance for year-round discounts on gym memberships, travel, appliances, and more.
• Wellness programs including flexible paid vacation, company-paid holidays, paid sick time, paid parental leave, identity theft program, and travel assistance.