Commercial Lines- Product Manager

Commercial Insurance Product Manager (Small Commercial Lines)

 

 

Job description:

Position Overview

We are seeking an experienced and commercially driven Product Manager to lead the development and expansion of our small commercial insurance portfolio. This role is critical to accelerating growth at a well-established carrier that is investing in building a more competitive and scalable commercial insurance platform.

The ideal candidate combines strong small commercial underwriting expertise with a “producer mindset”—someone who understands how to structure, package, and position products to win in the market while maintaining underwriting discipline.

This role will focus on core products including General Liability (GL), Professional Liability (PL), and Business Owners Policy (BOP). Familiarity with incorporating coverages into product offerings is important from a distribution perspective.

Key Responsibilities

Product Strategy, Design & Development

• Lead the design, development, and enhancement of small commercial products, including:
  • General Liability (GL)
  • Professional Liability (PL)
  • Businessowners Policy (BOP)
  • Fiduciary Liability
  • Cyber Liability
  • Employment Practices Liability Insurance (EPLI)
  • Directors & Officers (D&O) / Management Liability
  • Commercial Crime
  • Commercial Surety Bonds
  • ERISA Fidelity Bonds
• Develop bundled and packaged product solutions that combine multiple coverages (including bonds where appropriate) to create differentiated offerings for target segments
• Identify underserved market segments and create tailored solutions to drive growth

Bundling & Packaging Innovation

• Build scalable, repeatable coverage
• Support product launches with clear appetite, positioning, and underwriting guidelines
• Partner with agents, brokers, and program administrators to drive adoption
• Bring a producer mindset—balancing risk selection with growth, retention, and distribution success

Portfolio & Performance Management

• Monitor product performance, including premium growth, loss ratios, and mix of business
• Identify trends and recommend adjustments to improve profitability and competitiveness
• Continuously refine product offerings based on market feedback and performance data

Cross-Functional Collaboration

• Collaborate closely with senior leadership
• Act as a bridge between technical product development and market-facing teams
• Engage directly with brokers, partners, and occasionally policyholders to inform product direction as necessary
• Support and advise our in-house producers in marketing bundled packages to our existing customer base.

Required Qualifications (Must-Haves)

• 5+ years of small commercial underwriting experience at a carrier or MGA
• Direct experience in product design and development for small commercial insurance
• Strong expertise in one or more of the following: PL, GL, BOP, FL, Cyber, EPLI, CC, D&O and familiarity with our other commercial insurance products
• Deep understanding of insurance forms, endorsements, and coverage construction
• Proven ability to translate underwriting insight into marketable, scalable products
• Experience working in cross-functional environments to bring products to market
• Must have excellent computer skills, including proficiency in Microsoft Office and Google Workspace (Suite).

Preferred Qualifications (Nice-to-Haves)

• Experience building or contributing to bundled/package insurance solutions
• Familiarity with incorporating bonds into product offerings (from a product/distribution perspective)
• Demonstrated proactive and entrepreneurial mindset with a bias toward execution
• Strong communication skills with the ability to work with agents, brokers, and policyholders
• Experience in a growth-oriented or transforming organization

Key Competencies

• Producer Mindset – Thinks like a producer: understands how products sell, not just how they underwrite
• Product Innovation – Ability to design compelling, differentiated bundled offerings
• Technical Expertise – Strong command of coverage, forms, and underwriting fundamentals
• Commercial Acumen – Balances growth, profitability, and market competitiveness
• Collaboration – Works effectively across teams and functions
• Execution-Oriented – Moves from concept to market quickly and efficiently

Why This Role

This is a unique opportunity to play a foundational role in the next phase of growth for a stable, established carrier evolving its commercial insurance platform. You will have the ability to shape product strategy, build innovative bundled solutions, and directly impact the company’s expansion in the small commercial market.