Product Manager - Commercial Lines

Personal Lines Product Manager

Job Summary

A well-established and growing property & casualty insurance company specializing in homeowners insurance is seeking a Personal Lines Product Manager to lead product development, strategy, and performance. This role offers the opportunity to manage the full lifecycle of insurance products, drive product improvements, and collaborate with cross-functional teams, including actuarial, underwriting, regulatory, claims, and technology. The position also involves leading a small team while remaining hands-on with product initiatives and working closely with senior leadership.

Compensation Package

• Base Salary: $115,000–$120,000 annually.
• Sign-On Bonus: May be considered for exceptional candidates.
• Relocation Assistance: Generally not offered.

Responsibilities

• Manage the full lifecycle of personal lines insurance products, from development and regulatory approval to implementation and ongoing performance management.
• Oversee product strategy, including rate and form changes, market competitiveness, and portfolio performance.
• Coordinate state regulatory filings, with a focus on Florida insurance regulations and filing requirements.
• Analyze loss ratios, pricing trends, profitability, competitive positioning, and overall product performance.
• Utilize data analytics tools such as SQL and Power BI to support business decisions.
• Collaborate with actuarial, underwriting, claims, regulatory, sales, risk management, IT, and legal teams on product initiatives.
• Support product development and management across both admitted and excess & surplus (E&S) markets.
• Identify opportunities to enhance product offerings, operational efficiency, and portfolio results.
• Lead and mentor a small team, providing guidance on product priorities and execution.
• Present product recommendations, performance insights, and strategic initiatives to senior leadership.

Qualifications/Requirements

• Experience in personal lines property & casualty insurance, particularly homeowners or residential property insurance.
• Strong understanding of insurance product management, including pricing, rate development, regulatory filings, and product performance.
• Experience with state insurance filings, with a preference for Florida rate and form filings.
• Familiarity with admitted and/or E&S insurance markets.
• Strong analytical skills and comfort working with insurance data.
• Proficiency in SQL, Power BI, or similar reporting and analytics tools is preferred.
• Ability to collaborate effectively across underwriting, actuarial, regulatory, claims, and technology teams.
• Previous people management experience is preferred, but strong individual contributors ready to step into a leadership role will also be considered.
• CPCU designation or a background in underwriting, actuarial, or risk management is a plus.

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