Insurance Product Manager / Underwriter (P&C)

Insify; Amsterdam; Hybrid; EUR 90,000 - 130,000; Full time

Benefits offered by this job

Real ownership

Equity stake

6% pension

Holidays

Well-being budget

Rich social events

Central Amsterdam office

Hybrid working

Relocation support

Job summary

Insify in Amsterdam is seeking an insurance product expert to own the engine that builds and launches SME cover across Europe. You’ll decide what we insure, how we price it, and how we adapt wordings for new markets, negotiating with risk carriers along the way.

The role demands 5+ years in commercial P&C, strong data and Excel skills, and fluency in English (German, French or Dutch a plus). You’ll join a fast-growing, equity-backed company that prizes grit, care, impact and entrepreneurship,

Qualifications

• 5+ years hands-on in commercial P&C at an insurer, MGA, (re)insurer or specialist broker, across underwriting, product and wordings, ideally for SMEs
• You know what is covered, what isn’t and what should be.
• You’ve worked across more than one line, product or market.

Responsibilities

• Build the product engine by benchmarking markets and turning cover, limits and exclusions into a system.
• Decide what we cover, what we don’t and who we insure, and translate it into proposals.
• Negotiate terms with risk carriers and manage sign-off on terms.
• Adapt wordings for each new market, run the legal review and launch.
• Own custom products in markets we double down on.

Skills

Commercial P&C

Product & wordings

Market benchmarking

Data analysis

Excel

Tools

Excel

Job description

Most insurance product roles ask you to perfect one product in one market. This one asks you to build Europe’s SME insurance products: decide what we cover and who we insure, negotiate it with our carriers and get it live, market after market.

Deep in the wording. Fast in the build.

About Insify

Insurance for entrepreneurs is still built the old way: one market at a time, wordings nobody reads, and cover that leaves out the very businesses that need it most.

We're doing it differently.

Insify is a high-growth scale-up backed by €43M in total funding from world-class investors like Accel, Munich Re Ventures, and Formula 1 champion Nico Rosberg. In five years, we've expanded from the Netherlands into France, Germany and Ireland, and we're just getting started. Our mission: become the European leader in AI-powered SME insurance.

We aren't just building a company; we're leading a revolution. Our culture is intense, high-stakes, and mission-driven. We hire smart, ambitious "owners" who possess a relentless drive to win. This is an environment for those who thrive on challenges, value intellectual honesty, and share our mindset of becoming a global category leader.

Our founding team consists of seasoned entrepreneurs who have previously built iconic businesses like HelloFresh, Bloomon, and SumUp. We bring that same bias for speed, scale, and high standards to one of the most structurally broken experiences in financial services. Together, we combine that deep fintech and e-commerce expertise with cutting-edge AI to stay ahead of the curve.

What You’ll Own In Your First Year

You won’t inherit a finished product shelf. You’ll build the engine that fills it.

• Build the product engine. Turn how we benchmark a market into a system: compare cover, limits and exclusions across local players, our Dutch home product and our other markets, so every new product starts from facts, not gut feeling
• Make the call on cover. Decide what we cover, what we don’t and who we insure, and turn it into a proposal. The tools do the comparison; the judgment is yours
• Get it signed. Take the proposal to our risk carriers and negotiate it. You know what to push on, what to let go and which clause will set off six red flags
• Get it live. Adapt our wordings to each new market, run the legal review and launch. Less writing from scratch, more making one strong product fit the next market. Then track loss ratios, competition and customer feedback, and sharpen it
• Build what doesn’t exist yet. In the markets where we double down, own custom products from the insurance side, including cover for the trades and businesses others decline

Who You Are

You’re an insurance expert first and a builder second, but a real one.

• You have 5+ years hands-on in commercial P&C (Property & Casualty) at an insurer, MGA, (re)insurer or specialist broker, across underwriting, product and wordings, ideally for SMEs
• You know what is covered, what isn’t and what should be. Hand you a wording from a market you’ve never worked in and you’ll spot the gaps within minutes
• You’ve worked across more than one line, product or market, and you can apply what you know to a market you’ve never seen
• You’ve sat at the table with insurers or capacity providers and know where the red lines are
• You’d rather fix insurance than complain about it. Maybe you already tried: at an insurtech, an MGA, your own startup, or on the carrier side building products with insurtechs
• You think like the customer: plain questions, fair cover, and no excluding everything just to be safe
• You’re at home in Excel and data, and curious about what automation and LLMs can take off your plate. You don’t need to code; our product and tech teams build the digital journey with you
• You work fluently in English; German, French or Dutch is a big plus

What We Offer

• Real ownership. You decide what we cover and work directly with the MT, close to where decisions get made
• Range. More products and markets in a year than most people see in a decade at an incumbent
• A share in what we build. Equity, so you share in the value you build
• A team that cares. We live by four values: Grit, Care, Impact and Entrepreneurship
• Growth. Room to grow into leading our insurance product work as we add markets, plus an in-house coaching and leadership program
• The package. Competitive salary package + 6% pension, holidays, well-being budget and rich social events (ski trip, summer and winter party)
• The basics, done well. Office in central Amsterdam, laptop, hybrid working. Relocation support

If you know insurance inside out and you’d rather build products than maintain them, we’d like to meet you. No cover letter needed.