Insurance Product Director

Brown & Brown; Maryland; On-site; USD 200,000 - 240,000; Full time

Benefits offered by this job

Health benefits

401k

Tuition reimbursement

Student loan assistance

Mental health services

Paid time off

Holidays

Partner discounts

Job summary

Oxford Risk Management Group seeks an Insurance Product Manager to lead Commercial Auto, Commercial General Liability, and Excess Liability products. You will be the home-office technical authority for coverage interpretation, rating methodologies, and regulatory compliance, guiding governance and product lifecycle.

The role requires deep experience in ISO/non-ISO forms, state filings, and collaboration with Underwriting, Claims, Compliance, Actuarial, and Technology to ensure accurate,

Qualifications

• Bachelor's degree, 10+ years in Commercial Property & Casualty insurance
• Extensive experience with Commercial Auto, CGL, and Excess Liability
• Deep knowledge of ISO products, forms, endorsements, classifications, and filings
• Experience developing proprietary/non-ISO forms and endorsements
• Experience managing form/rate/rule filings with regulators
• Strong knowledge of admitted, non-admitted, and surplus lines markets
• Ability to analyze complex coverage, rating, regulatory, and product issues and propose solutions
• Experience leading cross-functional initiatives across departments
• Strong leadership, communication, analytical, organizational and PM skills
• Proficiency with Office and insurance product systems

Responsibilities

• Own and manage CAuto, CGL, and Excess Liability products including forms and ratings
• Serve as the primary technical resource for coverage interpretation and product governance
• Develop and maintain ISO, proprietary, and manuscript forms and endorsements
• Evaluate policy language to identify coverage gaps and issues
• Monitor regulatory developments and coordinate required product changes
• Oversee filings, regulator correspondence, and approvals
• Maintain state-specific product requirements and compliance obligations
• Provide guidance on admitted vs non-admitted and surplus lines programs
• Translate product requirements into business and system specs for testing
• Lead cross-functional collaboration across Underwriting, Claims, Compliance, Actuarial, Operations and Tech

Skills

Product management

Commercial Auto

Commercial General Liability

Excess Liability

Regulatory compliance

Policy forms & endorsements

State filings

Cross-functional leadership

Education

Bachelor's degree

Tools

Microsoft Office

Policy administration systems

Rating/filing systems

Job description

Built on meritocracy, our unique company culture rewards self-starters and those who are committed to doing what is best for our customers.

As Insurance Product Manager at Oxford Risk Management Group, you will serve as the home-office technical authority for Oxford's Commercial Casualty products, with primary responsibility for Commercial Auto, Commercial General Liability, and Excess Liability. This role provides leadership across the product lifecycle, including product design, regulatory compliance, implementation, governance, and ongoing maintenance.

The ideal candidate brings extensive commercial insurance product management experience, including coverage forms, rating methodologies, state filings, regulatory requirements, and product governance. This individual will act as a trusted resource to Underwriting, Claims, Compliance, Actuarial, Operations, Technology, and senior leadership while driving product strategy, regulatory compliance, and operational effectiveness.

Primary Responsibilities

• Own and manage Commercial Auto, Commercial General Liability, and Excess Liability products, including forms, endorsements, rating plans, underwriting rules, state requirements, and product documentation.
• Serve as the primary technical resource for coverage interpretation, policy construction, rating methodology, regulatory requirements, and product best practices.
• Develop and maintain ISO, proprietary, non-ISO, and manuscript forms, endorsements, rules, and supporting product materials.
• Evaluate policy language and product structure to identify coverage gaps, conflicting provisions, unintended coverage grants, and excess-to-primary policy inconsistencies.
• Monitor ISO, legislative, regulatory, judicial, and market developments and coordinate required product changes.
• Lead implementation of ISO revisions and determine appropriate adoption, modification, or supplementation strategies.
• Oversee admitted product form, rate, and rule filings, including regulator correspondence, objection management, and approval processes.
• Maintain state-specific product requirements, including approved forms, rates, rules, notices, and compliance obligations.
• Provide expertise regarding admitted, non-admitted, surplus lines, transportation, captive, and alternative-risk insurance programs.
• Evaluate the interaction of deductibles, self-insured retentions, captive participation, reinsurance, attachment points, and excess coverage structures.
• Establish product governance standards, approval processes, and controls for product changes, exceptions, and manuscript endorsements.
• Translate product requirements into business and system specifications and support testing and implementation efforts.
• Partner with Claims, Actuarial, Legal, Compliance, Underwriting, Operations, and Technology to ensure product accuracy, compliance, and operational effectiveness.
• Provide functional leadership to internal stakeholders, external vendors, consultants, and filing resources.
• Advise leadership on product risks, regulatory developments, market trends, and strategic product opportunities.
• Maintain accurate records of product decisions, approvals, filings, and implementation activities.
• Manage multiple product initiatives while ensuring technical accuracy, regulatory compliance, and timely execution.
• Develop product guidance, reference materials, and training to support underwriting and operational consistency.

Required Qualifications

• Bachelor's degree and 10+ years of Commercial Property & Casualty insurance experience or an equivalent combination of education and relevant experience.
• Significant commercial casualty product management experience involving Commercial Auto, Commercial General Liability, and Excess Liability.
• Deep knowledge of ISO products, forms, endorsements, classifications, loss costs, filings, and implementation requirements.
• Experience developing, reviewing, or implementing proprietary, non-ISO, and manuscript forms and endorsements.
• Experience managing form, rate, and rule filings and interacting with state insurance regulators.
• Strong knowledge of admitted, non-admitted, and surplus lines markets.
• Demonstrated ability to analyze complex coverage, rating, regulatory, and product issues and develop effective solutions.
• Experience leading cross-functional initiatives across Underwriting, Claims, Compliance, Legal, Actuarial, Operations, and Technology.
• Strong leadership, communication, analytical, organizational, and project management skills.
• Proficiency with Microsoft Office and insurance product, policy administration, rating, or filing systems.

Preferred Qualifications

• Commercial Auto experience involving trucking, transportation, or motor carrier risks.
• Experience with captive, fronting, alternative-risk, or multilayer casualty programs.
• Experience using SERFF and other regulatory filing platforms.
• Experience implementing products within policy administration systems and translating business requirements into system specifications.
• Property & Casualty license and/or professional designations such as CPCU, ARM, AU, CIC, or ARe.
• Experience providing functional leadership to product analysts, filing professionals, or external product resources.

Pay Range

$200,000 - $240,000 Annual

The pay range provided above is made in good faith and based on our lowest and highest annual salary or hourly rate paid for the role and takes into account years of experience required, geography, and/or budget for the role.

Teammate Benefits & Total Well-Being

We go beyond standard benefits, focusing on the total well-being of our teammates, including:

• Health Benefits: Medical/Rx, Dental, Vision, Life Insurance, Disability Insurance
• Financial Benefits: ESPP; 401k; Student Loan Assistance; Tuition Reimbursement
• Mental Health & Wellness: Free Mental Health & Enhanced Advocacy Services
• Beyond Benefits: Paid Time Off, Holidays, Preferred Partner Discounts and more.

Not reflective of all benefits. Enrollment waiting periods or eligibility criteria may apply to certain benefits. Benefit details and offerings may vary for subsidiary entities or in specific geographic locations.

The Power To Be Yourself

As an Equal Opportunity Employer, we are committed to fostering an inclusive environment comprised of people from all backgrounds, with a variety of experiences and perspectives, guided by our Diversity, Inclusion & Belonging (DIB) motto, “The Power to Be Yourself”.