Insurance Product Director

001 Brown & Brown, Inc; Maryland; Hybrid; USD 200,000 - 240,000; Full time

Benefits offered by this job

Health benefits

401k

Paid time off

Mental health support

Job summary

Oxford Risk Management Group is seeking an Insurance Product Manager to serve as the home-office technical authority for Commercial Auto, Commercial General Liability, and Excess Liability. You will lead product strategy, regulatory compliance, governance, and lifecycle management across underwriting, claims, actuarial, legal, and technology teams.

The role requires extensive P&C product management experience, ISO knowledge, and strong leadership and project management skills to ensure accurate

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.
• 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.

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.

Skills

Leadership

Communication

Project management

Analytical thinking

Regulatory compliance

Product governance

Cross-functional collaboration

Strategic thinking

Education

Bachelor's degree and 10+ years P&C experience

Tools

SERFF

Policy administration systems

Regulatory filing platforms

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.
• 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.

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

Pay Range $200,000 - $240,000 Annual

Benefits & Total Well-Being

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.

Equal Opportunity Statement

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". We think of ourselves as a team, so we have teammates - not employees. We strive to attract people who are competitive, driven, and disciplined.

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

Founded in 1939 as a small, two-partner firm, Brown & Brown (NYSE: BRO) and our team of companies have grown into one of the world’s largest insurance brokerages while staying true to our foundation of trust, resilience, and delivering results. With a team that is as connected locally as it is globally, our high-performing, highly collaborative team delivers innovative risk and insurance solutions. We look for individuals who embrace our culture, thrive in a collaborative environment, are driven to grow and succeed, and are committed to always doing what is right. With a unique culture built on integrity, superior capabilities and grit, we value teamwork, trust and courage. We think of ourselves as a team, so we have teammates - not employees, and leaders - not managers. Everything we do is about the greater "WE" - never "me".