Insurance Product Director

Bb Insurance; United States; Hybrid; USD 140,000 - 190,000; Full time

Job summary

Oxford Risk Management Group in Sparks, MD is seeking an Insurance Product Director. You will act as the senior technical authority for Commercial Auto, GL, and Excess Liability products, guiding coverage forms, rating rules, and state filings while coordinating with Underwriting, Compliance, Operations, and executives.

You will lead product lifecycle from design to governance, ensuring regulatory alignment and robust standards across admitted and non-admitted markets.

Qualifications

• Senior-level technical authority for Commercial Casualty products (Auto, GL, Excess).
• Experience with coverage forms, rating rules, state filings, and regulatory requirements.
• Deep knowledge of ISO and manuscript forms, admitted/non-admitted markets, and state-specific insurance requirements.
• Oversee product lifecycle from design through governance and implementation.
• Translate regulatory and operational requirements into clear product standards.

Responsibilities

• Owns and manages Commercial Auto, Commercial General Liability, and Excess Liability product framework, including forms, endorsements, rating rules, and state requirements.
• Serves as primary technical resource for coverage interpretation, policy construction, rating methodologies, and regulatory concerns.
• Develops and maintains product standards for ISO, non-ISO, and manuscript forms.
• Evaluates definitions, insuring agreements, exclusions, conditions, limits, and endorsements within policies and across layers.
• Identifies and resolves gaps, conflicting provisions, and unintended coverage grants.
• Maintains current knowledge of ISO circulars, rating plans, and implementation requirements.
• Oversees state form, rate, and rule filing strategies and DOT/regulator interactions.
• Communicates with state regulators, filing counsel, fronting carriers, and external partners.

Skills

Commercial insurance product dev

Regulatory compliance & state filings

ISO and non-ISO forms knowledge

Product governance

Cross-functional leadership

Policy interpretation & rating methods

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.

Oxford Risk Management Groupis seeking an Insurance Product Director to join our growing team in Sparks, MD, Hybrid, or Remotely.

As Insurance Product Director at Oxford Risk Management Group, you will serve as a senior home-office technical authority for Oxford's Commercial Casualty products, with primary emphasis on Commercial Auto, Commercial General Liability, and Excess Liability. This position requires exceptional technical judgment, strong communication and organizational skills, and the ability to lead complex product initiatives across multiple departments and external business partners.

The ideal candidate will have extensive experience with commercial insurance product development and management, including coverage forms, rating rules, state filings, regulatory requirements, and product governance. The Insurance Product Director must possess deep knowledge of ISO products and processes, non-ISO and manuscript forms, admitted and non-admitted markets, and state-specific insurance requirements.

The Insurance Product Director will oversee the product lifecycle from design and regulatory approval through implementation, maintenance, and ongoing governance. The role will translate legal, regulatory, coverage, rating, and operational requirements into clear product standards and will serve as a trusted technical resource to Underwriting, Compliance, Operations, Revenue, Claims, Actuarial, Information Technology, and executive leadership.

How You Will Contribute:

• Owns and manages Oxford's Commercial Auto, Commercial General Liability, and Excess Liability product framework, including coverage forms, endorsements, rating rules, underwriting rules, state requirements, and product documentation.

• Serves as the primary technical resource for complex questions involving coverage interpretation, policy construction, rating methodology, form selection, regulatory requirements, and product best practices.

• Develops and maintains clear product standards governing the appropriate use of ISO forms, company-specific forms, non-ISO forms, and manuscript endorsements.

• Evaluates how definitions, insuring agreements, exclusions, conditions, limits, aggregates, defense provisions, and endorsements interact within a policy and across primary and excess layers.

• Identifies and resolves coverage gaps, conflicting provisions, unintended coverage grants, inconsistencies between underlying and excess policies, and other policy-construction concerns.

• Maintains current knowledge of ISO circulars, coverage revisions, rules, classifications, loss costs, rating plans, and implementation requirements and assesses their impact on Oxford's products and portfolio.

• Leads the review and implementation of new or revised ISO programs and determines where Oxford should adopt, modify, defer, or supplement ISO content.

• Develops, revises, and maintains proprietary coverage forms, endorsements, rules, and supporting product materials in coordination with Legal, Compliance, Underwriting, Claims, Actuarial, and external resources.

• Oversees state form, rate, and rule filing strategies for admitted products, including preparation and submission of filings, management of objections, and coordination of responses to state Departments of Insurance.

• Communicates directly with state insurance regulators, filing counsel, fronting carriers, and other external partners to address product questions, filing objections, regulatory concerns, and approval requirements.

• Applies strong knowledge of admitted, non-admitted, and surplus lines markets, including state-specific requirements, filing obligations, documentation standards, stamping or tax considerations, and placement limitations.

• Establishes and maintains a state-by-state product matrix identifying approved forms, rates, rules, deviations, required notices, cancellation and nonrenewal requirements, and other jurisdiction-specific considerations.

• Monitors legislative, regulatory, judicial, ISO, and market developments that may affect Oxford's products and coordinate timely changes to forms,