Product Director, Commercial Auto & Liability Hybrid/Remote

One80 Intermediaries; United States; Hybrid; USD 200.000 - 240.000; Vollzeit

Benefits dieser Stelle

Health Benefits

ESPP

401k

Student Loan Assistance

Tuition Reimbursement

Mental Health & Wellness

Paid Time Off

Zusammenfassung

Oxford Risk Management Group seeks an Insurance Product Director to own and govern Commercial Auto, CGL, and Excess Liability products. Lead cross‑functional teams, manage state filings, and align coverage forms with regulatory requirements across admitted and non‑admitted markets.

You will translate legal and rating needs into product standards, maintain governance, and drive timely changes with Underwriting, Compliance, Claims, Actuarial, IT, and executive leadership.

Qualifikationen

• Bachelor’s degree and a minimum of ten years of progressively responsible Commercial Property and Casualty insurance experience.
• Substantial home‑office product experience involving Commercial Auto, Commercial General Liability, and Excess Liability coverage forms, rating rules, filings, or product governance.
• Deep technical knowledge of ISO products and processes, including coverage forms, endorsements, rules, classifications, loss costs, circulars, and state implementation requirements.

Aufgaben

• 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; assesses 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, rules, procedures, and systems.
• Provides product guidance regarding trucking and transportation exposures, including motor‑carrier coverage requirements, financial responsibility filings, policy forms, rating considerations, and state or federal regulatory requirements.
• Supports Oxford’s captive and alternative‑risk product suite by ensuring that primary, captive, pooled, fronting, and excess layers are documented clearly and operate as intended from a coverage and policy‑construction perspective.
• Evaluates the interaction among deductibles, self‑insured retentions, captive participation, loss funds, attachment points, limits, fronting arrangements, reinsurance, and excess coverage to identify structural or documentation concerns.
• Develops product governance standards, approval protocols, and controls for new products, coverage enhancements, manuscript endorsements, state exceptions, and deviations from established product requirements.
• Translates product requirements into clear business specifications for policy administration, rating, document‑generation, workflow, and data systems and participates in testing and implementation validation.
• Partners with Claims to evaluate coverage disputes, litigation trends, and emerging interpretations and uses those insights to improve forms, endorsements, product guidance, and policy‑construction practices.
• Partners with Actuarial to ensure that rating plans, loss costs, classification structures, increased‑limits factors, deductible credits, and other rating components are implemented accurately and consistently with approved product rules.
• Provides functional leadership and coordination to internal subject‑matter experts, external consultants, filing resources, and product vendors supporting Oxford’s Commercial Casualty products.
• Advises senior leadership regarding product‑related risks, regulatory developments, market practices, implementation priorities, and opportunities to enhance Oxford’s product suite.
• Maintains complete and accurate records of product decisions, regulatory approvals, form and rate changes, implementation requirements, and governance actions.
• Manages multiple complex product initiatives simultaneously while meeting established deadlines and maintaining high standards for technical accuracy, regulatory compliance, and execution quality.

Kenntnisse

Leadership

Project management

Communication

Analytical thinking

Cross-functional collaboration

Regulatory knowledge

Ausbildung

Bachelor’s degree in Commercial Property and Casualty

Professional designation (CPCU/AU/ARM/CIC/ARe)

Tools

SERFF

Policy administration system

Microsoft Excel

Jobbeschreibung

Oxford Risk Management Group seeks an Insurance Product Director to own and govern Commercial Auto, CGL, and Excess Liability products. Lead cross‑functional teams, manage state filings, and align coverage forms with regulatory requirements across admitted and non‑admitted markets.

You will translate legal and rating needs into product standards, maintain governance, and drive timely changes with Underwriting, Compliance, Claims, Actuarial, IT, and executive leadership.