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Job Summary

This Job: Commercial Product Manager

You'll Report To: Product Director

The Commercial Product Manager is responsible for the strategic development, implementation, and ongoing management of the company's commercial property insurance products, including forms, rating, product manuals, and underwriting guidelines. This role ensures products remain competitive, profitable, and fully compliant with state regulatory requirements while supporting sustainable portfolio growth.

Responsibilities

• Own the commercial lines product portfolio, from concept and development through implementation and ongoing management.
• Analyze portfolio performance by reviewing profitability, growth, retention, loss ratios, claims frequency and severity, and exposure concentrations.
• Identify underperforming or high-risk segments of the commercial portfolio and recommend corrective actions, including underwriting, pricing, or product changes.
• Conduct market and competitive analysis to assess pricing, coverage offerings, eligibility guidelines, and distribution strategies across all applicable states.
• Partner closely with Actuary, Underwriting, Sales, Claims, Reinsurance, IT, and Operations teams to align product strategy with enterprise objectives.
• Manage the development and maintenance of policy forms, rating & rating rules, and underwriting manuals.
• Develop filing materials and handle filings with state departments of insurance, coordinating with Actuary & Risk Management as needed.
• Support pricing strategy by providing analytical insights based on actuarial indications, market intelligence, claims trends, catastrophe exposure, and regulatory considerations.
• Participate in reinsurance placement as needed.
• Monitor legislative, regulatory, and market developments and recommend product or rating changes as needed.
• Drive implementation of product changes coordinating with IT, external vendors, and internal stakeholders to ensure accurate and timely execution.
• Support the creation of agent and policyholder communications related to product changes, new programs, and underwriting initiatives.
• Work with Data Team to develop tools, reports, and dashboards to support product analysis and decision-making.
• Mentor and guide product analysts or junior team members, supporting professional development and knowledge sharing.

Qualifications

Education: Bachelor's Degree or equivalent combination of education and experience. Preference for degrees in Actuarial Science, Business, Economics, Insurance, Math, Finance, Statistics, or Risk Management.

Experience: 5-8 years' experience in Commercial Insurance Lines required with emphasis on Property insurance. Experience with Florida Commercial Property Insurance preferred. Prior experience in product management, underwriting, actuary/pricing, or portfolio analytics strongly preferred. 

Skills & Knowledge:

• Excellent understanding of commercial lines insurance concepts, policy forms, rating methodology and underwriting
• Strong documentation, research, organization, and leadership skills
• Excellent project management and cross-functional collaboration abilities
• Proven ability to communicate and present effectively to diverse audiences and organizational levels
• Exceptional analytical and problem-solving capabilities
• Advanced proficiency with computer spreadsheets and database skills. Experience with Excel, COGNOS, Access, SQL and Tableau preferred
• Experience with IT systems projects, policy admin systems, requirements documentation, and user acceptance testing
• Experience collaborating cross-functionally with actuarial, underwriting, claims, compliance, IT, risk management, sales/marketing, and executive leadership
• Experience with filing tools such as SERFF & IRFS, and state filing procedures and practices
• Working knowledge of market and competitive research tools
• Team-oriented with the ability to work effectively in collaborative environments
• Adaptable and effective in a fast-paced, dynamic environment with shifting priorities, regulatory requirements, and market conditions
• Ability to quickly learn and adapt to new software and tools
• Clear, concise, and diplomatic communicator who effectively gathers input, listens actively, and delivers messages to achieve results

Your Environment (Text Only)Schedule: 8:30-5:30pm, M-F.  #LI-Onsite   Working Conditions: Normal business office environment.  Must be able to remain in a stationary position for periods of time while constantly operating a computer and or other office productivity machinery such as a calculator or telephone.  The person in this position needs to occasionally move about inside the office to access file cabinets, office machinery or communicate with coworkers.   Travel: Minimum, as required.   ADA: The above statements cover what are generally believed to be the principal and essential functions of this job.  Specific circumstances may allow or require some people assigned to the job to perform a somewhat different combination of job duties.    American Integrity Insurance Group is an Equal Opportunity Employer.Employment Type: FULL_TIME