Freelance Insurance Product Manager Jobs (NOW HIRING)

Location: Waltham, MA (hybrid)
ERGO NEXT's mission is to help entrepreneurs thrive. We're doing that by building the only technology-led, full-stack provider of small business insurance in the industry, taking on the entire value chain and transforming the customer experience.
Simply put, wherever you find small businesses, you'll find ERGO NEXT.
Since 2016, we've helped hundreds of thousands of small business customers across the United States get fast, customized and affordable coverage. We're backed by industry leaders in insurance and tech, and we still have room to grow - that's where you come in.
We're looking for an Insurance Product Manager to help grow and evolve our Commercial Property and Inland Marine business.
You'll operate as a business owner for our insurance products-identifying growth opportunities, improving profitability, shaping product strategy, and turning ideas into market-ready solutions.
At NEXT, insurance product managers build. You'll stay close to both implementation and business results.
We hire insurance product managers at multiple levels. Level and scope will reflect your experience, prior ownership, and demonstrated ability to drive business outcomes.
What You'll Do:

• Identify and prioritize growth opportunities across customer segments, geographies, coverages, distribution, and product capabilities.
• Build, not just recommend. Lead initiatives from business case and product development through regulatory filing, design&implementation, launch, and performance monitoring. Make product changes directly where possible and partner with Engineering and Design on larger builds.
• Drive profitable growth by diagnosing portfolio performance and translating insights into pricing, segmentation, underwriting, coverage, and form changes.
• Shape the product strategy and roadmap using customer needs, competitive intelligence, claims insights, and portfolio economics.
• Serve as a trusted product expert and cross-functional owner, partnering with Actuarial, Engineering, Data Science, Legal&Compliance, AI Underwriting, Claims, Operations, and leadership.

What We Need:
Required

• Experienced: You have 5+ years of P&C insurance experience, with demonstrated ownership of insurance products, portfolios, or major initiatives. You understand how pricing, underwriting, segmentation, coverage, forms, and regulatory filings work together to drive product performance.
• Builder: You take work from problem definition through launch and results. You're hands-on, comfortable with implementation details, and willing to learn the systems and tools needed to get the work done.
• Business-minded: You understand how insurance product decisions affect growth, profitability, and loss performance. You use data to diagnose drivers, evaluate trade-offs, and take action.
• Skilled: You're analytical, highly organized, and able to lead multiple complex initiatives. You communicate clearly and work effectively across insurance, technical, and business teams.
• Hungry: You want meaningful ownership and visible impact. You're proactive, curious, collaborative, low-ego, and open to using new technology-including automation and AI-to improve how work gets done.

Preferred

• Commercial lines experience, particularly Commercial Property, Inland Marine, or Businessowners Policy (BOP)
• Relevant property-focused personal lines experience, particularly Homeowners or Dwelling Fire
• Experience with rate, rule, or form filings
• Experience partnering directly with Actuary, Engineering, Design, or technical product teams
• Small commercial, insurtech, or digital insurance experience

Strong candidates from other P&C product lines will also be considered.
Qualifications:

• • BA/BS degree required
  • Advanced degree and/or insurance designation is a plus

Note on Fraudulent Recruiting
We have become aware that there may be fraudulent recruiting attempts being made by people posing as representatives of ERGO NEXT Insurance. These scams may involve fake job postings, unsolicited emails, or messages claiming to be from our recruiters or hiring managers.
Please note, we do not ask for sensitive information via chat, text, or social media, and any email communications will come from the domain @next-insurance.com or @nextinsurance.com. Additionally, Next Insurance will never ask for payment, fees, or purchases to be made by a job applicant. All applicants are encouraged to apply directly to our open jobs via the careers page on our website. Interviews are generally conducted via Zoom video conference unless the candidate requests other accommodations.
If you believe that you have been the target of an interview/offer scam by someone posing as a representative of Next Insurance, please do not provide any personal or financial information. You can find additional information about this type of scam and report any fraudulent employment offers via the Federal Trade Commission's website (https://consumer.ftc.gov/articles/job-scams), or you can contact your local law enforcement agency.
The range displayed on this job posting reflects the minimum and maximum target for new hire base salaries for the position in the location(s) listed. Within the range, individual pay is determined by additional factors, including, without limitation, job-related skills, experience, and relevant education or training. ERGO NEXT employees are also potentially eligible for our annual performance-based incentive program, in addition to our benefits package, consisting of our partially subsidized medical plan, fully subsidized vision/dental options, life insurance, disability insurance, 401(k), flexible paid time off, parental leave and more.
US annual base salary range for this full-time position:
$127,000-$170,000 USD
Don't meet every single requirement? Studies have shown that some underrepresented people are less likely to apply to jobs unless they meet every single qualification. At ERGO NEXT, we are dedicated to building a diverse, inclusive and respectful workplace, so if you're excited about this role but your past experience doesn't align perfectly with every qualification in the job description, we encourage you to apply anyways. You may be just the right candidate for this or other roles.
One of our core values is 'Play as a Team'; this means making sure everyone has an equal chance to participate and make a difference. We win by playing together. ERGO Next Insurance is an equal opportunity employer and prioritizes building a diverse and inclusive workplace. We provide equal employment opportunities to all employees and applicants of any type and do not discriminate based on race, color, religion, national origin, gender, age, sexual orientation, physical or mental disability, genetic information or characteristic, gender identity and expression, veteran status, or other non-job-related characteristics or other prohibited grounds specified in applicable federal, state, and local laws. ERGO Next's policy is to comply with all applicable laws related to nondiscrimination and equal opportunity and will not tolerate discrimination or harassment based on any of these characteristics. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.