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Western Mutual Insurance Jobs in California (NOW HIRING)

Western Mutual Insurance Group

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Director of Product Development

Irvine, CA · On-site

$125K - $160K/yr

About Us Since 1942, Western Mutual Insurance has been a trusted provider of homeowners insurance across the western United States. We have earned a strong reputation for long-term stability ...

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$45

How much do western mutual insurance jobs pay per hour?

As of Sep 1, 2026, the average hourly pay for western mutual insurance in California is $27.32, according to ZipRecruiter salary data. Most workers in this role earn between $18.99 and $28.94 per hour, depending on experience, location, and employer.

What is Western Mutual Insurance?

Western Mutual Insurance is a company that specializes in providing homeowners insurance, along with other property and casualty coverage, primarily in the Western United States. They are known for offering policies that protect homes, condos, and rental properties against risks such as fire, theft, and liability. The company emphasizes personalized customer service and competitive rates, often serving low-risk customers. In addition to homeowners insurance, Western Mutual Insurance may also offer earthquake and flood coverage as optional add-ons. Their focus is on providing comprehensive protection and peace of mind to property owners.

What are the key skills and qualifications needed to thrive as an insurance agent at Western Mutual Insurance?

To thrive as an Insurance Agent at Western Mutual Insurance, you need a solid understanding of insurance products, sales principles, and state licensing requirements. Familiarity with customer relationship management (CRM) software, quoting systems, and underwriting tools is typically expected. Excellent interpersonal skills, active listening, and problem-solving abilities help build trust and rapport with clients. These skills and qualifications are crucial for effectively meeting client needs, ensuring regulatory compliance, and achieving sales goals in a competitive industry.

What are some common challenges faced by claims adjusters at Western Mutual Insurance, and how can new hires prepare for them?

Claims adjusters at Western Mutual Insurance often navigate complex cases that require balancing customer satisfaction with company policies. A common challenge is efficiently managing a high volume of claims while maintaining accuracy and empathy. New hires can prepare by familiarizing themselves with the company's claim processes, developing strong organizational skills, and staying up to date on state insurance regulations. Building effective communication skills is also essential, as adjusters frequently collaborate with policyholders, agents, and legal teams.

What is the difference between Western Mutual Insurance vs Insurance Agent?

AspectWestern Mutual InsuranceInsurance Agent
CredentialsLicensing required in specific statesLicensing required in specific states
Work EnvironmentOffice-based, regional officesOffice, remote, or client visits
Industry UsageInsurance provider offering policiesSales and service of insurance policies
Job FocusPolicy underwriting, claims, customer serviceSales, client consultation, policy explanation

Western Mutual Insurance and Insurance Agent roles share licensing requirements and industry context. Western Mutual Insurance primarily focuses on policy underwriting and claims within its organization, while Insurance Agents concentrate on sales and client interactions. Both roles are essential in the insurance industry but differ in daily responsibilities and focus areas.

What are the most commonly searched types of Western Mutual Insurance jobs in California?

The most popular types of Western Mutual Insurance jobs in California are:

What are popular job titles related to Western Mutual Insurance jobs in California?

For Western Mutual Insurance jobs in California, the most frequently searched job titles are:

What job categories do people searching Western Mutual Insurance jobs in California look for?

The top searched job categories for Western Mutual Insurance jobs in California are:

What cities in California are hiring for Western Mutual Insurance jobs?

Cities in California with the most Western Mutual Insurance job openings:

Western Mutual Insurance jobs near you
Infographic showing various Western Mutual Insurance job openings in California as of August 2026, with employment types broken down into 78% Full Time, and 22% Part Time. Highlights an 92% In-person, and 8% Remote job distribution, with an average salary of $56,829 per year, or $27.3 per hour.

Director of Product Development

Western Mutual Insurance Group

Irvine, CA • On-site

$125K - $160K/yr

Full-time

Medical, Dental, Life, Retirement, PTO

Re-posted 25 days ago

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Job description

About Us

Since 1942, Western Mutual Insurance has been a trusted provider of homeowners insurance across the western United States. We have earned a strong reputation for long-term stability, financial strength, and disciplined underwriting. Today we operate in six states — Arizona, California, Idaho, Nevada, Texas, and Utah — with a diversified, high-quality portfolio. Texas is one of our most important growth markets, and we are actively investing in product development and regulatory infrastructure to support that expansion.

The Role

We are seeking a Director of Product Development to report directly to our Vice President of Underwriting and serve as a key strategic partner on product strategy across our six-state footprint. This role leads product profitability and portfolio analysis, new product innovation, competitive analysis and market research, pricing strategy, underwriting guideline development, and the full regulatory filing process. Given Texas's critical importance to our growth strategy, we're looking for a candidate with deep, hands-on experience in the Texas homeowners insurance market and a proven track record successfully navigating the Texas Department of Insurance regulatory environment.

Key Responsibilities

●        Partner directly with the VP of Underwriting on product strategy, profitability analysis, and portfolio management across Arizona, California, Idaho, Nevada, Texas, and Utah.

●        Analyze product and portfolio performance — loss ratios, rate adequacy, growth trends — to identify profitability opportunities and risks, and translate findings into product recommendations.

●        Lead new product innovation, from concept through launch, identifying opportunities to enhance and differentiate our homeowners insurance offerings.

●        Conduct ongoing competitive analysis and market research to benchmark our products, pricing, and coverage against the market and inform product strategy.

●        Develop and refine pricing strategy, and lead the development, enhancement, and ongoing refinement of rating plans, rules, and forms for our homeowners insurance products.

●        Create and maintain underwriting guidelines, ensuring they reflect current market conditions, regulatory requirements, and portfolio strategy.

●        Lead the regulatory approval process for rate, form, and rule filings, serving as the company's primary liaison with state Departments of Insurance, especially the Texas Department of Insurance.

●        Track legislative and regulatory developments across all six states, with particular emphasis on Texas, assessing how new laws affect pricing, coverage, and underwriting guidelines, as well as broader impacts to business profitability and compliance.

●        Partner closely with actuarial, claims, and legal teams to translate regulatory, legislative, and market insight into filing strategy, pricing, and product design.

●        Incorporate input from Sales leadership into product, pricing, and underwriting guideline decisions to ensure alignment with distribution and growth goals.

●        Manage filing timelines and documentation to ensure timely approvals and minimize regulatory delays.

What We're Looking For

●        Significant experience in homeowners or property/casualty product development, rating/rules/forms, and regulatory filings, with strong, demonstrated expertise in the Texas market and the Texas Department of Insurance specifically.

●        Experience with product profitability analysis and portfolio management — comfortable working with loss ratio, rate adequacy, and performance data to inform product decisions.

●        Experience leading new product development, competitive analysis, and market research.

●        Experience developing pricing strategy and creating or refining underwriting guidelines.

●        Working knowledge of state Department of Insurance regulatory frameworks and the legislative process as they relate to homeowners insurance, across multiple states.

●        Experience tracking and interpreting legislation for its potential impact on pricing, coverage, underwriting guidelines, and overall business profitability and compliance.

●        Proficiency with SERFF and insurance rating software.

●        Demonstrated success obtaining regulatory approvals in complex or restrictive states.

●        Strong analytical and drafting skills, with the ability to translate regulatory and market data into practical filing and product strategy.

●        Excellent collaboration skills, with experience working cross-functionally in a carrier environment, partnering closely with underwriting, actuarial, legal, and sales/distribution teams.

●        Bachelor's degree required; relevant industry designations (e.g., CPCU, AIC, IPMA) are a plus.

Why Join Us

With over eight decades of financial strength and underwriting discipline, Western Mutual combines the stability of a long-established carrier with the agility and innovation of a company actively investing in growth. This role offers a unique opportunity to shape the product and regulatory foundation for one of our most important expansion markets (Texas), while working in close partnership with our VP of Underwriting. You'll have direct visibility into how your product strategy, pricing, and filing decisions drive real business results — all from our Irvine, CA headquarters.

We value collaboration, strategic thinking, and a commitment to disciplined growth. Join a team where your work directly influences our success across the Western U.S.

We are an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status.

We offer a competitive salary and a full benefits package including a Company Car, 401k Plan, Profit Sharing Plan and Bonus Plan.

Please see our Privacy Notice For Job Applicants here:

https://www.westernmutual.com/careers/privacynoticeforjobapplicants

Company Description

The Western Mutual Insurance Group has been providing excellent customer service to homeowners throughout the Southwestern United States for over 80 years. We are rated A (Excellent) ) by A.M. Best Company and have been named among the Top 50 Property Casualty Insurers in the country by Ward’s.
Our constant endeavor in employee relations is to maintain a well-trained, enthusiastic and efficient group of employees who work together to make our business successful, thus enhancing the career goals of every employee.

Please see our Privacy Notice For Job Applicants here:
https://www.westernmutual.com/careers/privacynoticeforjobapplicants