Manager, Product and Underwriting

Responsibilities

• Own underwriting decisions within binding authority, including referral approvals, exception handling, and appetite framework maintenance.
• Design and execute property insurance programs covering CAT strategy, reinsurance structures, portfolio pricing, and risk appetite.
• Research, develop, and file new products and enhancements across ISO and proprietary forms, endorsements, and underwriting guidelines in multiple states.
• Develop and maintain policy forms across all lines, including coverage carve‑outs, enhancements, and protective language.
• Work with capacity partners and reinsurers to set pricing strategy and risk assessment standards for programs and individual referrals.
• Monitor production, rate adequacy, loss ratios, and risk quality, then recommend and implement adjustments to pricing and underwriting strategy.
• Navigate ISO and other regulatory service organizations for form filings, rule updates, and multi‑state compliance.
• Build and maintain underwriting tooling including raters, eligibility engines, pricing worksheets, and AI triage, and QA new implementations.
• Own E&S placement infrastructure including market relationships, placement workflows, and servicing processes.
• Act as primary technical authority for carrier relationships, binder compliance, capacity expansion conversations, and competitive intelligence to recommend product solutions and appetite expansions.

• Takes clear ownership of book performance and acts without waiting to be told when something needs fixing.
• Commercially minded, balancing coverage quality with portfolio economics.
• Constructive on appetite, pushing back where needed but actively finding a path to yes.
• Communicates technical content clearly to non‑underwriting audiences.
• Comfortable with evolving scope and wearing multiple hats in a startup environment.
• Technical Skills
  • Commercial lines underwriting depth across CPP, GL, and commercial property, from small business through mid‑market.
  • Property program management covering CAT strategy, reinsurance structures, TIV monitoring, and portfolio pricing.
  • Multi‑state product filing and ISO regulatory navigation across proprietary and standard forms.
  • E&S / surplus lines market experience, including Lloyd's or non‑admitted paper.
  • Experience providing business requirements to tech teams for rating automation and platform builds.
  • Analytical ability to interpret loss trends, rate adequacy, and production data.
  • CPCU strongly preferred; ARM, ASLI, or AU a plus.
• AI & Tooling
  • Uses AI tools daily to accelerate triage, form analysis, research, and drafting workflows.
  • Can evaluate AI‑generated underwriting outputs and translate underwriting logic into buildable tool specifications.
• Licensing
  • Active P&C license required; KS/MO or surplus lines licensing preferred;
    Lloyd's Cover holder experience a plus.
• Travel – Occasional travel for carrier meetings, broker events, and Lloyd's market visits in London.
• Location – Kansas City, MO (Hybrid) or remote opportunity considered for the right candidate.

• CPCU
• ARM
• ASLI
• AU
• P&C license
• Surplus lines licensing