Farm Family P & L Officer

Company

Farm Family

Farm Family specializes in farm and ranch protection with a wide range of products including flexible farm packages, business owner policies, commercial package, workers compensation, commercial auto and select personal auto coverage. Farm Family is a leader in serving the Northeast and Mid-Atlantic markets and is pursuing growth across the U.S. The Farm Family entities are wholly-owned subsidiaries of Clearbrook Group Holdings Inc.

Own full financial and strategic performance of the Small Commercial business, balancing growth, underwriting profitability, and capital efficiency while building a scalable, market-leading franchise over time.

This leader will initially operate as a matrixed business owner, shaping strategy and execution across underwriting, pricing, claims, and distribution-then design, justify, and stand up a dedicated operating model and team to accelerate performance.

Objective: Establish control through influence; define the opportunity and roadmap

• Own small commercial P&L visibility (baseline performance, segmentation, profitability drivers)
• Diagnose portfolio health:
  • Segment profitability (class, size band, tenure, state, channel)
  • Rate adequacy
  • Expense evaluation
  • Claims drivers (severity, litigation, leakage)
• Evaluate current capabilities:
  • Underwriting (authority, consistency, referral patterns, talent quality)
  • Pricing (rating plans, segmentation depth, data gaps)
  • Distribution (producer mix, productivity, concentration, appetite clarity)
  • Operations (cycle time, STP, scalability constraints)
• Identify structural gaps vs. best-in-class small commercial models (speed, simplicity, segmentation, digital enablement)
• Build and socialize Small Commercial Strategy & Operating Model Blueprint
  :
  • Target segments and appetite
  • Go-to-market and channel strategy
  • Required pricing sophistication
  • Underwriting model (rules vs. judgment)
  • Technology and workflow needs
• Begin influencing:
  • Appetite clarity and tightening/expansion
  • Early pricing or segmentation fixes
  • Distribution focus adjustments

Key Output: business case for investment and operating model evolution

Objective: Stand up capabilities and demonstrate measurable improvement

• Execute approved investment roadmap:
  • Talent (initial hires: product/portfolio, analytics, underwriting leadership as needed)
  • Pricing/segmentation improvements
  • Workflow/STP enhancements
• Begin formalizing P&L ownership mechanisms
  :
  • Portfolio steering cadence
  • Rate adequacy governance
  • Exception and authority frameworks
• Deliver early wins:
  • Improved loss ratio through segmentation/pricing
  • Increased quote-to-bind and retention where targeted
  • Reduced cycle times and referral friction
• Establish:
  • Underwriting guidelines and authority aligned to small commercial speed
  • Producer segmentation and targeted growth strategy
  • Claims feedback loop for loss drivers and leakage
• Start building a dedicated small commercial identity internally and externally

Key Output: Demonstrated P&L momentum + validation of the model

Objective: Transition to full organizational ownership with reporting structure

• Build and lead a dedicated Small Commercial organization
  , including:
  • Product / Portfolio Management (fully or partially aligned to the vertical)
  • Underwriting teams (fully or partially aligned to the vertical)
  • Analytics / pricing partnership structure
  • Dedicated ops alignment (where scale warrants)
• Assume formal authority over underwriting execution for the segment
• Mature capabilities:
  • Advanced segmentation / pricing sophistication
  • Automated underwriting / STP expansion
  • Digital distribution and platform strategy
• Optimize capital deployment:
  • Reinsurance usage
  • Mix management
  • Expansion into adjacent segments or geographies
• Deliver sustained out performance vs. plan and market

Key Output: Fully scaled, profitable, and differentiated small commercial franchise

• Own Small Commercial P&L:
  • GWP, Earned Premium, Loss Ratio, Expense Ratio, Combined Ratio
  • Growth,…