Insurance Product Director

## Insurance Product Director Apply:
Remote:
Remote - Maryland:
Full time:
Posted 7 Days Ago:
R26 _Built on meritocracy, our unique company culture rewards self-starters and those who are committed to doing what is best for our customers.
** Oxford Risk Management Group
** is seeking an
** Insurance Product Director
** to join our growing team in
** Sparks, MD, Hybrid, or Remotely.
** As Insurance Product Director at Oxford Risk Management Group, you will serve as a senior home-office technical authority for Oxford's Commercial Casualty products, with primary emphasis on Commercial Auto, Commercial General Liability, and Excess Liability. This position requires exceptional technical judgment, strong communication and organizational skills, and the ability to lead complex product initiatives across multiple departments and external business partners.  

The ideal candidate will have extensive experience with commercial insurance product development and management, including coverage forms, rating rules, state filings, regulatory requirements, and product governance. The Insurance Product Director must possess deep knowledge of ISO products and processes, non-ISO and manuscript forms, admitted and non-admitted markets, and state-specific insurance requirements.  The Insurance Product Director will oversee the product lifecycle from design and regulatory approval through implementation, maintenance, and ongoing governance.

The role will translate legal, regulatory, coverage, rating, and operational requirements into clear product standards and will serve as a trusted technical resource to Underwriting, Compliance, Operations, Revenue, Claims, Actuarial, Information Technology, and executive leadership.  
** How You Will Contribute:*
* * Owns and manages Oxford's Commercial Auto, Commercial General Liability, and Excess Liability product framework, including coverage forms, endorsements, rating rules, underwriting rules, state requirements, and product documentation.
* Serves as the primary technical resource for complex questions involving coverage interpretation, policy construction, rating methodology, form selection, regulatory requirements, and product best practices.
* Develops and maintains clear product standards governing the appropriate use of ISO forms, company-specific forms, non-ISO forms, and manuscript endorsements.
* Evaluates how definitions, insuring agreements, exclusions, conditions, limits, aggregates, defense provisions, and endorsements interact within a policy and across primary and excess layers.
* Identifies and resolves coverage gaps, conflicting provisions, unintended coverage grants, inconsistencies between underlying and excess policies, and other policy-construction concerns.
* Maintains current knowledge of ISO circulars, coverage revisions, rules, classifications, loss costs, rating plans, and implementation requirements and assesses their impact on Oxford's products and portfolio.
* Leads the review and implementation of new or revised ISO programs and determines where Oxford should adopt, modify, defer, or supplement ISO content.
* Develops, revises, and maintains proprietary coverage forms, endorsements, rules, and supporting product materials in coordination with Legal, Compliance, Underwriting, Claims, Actuarial, and external resources.
* Oversees state form, rate, and rule filing strategies for admitted products, including preparation and submission of filings, management of objections, and coordination of responses to state Departments of Insurance.
* Communicates directly with state insurance regulators, filing counsel, fronting carriers, and other external partners to address product questions, filing objections, regulatory concerns, and approval requirements.
* Applies strong knowledge of admitted, non-admitted, and surplus lines markets, including state-specific requirements, filing obligations, documentation standards, stamping or tax considerations, and placement limitations.
* Establishes and maintains a state-by-state product matrix identifying approved forms, rates, rules, deviations, required notices, cancellation and nonrenewal requirements, and other jurisdiction-specific considerations.
* Monitors legislative, regulatory, judicial, ISO, and market developments that may affect Oxford's products and coordinate timely changes to forms, rules, procedures, and systems.
* Provides product guidance regarding trucking and transportation exposures, including motor-carrier coverage requirements,…