Commercial Product Associate

Company Overview

The Insurance Institute for Business & Home Safety (IBHS) is a leading independent, nonprofit research organization dedicated to enhancing the resilience of homes, businesses, and communities against natural hazards. Founded and supported by the property insurance industry and related service providers, IBHS conducts cutting‑edge research to better understand how natural forces impact the built environment. With a cutting‑edge research facility in Richburg, SC capable of simulating up to Category 3 hurricanes, wildfires & ember storms, and hailstorms on full‑size one‑ and two‑story structures, IBHS translates science into practical insights, engineering innovations, and science‑backed recommendations that reduce the impacts of natural disasters on communities and the built environment.

This position plays a key role at IBHS, bridging the gap between research, engineering, and insurance. It partners with IBHS researchers to translate scientific and engineering findings into educational materials and guidance for member companies, loss control professionals, and policyholders. These efforts support resilient construction practices that go beyond code requirements and help strengthen the built environment against severe weather. Through this work, you will help member companies better understand how building performance influences risk.

By connecting engineering research to real‑world applications, you’ll enable more informed underwriting decisions, enhance loss control evaluations, and advance risk mitigation across commercial portfolios.

• Collaborate with commercial lines, product, research, engineering, and FORTIFIED teams to develop peril‑specific resources that translate IBHS findings into actionable guidance for members and policyholders.
• Provide education and technical guidance to insurance professionals on common structural vulnerabilities in commercial buildings and how to evaluate them during underwriting.
• Partner with research teams to share insights on key commercial insurance loss drivers, helping align IBHS research priorities with industry needs.
• Design and facilitate educational sessions, both virtual and in‑person, on IBHS research advancements and the FORTIFIED Designation program, emphasizing their relevance to commercial underwriting.
• Regularly meet with commercial members to identify new loss drivers and emerging risks that can help drive IBHS's new product development.

• Bachelor’s degree in Risk Management and Insurance, Finance, Business Administration, Economics, Engineering, or a related field. Candidates with a degree in another field will be considered with relevant experience in commercial property underwriting or risk management.
• 2+ years of experience in commercial property underwriting or loss control.
• Associate Risk Management (ARM) or Chartered Property and Casualty Underwriter (CPCU) is a plus.

• Strong knowledge of commercial property underwriting, including risk assessment, coverage evaluation, and exposure analysis. Loss control experience is a plus.
• Proficient in analyzing different types of commercial property coverages and how policy terms, forms, and endorsements influence underwriting decisions and risk management strategies.
• Familiar with a range of underwriting workflows and operational processes, with the ability to integrate risk data, engineering insights, and policy systems throughout the underwriting cycle.
• Ability to translate complex research theories and engineering outcomes into insurance terminology and actionable guidance that supports underwriting and risk management decisions.

• Communicate effectively and collaborate with diverse teams.
• Use analytical thinking to solve complex problems.
• Confident presentation to audiences of varying sizes and backgrounds.
• Maintain strong attention to detail, quality and accuracy.
• Approach challenges with creativity and persistence.

We offer a competitive salary aligned with experience and skills, along with health, dental, and vision insurance, paid time off, and holidays. Employees enjoy…