Assistant Director , Product Research, Liberty Mutual Mobility Solutions

Liberty Mutual Insurance•Boston, MA

2d•$106,000 - $197,000

About The Position

Liberty Mutual Mobility Solutions is seeking a consultant to support product research and development for new mobility insurance products. This role is responsible for drafting and maintaining coverage language and forms, assessing product compliance, preparing and collaborating on internal filings, and analyzing competitor filings. The role requires an adaptive and innovative approach to coverage design, including manuscript solutions for emerging mobility and autonomous vehicle risks where traditional insurance frameworks may not yet exist. It operates at the intersection of product, underwriting, claims, legal, and strategy to help shape scalable insurance solutions for evolving transportation models. This role will drive the development of mobility segment products and segment strategies to capitalize on disruptions in the transportation space. A key to success will be the ability to adapt traditional commercial and personal lines insurance products to address the coverage needs of mobility customers. The role will evaluate and design coverage approaches for emerging risks associated with autonomous vehicles, teleoperation, platform liability, mixed fleet models, and evolving mobility ecosystems, often in developing market standards and regulatory frameworks. As part of the Mobility Solutions team, this role is involved with a top priority cross-business unit initiative aimed at positioning the company for success as transportation evolves. With new mobility products already in market, this role will execute on opportunities to improve and expand the portfolio.

Requirements

Prior product experience with analyzing and drafting commercial insurance policy contracts, as well as preparing filings and responding to objections.
Experience drafting manuscript coverage language and navigating complex or non-standard insurance structures strongly preferred.
Project management experience working cross-functionally with multiple stakeholders.
Highly developed critical thinking, problem-solving, communication, and presentation skills.
Track record of framing decisions and recommending trade-offs.
Demonstrated ability to build relationships and influence others (both with and without authority).
Ability to manage and prioritize multiple initiatives.
Master's degree or equivalent in mathematics, economics, statistics, or other quantitative field
Minimum 6 years relevant work experience, typically 8 years
Expert skills in Excel, PowerPoint, and statistical software packages (eg, SAS, Emblem)
Exceptional planning, analytical, decision making, communication, and project management skills

Nice To Haves

Prior experience pulling and reviewing competitor filings beneficial.
Prior experience in Claims, Underwriting, and/or Compliance in the insurance industry is helpful.
Experience with Commercial Auto and/or General Liability products is preferable.
Experience with emerging mobility, autonomous vehicle, transportation network company (TNC), specialty casualty, or other evolving risk environments is strongly preferred.
PhD or equivalent research beneficial
Experience managing projects preferred

Responsibilities

Managing multiple Mobility product form and contract initiatives, including the preparation of filings.
Analyzing information from various resources and making recommendations while working with others across LMMS.
Innovating with other teams to design and develop coverage language for new products in a fast-paced environment.
Designing and evolving manuscript coverage solutions for emerging mobility and AV exposures.
Evaluating novel liability and operational models involving autonomous systems, teleoperation, platform liability, and mixed fleet structures.
Partnering across underwriting, claims, legal, actuarial, and strategy teams to develop commercially viable and scalable coverage approaches in areas where market standards are still emerging.
Answering inquiries related to coverages, forms, manuscripts, and contracts.
Monitoring bureau and state legislative activity, evaluating impacts to existing Mobility products, and how competitors address coverage.
Providing insights on the current and competitor coverage landscape to drive profitability goals.
Driving and coordinating cross-functional coverage initiatives, working closely with teammates in other functions (including partnerships, underwriting, pricing, and claims) and business units to build competitive advantage and enhance market positioning.
Focusing on pursuing new business opportunities, renewing key accounts, building critical capabilities, and building thought leadership in the marketplace.