Commercial Product Manager

American Integrity Insurance Company of Florida, Inc.•Tampa, FL

8d•Onsite

About The Position

The Commercial Product Manager is responsible for the strategic development, implementation, and ongoing management of the company’s commercial property insurance products, including forms, rating, product manuals, and underwriting guidelines. This role ensures products remain competitive, profitable, and fully compliant with state regulatory requirements while supporting sustainable portfolio growth.

Requirements

Bachelor’s Degree or equivalent combination of education and experience. Preference for degrees in Actuarial Science, Business, Economics, Insurance, Math, Finance, Statistics, or Risk Management.
5-8 years’ experience in Commercial Lines with emphasis on Property insurance. Experience with Florida Commercial Property preferred. Prior experience in product management, underwriting, actuary/pricing, or portfolio analytics strongly preferred.
Excellent understanding of commercial lines insurance concepts, policy forms, rating methodology and underwriting
Strong documentation, research, organization, and leadership skills
Excellent project management and cross-functional collaboration abilities
Proven ability to communicate and present effectively to diverse audiences and organizational levels
Exceptional analytical and problem-solving capabilities
Advanced proficiency with computer spreadsheets and database skills. Experience with Excel, COGNOS, Access, SQL and Tableau preferred
Experience with IT systems projects, policy admin systems, requirements documentation, and user acceptance testing
Experience collaborating cross-functionally with actuarial, underwriting, claims, compliance, IT, risk management, sales/marketing, and executive leadership
Experience with filing tools such as SERFF & IRFS, and state filing procedures and practices
Working knowledge of market and competitive research tools
Team-oriented with the ability to work effectively in collaborative environments
Adaptable and effective in a fast-paced, dynamic environment with shifting priorities, regulatory requirements, and market conditions
Ability to quickly learn and adapt to new software and tools
Clear, concise, and diplomatic communicator who effectively gathers input, listens actively, and delivers messages to achieve results

Responsibilities

Own the commercial lines product portfolio, from concept and development through implementation and ongoing management.
Analyze portfolio performance by reviewing profitability, growth, retention, loss ratios, claims frequency and severity, and exposure concentrations.
Identify underperforming or high-risk segments of the commercial portfolio and recommend corrective actions, including underwriting, pricing, or product changes.
Conduct market and competitive analysis to assess pricing, coverage offerings, eligibility guidelines, and distribution strategies across all applicable states.
Partner closely with Actuary, Underwriting, Sales, Claims, Reinsurance, IT, and Operations teams to align product strategy with enterprise objectives.
Manage the development and maintenance of policy forms, rating & rating rules, and underwriting manuals.
Develop filing materials and handle filings with state departments of insurance, coordinating with Actuary & Risk Management as needed.
Support pricing strategy by providing analytical insights based on actuarial indications, market intelligence, claims trends, catastrophe exposure, and regulatory considerations.
Participate in reinsurance placement as needed.
Monitor legislative, regulatory, and market developments and recommend product or rating changes as needed.
Drive implementation of product changes coordinating with IT, external vendors, and internal stakeholders to ensure accurate and timely execution.
Support the creation of agent and policyholder communications related to product changes, new programs, and underwriting initiatives.
Work with Data Team to develop tools, reports, and dashboards to support product analysis and decision-making.
Mentor and guide product analysts or junior team members, supporting professional development and knowledge sharing.