Farm Family P & L Officer

BP&C•Omaha, NE

About The Position

This role is for a Head of Small Commercial, also known as a P&L Owner, with the mission to own the full financial and strategic performance of the Small Commercial business. The goal is to balance growth, underwriting profitability, and capital efficiency while building a scalable, market-leading franchise. Initially, this leader will operate in a matrixed capacity, influencing strategy and execution across underwriting, pricing, claims, and distribution. Subsequently, they will design, justify, and establish a dedicated operating model and team to accelerate performance. The role evolves through three phases: Phase 1 (0-6 months) focuses on diagnosis, alignment, and shaping strategy through influence, establishing P&L visibility, diagnosing portfolio health, evaluating capabilities, and building a strategy blueprint. Phase 2 (6-18 months) involves building and proving capabilities, executing the investment roadmap, demonstrating measurable improvements, and formalizing P&L ownership mechanisms. Phase 3 (18+ months) focuses on scaling and owning the business, building and leading a dedicated Small Commercial organization, optimizing capital deployment, and delivering sustained outperformance.

Requirements

Applicants must be legally authorized to work in the United States.
We are not able to sponsor or assume sponsorship of employment visas at this time.

Nice To Haves

Experience in farm and ranch protection
Experience with products including flexible farm packages, business owner policies, commercial package, workers compensation, commercial auto, and select personal auto coverage.
Experience serving Northeast and Mid-Atlantic markets
Experience pursuing growth across the U.S.

Responsibilities

Own Small Commercial P&L: GWP, Earned Premium, Loss Ratio, Expense Ratio, Combined Ratio
Manage growth, retention, mix/segmentation
Set and refine appetite by class, size, industry, geography, channel
Drive rate adequacy and pricing sophistication with actuarial
Actively manage concentration risk, cat exposure, and litigation-prone segments
Define and outperform annual business plan
Partner with Ops/IT to build a fit-for-purpose small commercial engine (STP, simplified workflows, pre-bind rules)
Improve cycle times, responsiveness, data capture quality
Monitor NPS/CSAT, referral SLAs, ease-of-doing-business
Partner closely with Claims to understand severity drivers, emerging trends, reduce leakage, and improve outcomes
Embed claims insights into pricing, appetite, and underwriting rules
Assess talent across underwriting, product, and analytics
Define hiring plan and capability requirements
Justify ROI of organizational build-out
Lead Small Commercial team: Product/Portfolio Leads, Underwriting leaders/teams, Analytics
Build a culture of ownership, data-driven decision-making, speed, and discipline
Influence appetite, pricing, and underwriting decisions (Early/Matrix Authority)
Recommend investment priorities and drive alignment across functions
Co-own appetite, pricing direction, and underwriting frameworks (Mid/Shared Authority)
Hold formal role in governance committees
Have final decision on appetite, segmentation, product roadmap, underwriting framework (Late/Full P&L Authority)
Direct control over dedicated small commercial resources