Insurance Product Manager

Stand Insurance•Seattle, WA

1d•$150,000 - $180,000

About The Position

Why Join Stand: At Stand, you’ll help build a new class of global property protection. We use advanced physics and AI to model catastrophic risk at the asset level, then automate underwriting and mitigation before loss occurs. Insurance is simply the current delivery mechanism. The real product is a scalable risk engine. We stay when traditional insurers exit. We model what others approximate. And we build systems that change outcomes, not just prices. Background: The property insurance industry is built to price loss after it happens. It relies on coarse proxies, backward-looking data, and manual processes, then accepts damage as unavoidable. Stand takes a different approach. We simulate how real-world catastrophes affect individual properties, translate that into actionable decisions, and automate the business around it. The result is a platform that can underwrite what others can’t and operate with far less friction. Why Join Stand: At Stand, you’ll join a mission-driven team redefining insurance through the lens of climate resilience, building a transformative, data-driven insurance model with real-world impact for homeowners and communities on the front lines of climate change. Role Summary: We’re looking for a Insurance Product Manager to own and evolve our homeowners insurance products, starting with California and expanding into new states. This role sits at the intersection of underwriting performance, data-driven decision-making, and cross-functional execution. You’ll translate underwriting results, competitive dynamics, third-party data capabilities, and regulatory constraints into a profitable, scalable, and differentiated homeowners product suite. This is a hands-on role for an operator who thrives in ambiguity, moves quickly, and takes true ownership from strategy through execution.

Requirements

8+ years of product management or product development experience, ideally in P&C insurance.
Strong understanding of homeowners insurance products, underwriting rules, and coverage structures.
Demonstrated ability to use performance data to drive concrete product and underwriting decisions.
Experience working cross-functionally with actuarial, underwriting, and engineering teams.
Excellent written and verbal communication skills, with high documentation discipline.

Nice To Haves

Experience with E&S markets, high-volatility perils, or property-catastrophe products.
Exposure to multi-state insurance product builds and launches.
Familiarity with third-party data integrations (hazard scores, geospatial data, inspections, etc.).
Prior work with MGAs, fronting carriers, or insurance partnerships.

Responsibilities

Own Product Performance & Profitability
Develop a deep understanding of product performance at the segment level, identifying key risk drivers, underwriting leakage, and unprofitable exposures.
Translate insights into underwriting rule changes, appetite refinements, and product adjustments that improve loss performance.
Establish and lead regular performance reviews with underwriting and actuarial partners.
Build a Competitive Coverage Suite
Evaluate competitor offerings across coverages, deductibles, limits, endorsements, and state-specific constraints.
Define and evolve the coverage suite required to win in each market while remaining profitable and operationally feasible.
Identify coverage gaps and sequence them into a clear product roadmap.
Own Third-Party Data Strategy
Lead selection, integration, and ongoing evaluation of insurance third-party data vendors that support underwriting, pricing, and risk segmentation.
Ensure external data is effectively leveraged across the quote and underwriting lifecycle to improve accuracy and speed.
Measure and communicate ROI for each vendor based on predictive lift, operational impact, and cost.
Drive Multi-State Product Expansion
Own end-to-end product definition and launch for new states, including eligibility rules, coverage forms, mitigation credits, and vendor integrations.
Clearly document state-specific requirements for actuarial, underwriting, engineering, and applied science teams.
Ensure product decisions align with pricing, regulatory, and reinsurance constraints—without slowing execution.
Partner with Carriers & External Stakeholders
Manage relationships with fronting carriers and product partners to ensure coverages, forms, and updates are compliant and approved.
Drive predictable, low-friction approval cycles through clear documentation and proactive communication.
Lead Cross-Functional Execution
Collaborate closely with underwriting, actuarial, engineering, and applied science to deliver product changes smoothly and accurately.
Translate complex product decisions into clear requirements and documentation for engineering and QA.
Ensure production behavior matches filed and intended product design.