Manager, Product and Underwriting

SafetyCulture•Kansas City, MO

3d•Hybrid

About The Position

SafetyCulture Care is an innovative insurance underwriting agency that is committed to empowering businesses to navigate risk effectively and foster resilient operations. Our mission is to partner with our valued brokers and insureds, providing not just comprehensive commercial insurance solutions, but also a leading-edge platform that enables proactive risk reduction, enhances workplace safety, and drives operational excellence. This is an exciting opportunity to build and own the product and underwriting engine of SafetyCulture Care - a Lloydâ€™s Coverholder MGA writing commercial property and GL across 10 states. This role will be accountable for book quality, profitability, underwriting authority, and product development.

Requirements

Takes clear ownership of book performance and acts without waiting to be told when something needs fixing
Commercially minded, balancing coverage quality with portfolio economics
Constructive on appetite, pushing back where needed but actively finding a path to yes
Communicates technical content clearly to non-underwriting audiences
Comfortable with evolving scope and wearing multiple hats in a startup environment
Commercial lines underwriting depth across CPP, GL, and commercial property, from small business through mid-market
Property program management covering CAT strategy, reinsurance structures, TIV monitoring, and portfolio pricing
Multi-state product filing and ISO regulatory navigation across proprietary and standard forms
E&S / surplus lines market experience, including Lloyd's or non-admitted paper
Experience providing business requirements to tech teams for rating automation and platform builds
Analytical ability to interpret loss trends, rate adequacy, and production data
Uses AI tools daily to accelerate triage, form analysis, research, and drafting workflows
Can evaluate AI-generated underwriting outputs and translate underwriting logic into buildable tool specifications
Active P&C license required
Occasional travel for carrier meetings, broker events, and Lloyd's market visits in London

Nice To Haves

CPCU strongly preferred
ARM, ASLI, or AU a plus
KS/MO or surplus lines licensing preferred
Lloyd's Coverholder experience a plus
Kansas City, MO (Hybrid) or remote opportunity considered for the right candidate

Responsibilities

Own underwriting decisions within binding authority, including referral approvals, exception handling, and appetite framework maintenance
Design and execute property insurance programs covering CAT strategy, reinsurance structures, portfolio pricing, and risk appetite
Research, develop, and file new products and enhancements across ISO and proprietary forms, endorsements, and underwriting guidelines in multiple states
Develop and maintain policy forms across all lines, including coverage carve-outs, enhancements, and protective language
Work with capacity partners and reinsurers to set pricing strategy and risk assessment standards for programs and individual referrals
Monitor production, rate adequacy, loss ratios, and risk quality, then recommend and implement adjustments to pricing and underwriting strategy
Navigate ISO and other regulatory service organizations for form filings, rule updates, and multi-state compliance
Build and maintain underwriting tooling including raters, eligibility engines, pricing worksheets, and AI triage, and QA new implementations
Own E&S placement infrastructure including market relationships, placement workflows, and servicing processes
Act as primary technical authority for carrier relationships, binder compliance, capacity expansion conversations, and competitive intelligence to recommend product solutions and appetite expansions