VP - Personal Lines

West Bend Insurance Company•West Bend, WI

2d•Hybrid

About The Position

The Vice President (VP) – Personal Lines provides strategic and operational leadership for the Personal Lines (PL) division, with full accountability for growth, profitability, and overall portfolio performance. This role sets the strategic direction and delivers profitable growth across auto, homeowners, umbrella, and other personal lines through disciplined underwriting, market-responsive products and pricing, strong distribution partnerships, and operational excellence. Leads a cross-functional team spanning underwriting, product, pricing/actuarial partnerships, filing/compliance, operations, and analytics to achieve profitability, retention, new business and growth goals while advancing customer experience and digital capabilities.

Requirements

12+ years in Personal Lines with progressive leadership spanning underwriting and product/pricing; proven multi‑state experience.
Demonstrated P&L leadership with successful track record executing strategy and improving combined ratio while growing profitably.
Depth in product design, rating/segmentation (including telematics/UBI), state filings, and regulatory engagement.
Strong agency/distribution acumen and change leadership across operations and technology.
Executive‑level communication, influencing, and decision‑making; building followership and cross‑functional alignment.
Strategic mindset with strong analytical abilities and a focus on continuous improvement.
Proficiency with policy/rating platforms and business intelligence tools; data‑driven decision maker

Nice To Haves

Master’s Degree (MBA, MS Analytics, etc.) preferred
Designations: CPCU preferred; additional insurance/analytics credentials a plus

Responsibilities

Strategic Leadership and P&L Define and execute a multi‑year PL strategy that balances growth, profitability, and volatility management; own the PL operating plan, including premium, loss ratio, expense ratio, and combined ratio targets. Monitor external trends (e.g., inflation, frequency/severity shifts, weather/CAT, litigation) and convert insights into timely strategy and rate/file actions.
Underwriting Governance Establish risk selection, appetite guides, authority levels, audit cadence, and referral frameworks; strengthen line‑of‑business portfolio management and accumulation controls. Maintain disciplined catastrophe management, including reinsurance considerations in partnership with the Reinsurance Committee.
Product, Pricing & Filing Lead product roadmaps, coverage forms, pricing segmentation, customer segmentation, and rate/relativity strategies;partner closely with Actuarial for indications and with Compliance on state filings; understand and integrate consumer economic factors around longevity and elasticity (lifetime value) into product strategy. Advance integrated risk management solutions, capital management sophistication, and data partnerships to improve segmentation and customer value propositions. Drive continuous improvement in underwriting sophistication, pricing segmentation, data and analytics capabilities, and product innovation. Collaborate with cross-functional leaders on technology initiatives, operational enhancements, and service improvements impacting the Personal Lines division.
Distribution & Market Management Deepen relationships with key independent agents; set compensation, incentives, and ease‑of‑doing‑business standards; drive geographic expansion and appointment strategy. Advance agency segmentation combined with consumer segmentation to meet expected outcomes. Represent Personal Lines in agency councils, joint‑selling opportunities, and key escalations, ensuring market advocacy and alignment with strategic distribution objectives.
Operations & Customer Experience Optimize new business, renewal, and endorsement workflows; reduce cycle times and rework; champion straight‑through processing and enhance customer service capabilities through expansion of digital, self‑service, and AI-enabled tools. Partner with Claims to align coverage intent and underwriting outcomes with claim handling and fraud mitigation.
Data, Analytics & Technology Set analytics priorities (pricing, elasticity, retention, lifetime value, risk management utilization), ensuring model governance and measurable lift. Prioritize platform investments (policy admin, rating, API connectivity) with Technology; ensure testing and change management rigor for rate and product releases. Integrate across the value chain to enable disciplined portfolio management. Use data insights to guide strategic decisions, prioritize initiatives, and respond to shifting market conditions.
People & Culture Build, lead, and develop a high-performing leadership bench; attract, retain and mentor underwriting and product talent. Foster a culture of accountability and continuous improvement aligned with company values. Identify talent needs, lead succession planning efforts, and promote professional development across the division.
External Representation Serve as a PL thought leader with industry groups, bureaus, and regulators where appropriate; support corporate reputation and brand.

Benefits

Medical & Prescription Insurance
Health Savings Account
Dental Insurance
Vision Insurance
Short and Long Term Disability
Flexible Spending Accounts
Life and Accidental Death & Disability
Accident and Critical Illness Insurance
Employee Assistance Program
401(k) Plan with Company Match
Pet Insurance
Paid Time Off . Standard first year PTO is 17 days , pro-rated based on month of hire.
E nhance d PTO may be available for experienced candidates
Bonus eligible based on performance