Insurance Product Manager, Excess & Surplus Lines

About SafetyCulture Care SafetyCulture Care is an innovative insurance underwriting agency that is one part of this broader organisation. We partner with brokers and insureds to provide commercial insurance solutions and a platform that enables proactive risk reduction and workplace safety. The Role This role will design, own and manage the underwriting engine for SafetyCulture Care – a Lloyd’s Coverholder MGA writing commercial property and general liability across 10 U.S. states. You will be accountable for book quality, profitability, underwriting authority and product development. What You’ll Be Doing 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, and 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 About You Takes clear ownership of book performance and acts proactively to improve quality Commercially minded, balancing coverage quality with portfolio economics Constructive on appetite, pushing back where needed while finding a path to yes Communicates technical content clearly to non‑underwriting audiences Comfortable with evolving scope and wearing multiple hats in a fast‑moving environment Technical Skills Commercial lines underwriting depth across CPP, GL and commercial property, from small business to mid‑market Property program management covering CAT strategy, reinsurance, 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 CPCU strongly preferred; ARM, ASLI, or AU a plus AI & Tooling 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 Requirements Licensing: Active P&C license required; KS/MO or surplus lines licensing preferred; Lloyd's Coverholder experience a plus Travel: Occasional travel for carrier meetings, broker events, and Lloyd's market visits in London Location: Kansas City, MO (Hybrid) or remote opportunity considered for the right candidate We’re committed to building inclusive teams and cultivating a sense of belonging so our people can bring their whole authentic selves to work each day. We seek to make reasonable adjustments throughout our recruitment process to create an even playing field for all candidates. We may use artificial intelligence tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are made by humans. #J-18808-Ljbffr SafetyCulture