Insurance Product Manager, Excess & Surplus Lines

Job Description

Job Description

Why join us?

We’re a global tech company,  just not the kind you’re picturing.

Our team of nearly a thousand people wakes up every day to make our product and our customers’ lives better. At SafetyCulture, you’ll hear “yes, let’s give it a shot” more often than “that’s not how we do things here.”

People join because we’re building tools that make work better for the 3 billion people who keep the world moving - factory floor operators, baggage handlers, truck drivers, servers, store assistants. The ones who make things happen. We’ve got the scale and innovation you’d expect from big tech. The difference? No endless layers of sign-off. No corporate theatre. Just smart, experienced people solving real problems fast 

The scale is big. But the ownership’s personal. Every full-time team member gets equity - real skin in the game. When we grow, you do too. We’re not perfect, no company is. But this next chapter of our growth is about scaling with intelligence, not just size - fueled by operational maturity, a clear vision, and a strong focus on AI. 

This is big tech impact, without the big tech ick. If that excites you more than it scares you, you’ll fit right in.

SafetyCulture Care 

SafetyCulture Care is an innovative insurance underwriting agency that is one part of this broader organisation. SafetyCulture Care 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.

The Role 

This is an exciting opportunity to build and own the product and underwriting engine of SafetyCulture Care - a Lloyd’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.

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, 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

About you

What you bring 

• 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

Technical Skills 

• 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
• 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. Thanks to the tireless efforts of the entire SafetyCulture team we’ve built an incredible culture which has seen us recognised as a Best Place to Work in Australia , the US and the UK.

Even if you don't meet every requirement listed in the ad, please consider applying for this role. We prioritise inclusion and value individuals with potential over a checklist of qualifications. Don't rule yourself out, hit that apply button if this job resonates with you

You can find out more about life at SafetyCulture via Youtube , Twitter , Instagram and LinkedIn .

To all recruitment agencies, we do not accept resumes or partnership opportunities. Please do not forward resumes to SafetyCulture or any of our employees. We are not responsible for any fees associated with unsolicited resumesWe’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. Thanks to the tireless efforts of the entire SafetyCulture team we’ve built an incredible culture which has seen us recognised as a Best Place to Work in Australia , the US and the UK .

Even if you don't meet every requirement listed in the ad, please consider applying for this role. We prioritise inclusion and value individuals with potential over a checklist of qualifications. Don't rule yourself out, hit that apply button if this job resonates with you

You can find out more about life at SafetyCulture via Youtube , Twitter , Instagram and LinkedIn .

To all recruitment agencies, we do not accept resumes or partnership opportunities. Please do not forward resumes to SafetyCulture or any of our employees. We are not responsible for any fees associated with unsolicited resumes.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.