Product Counsel - Specialty Lines (Cyber & Financial Lines Insurance Experience Required)

Company Overview MSIG USA is the US-based subsidiary of MS&AD Insurance Group Holdings, Inc., one of the world’s top P&C carriers and a global Class 15 insurer, with A+ ratings and a reach that spans 40+ countries and regions. Leveraging our 350-year heritage, MSIG USA brings the financial strength, expertise, and global footprint to offer commercial insurance solutions that address your business’s unique risks. Position Summary We are seeking an experienced insurance product drafting attorney to support the development, drafting, and maintenance of specialty insurance products, with a primary focus on Cyber, Management Liability and Professional Liability. In this role, you will work closely with underwriting, state filings, actuarial, claims, and regulatory and compliance teams to draft, review, and enhance policy forms, endorsements, and related product documentation. The ideal candidate must have hands‑on experience drafting specialty insurance products and a strong understanding of the legal, regulatory, and market considerations that impact specialty product development. This is a non‑managerial, individual contributor role focused on technical drafting, product support, and collaboration across the product lifecycle. Key Responsibilities Policy Drafting & Review: Draft, review, and revise specialty insurance policies, endorsements, and related forms for cyber, management liability and professional liability products, including D&O, EPL, Fiduciary, Crime, and E&O, ensuring clarity, internal consistency, and alignment with underwriting intent. Specialty Product Development: Partner with underwriting to develop new products and coverage enhancements, and to update existing forms in response to market developments, claims experience, and legal or regulatory changes. Regulatory & Compliance Support: Support the product filing process by working with compliance and regulatory teams to prepare, revise, and respond to form‑related filings, objections, and inquiries. Competitive & Market Analysis: Review and analyze competitor policy language and industry trends to identify opportunities for product enhancement, differentiation, and risk management. Coverage Guidance & Training: Provide technical guidance to underwriting and claims teams regarding policy language, coverage intent, and application of forms; assist with internal training related to specialty products and form changes. Stakeholder Collaboration: Collaborate cross‑functionally with underwriting, state filings, actuarial, claims, and regulatory and compliance teams stakeholders to support products throughout the lifecycle—from concept and drafting through filing, implementation, and ongoing maintenance. Continuous Improvement: Contribute to ongoing refinement of drafting standards, templates, and internal processes to promote consistency, efficiency, and technical excellence in specialty product development. Qualifications Juris Doctor (JD) degree from an accredited law school. 3–5 years of experience specifically in insurance product drafting and development. Hands‑on experience drafting and revising policy forms and endorsements for specialty products, with emphasis on management liability and professional liability lines. Strong technical drafting, analytical, and issue‑spotting skills. Excellent written and verbal communication skills. Proven ability to collaborate effectively with cross‑functional business partners. Highly detail‑oriented with strong organizational and project management skills. Ability to translate underwriting intent and risk considerations into clear, effective policy language. Licensing: Active membership in good standing with at least one U.S. state bar. Preferred Qualifications Experience supporting admitted and/or non‑admitted (E&S) specialty products. Familiarity with form filing processes, state insurance regulatory requirements, and responding to DOI objections. Experience reviewing claims trends or coverage disputes to inform product language improvements. Comfort working independently in a pure individual contributor role with responsibility for assigned product areas. Salary The estimated salary range for this position is $190,000.00 – $220,000.00 per year. This is a good‑faith assessment of the salary range for this position only. In determining the actual salary within this range, MSIG USA will consider a candidate’s relevant experience, location, and other job‑related factors. Benefits Healthcare and Retirement Benefits Comprehensive medical, dental, and vision coverage 401(k) with a generous employer match and profit‑sharing contribution Wellness incentive program Life and accidental death and dismemberment (AD&D) insurance Flexible spending programs Short‑term and long‑term disability plans Additional Benefit Programs Paid time off program Paid charitable leave Paid parental leave Tuition reimbursement program Personal insurance (auto/homeowners) discounts EEO Statement It is the policy of MSIG USA to provide equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status or any other characteristic protected by federal, state or local law. In addition, MSIG USA will provide reasonable accommodations for qualified individuals with disabilities. #J-18808-Ljbffr MSIG USA