Associate State Manager, Commercial Lines

Associate State Manager, Commercial Lines Worcester, MA, USA Job Description Posted Monday, April 6, 2026 at 4:00 AM For more than 170 years, The Hanover has been committed to delivering on our promises and being there when it matters the most. We live our values every day, demonstrating we CARE through our values, Sustainability initiatives and inclusive corporate culture . This is a full-time, exempt role. This role is eligible for a fully remote arrangement. Overview/Summary This position assists in the development, implementation, and management of pricing and distribution plans for assigned states which have significant strategic and financial importance to the enterprise. Working directly with the both the State Manager and distribution arm of the organization, the Associate State Manager aggressively collaborates in the development, execution and monitoring of operating plans resulting in CLobjectives, including the areas of combined ratio, revenue growth, regulatory management, and legal compliance. Responsibilities/Essential Functions Analyze industry, geographic, account composition and LOB toidentifytrends within your assigned territory in the following areas: Loss Ratio, Production, Portfolio, Flow, Pricing & Retention, etc. Coordinate,facilitateand lead communication of findings and recommendations, underwriting philosophies, financial results and product information to State Manager, RVP, UW Managers,RSDand other Home Office organization leaders across the enterprise. Make recommendations for follow-up analysis Partner with State Manager to develop key metrics for success, and report monthly / quarterly on progress to the Commercial Lines operating plan and associated long term strategic goals Develop, implement, and manage operating plans for assigned states, including long term state strategies, pricing and volume plans designed to meet or exceed Commercial Lines objectives Analyze and shaping blocks of business acrossgeography, agency,timeand characteristics for potential consolidation deals Understand how source data impacts reporting and analysis while working with analysts across the business. Searches out,identifiesand implements best practices for continuous improvement of the team’s analytical capabilities Develop an in-depth knowledge of state markets and key competitors by product line and integrate the insights to support businessstrategies Complete ad hoc requests for stakeholders across the enterprise ina timelyfashion. Effectively manage time and multiple priorities Provideindependent insights and thought partnership with Field and HO leadership on driving strategy for assigned territory Ownership of rate reviews, including leading the preparation of small state filings, follow up analysis, as well as contribution to assessing competitive position and opportunity Coach and mentor team members Own the overall management of smaller states Proactively perform projects/analysis that requires knowledge of advanced financial concepts and methods Develop a broad base of industry knowledge and current economic and business trends Acts as a change agent and effectively focuses the resources during times of transition and change Required Skills, Key Competencies and Experience Business and financial acumen Excellent interpersonal skills with the ability to work in a team environment Results oriented/Self starter, able to proactivelyanticipateand guide one’s own workload Expansive knowledge and understanding of the insurance industry and all SC products and state nuances Willingness to ask questions and be inquisitive Willingness to learn and understand the insurance industry Ability to communicate effectively with all levels and audiences and influence without authority across various disciplines (Field/Finance/Actuarial/etc.) Consistentlydemonstratinganalytical, problem solving, decisionmakingand negotiation skills. Able to not only compile and synthesize data,demonstratedability to apply judgment to interpret and draw out findings from analysis and reporting Ability to create own work based onidentifiedneeds of the territory and complete without oversight Can use a wide range of toolsand techniques to gather and compile data Comprehensive working knowledge or core State Management practices like rate reviews, rate adequacy, mix monitoring, planning & forecasting, etc. Ability toleveragenetworks and relationships within and outside of functional area to complete work Ability to perform duties withvery limited/no oversight Ability to draw conclusions and communicate findings & recommendations in a concise manner Typically 2 to 5 years commercial or personal lines insurance experience managing a state operating plan. Absent direct commercial or personal lines insurance experience, MBA plus 5 to 8 years broad based experience in financial services Career Development It’s not just a job, it’s a career, and we are here to support you every step of the way. We want you to be successful and fulfilled. Through on-the-job experiences, personalized coaching and our robust learning and development programs, we encourage you – at every level – to grow and develop. Benefits We offer comprehensive benefits to help you be healthy, build financial security, and balance work and home life. At The Hanover, you’ll enjoy what you do and have the support you need to succeed. Benefits include: Medical, dental, vision, life, and disability insurance 401K with a company match PTO Cultural Awareness Day in support of IDE On-site medical/wellness center (Worcester only) Equal Opportunity Employer The Hanover values diversity in the workplace and among our customers. The company provides equal opportunity for employment and promotion to all qualified employees and applicants on the basis of experience, training, education, and ability to do the available work without regard to race, religion, color, age, sex/gender, sexual orientation, national origin, gender identity, disability, marital status, veteran status, genetic information, ancestry or any other status protected by law. Furthermore, The Hanover Insurance Group is committed to providing an equal opportunity workplace that is free of discrimination and harassment based on national origin, race, color, religion, gender, ancestry, age, sexual orientation, gender identity, disability, marital status, veteran status, genetic information or any other status protected by law.” As an equal opportunity employer, Hanover does not discriminate against qualified individuals with disabilities. Individuals with disabilities who wish to request a reasonable accommodation to participate in the job application or interview process, or to perform essential job functions, should contact us at: View email address on click.appcast.io and include the link of the job posting in which you are interested. Applicants who are California residents To see the types of information we may collect from applicants and employees and how we use it, please click here . Privacy Policy To view our privacy policy and online privacy statement, click here . Compensation The target hiring range for this role may vary based on geographic location and other factors, including merit or performance, demonstrated proficiency, skills for the role, education, travel requirements, and experience. Additional compensation may include an annual bonus (which could take the form of a general bonus, sales incentive, or short-term incentive), long-term incentive or spot recognition awards. The posted range reflects our ability to hire at different position titles and levels depending on background and experience. #J-18808-Ljbffr Hanover Insurance Company