Insurance Product Manager, Excess & Surplus Lines

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. Responsibilities 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 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 #J-18808-Ljbffr Safetyculture 2