Insurance Product and Filing Analyst

Insurance Product And Filing Analyst Location: Houston, TX (Hybrid 4:1) Reports To: VP, Managing Actuary Employment Type: Full time Job Summary The Insurance Product and Filing Analyst is a critical role responsible for coordinating and executing state regulatory filing activities across multiple lines of business. In addition to managing the regulatory filing lifecycle, this position supports insurance product maintenance and development activities by serving as a policy forms subject matter resource and product support partner. This role collaborates closely with Underwriting, Actuarial, IT, and Corporate Compliance to ensure policy forms, endorsements, and related product changes align with underwriting intent, regulatory requirements, and internal governance standards. The position supports the company's growth and profitability objectives through effective state filings execution, form management, and product change support. Key Responsibilities Coordinate state filing processes for assigned products and programs, including Specialty and Commercial Lines, ensuring timely and accurate submission of policy forms, endorsements, rules, and related materials through SERFF (or similar portal) and applicable desk‑filings processes Serve as a subject matter resource on state regulatory filings and policy forms, supporting underwriting and product teams with regulatory guidance and form interpretation Support insurance product lifecycle activities by coordinating filings related to product launches, coverage updates, form revisions, and state expansions Act as a policy forms subject matter expert by assisting with the design, drafting, review, and maintenance of policy forms, endorsements, and notices, including state specific variations Prepare filing documentation and support materials, including form checklists, transmittals, explanatory memoranda, and regulator ready responses to Department of Insurance objections Manage DOI inquiries and objections related to form language by coordinating internal review, drafting responses, proposing alternative language, and tracking approvals and resubmissions Support product and underwriting stakeholders by helping translate underwriting intent into compliant policy language and filing narratives Monitor and interpret state legislation and insurance regulations impacting assigned products and communicate required impacts to underwriting and product teams Support internal product governance by maintaining accurate documentation, tracking approved forms and versions, and ensuring changes are implemented consistently Conduct limited competitor and market form reviews to support form updates, filing strategy, and internal recommendations Assist with rate filing support as needed by coordinating documentation and exhibits related to product changes and form impacts Competencies Planning Execute assigned filing and product support activities according to established timelines and work plans Manage competing priorities while meeting regulatory and business deadlines Communication Communicate clearly and professionally with underwriting, product, compliance, and regulators Prepare accurate, concise regulatory correspondence and internal documentation Cost Management Identify areas for improvement in existing business practices. Perform work thoroughly in a cost‑efficient manner and at a high productivity level. Business Controls and Policies Understand state filings, regulatory compliance, and insurance product lifecycle management, along with practical experience in SERFF processes. Comply with all corporate policies and procedures. Report any breakdowns in controls to management. Conduct all activities in a safe manner. People Management No people management responsibility. Requirements Education Minimum 4 year/bachelor's degree in a related field Experience 0-5 years of experience in standard commercial and personal lines programs of insurance, including coverage concepts, rating procedures, and underwriting philosophies. CPCU preferred but not required. Experience in Policy Form, product development, pricing, or state filings and regulatory compliance is preferred, NOT required. Ability to think strategically and act tactically to advance organizational interests. SERFF Experience. Occasional travel (up to 10% of time) What We Offer Competitive salary and comprehensive medical, vision, and dental benefit package, with eligibility beginning on your date of hire Strong learning culture with ongoing development opportunities Basic life and disability insurance 401(k) plan with 6% company match 20 days of PTO, two floating holidays, approximately 11 paid holidays, and volunteer time off Paid parental leave An opportunity to do meaningful work and love what you do Equal Opportunity Employer TMHCC is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship, color, family or medical care leave, gender identity, genetic information, marital status, medical condition, national origin, physical or mental disability, protected veteran or military status, race, ethnicity, religion, sex (including pregnancy), sexual orientation, or any other characteristic protected by applicable local laws, regulations, and ordinances. #J-18808-Ljbffr Tokio Marine HCC