Job Overview
Location
Seattle
Job Type
Full-time
Category
Product Management
Date Posted
May 26, 2026
Full Job Description
đź“‹ Description
- • Own end-to-end development and evolution of homeowners insurance products, starting in California and expanding into new states, with accountability for profitability, loss performance, and market competitiveness.
- • Analyze segment-level product performance to identify key risk drivers, underwriting leakage, and unprofitable exposures, then translate insights into actionable underwriting rule changes and product adjustments.
- • Lead regular performance reviews with underwriting and actuarial teams to align product strategy with financial outcomes and risk exposure.
- • Evaluate competitor offerings across coverages, deductibles, limits, endorsements, and state-specific regulatory constraints to define and refine a differentiated, profitable coverage suite.
- • Identify coverage gaps and sequence them into a clear, prioritized product roadmap that balances market demand with operational feasibility and regulatory compliance.
- • Lead the selection, integration, and ongoing evaluation of third-party data vendors (e.g., hazard scores, geospatial data, inspections) to enhance underwriting accuracy, pricing precision, and risk segmentation.
- • Measure and communicate ROI for each data vendor based on predictive lift, operational efficiency gains, and cost impact across the quote and underwriting lifecycle.
- • Own end-to-end product definition and launch for new states, including eligibility rules, coverage forms, mitigation credits, and vendor integrations, ensuring alignment with pricing, regulatory, and reinsurance constraints.
- • Document state-specific product requirements clearly for actuarial, underwriting, engineering, and applied science teams to enable accurate implementation and compliance.
- • Manage relationships with fronting carriers and product partners to secure timely approval of coverage forms, updates, and filings, driving low-friction approval cycles through proactive communication and documentation.
- • Collaborate cross-functionally with underwriting, actuarial, engineering, and applied science teams to translate complex product decisions into clear, actionable requirements for engineering and QA.
- • Ensure production product behavior matches filed designs and intended functionality, maintaining fidelity between regulatory filings and live product execution.
- • Operate with full ownership in ambiguous, fast-moving environments, setting priorities and acting without waiting for direction while balancing actuarial rigor with underwriting pragmatism and market realities.
- • Maintain high documentation discipline across all product decisions, requirements, and stakeholder communications to enable scalability and auditability.
- • Avoid passive requirements management; instead, drive execution with accountability for real-world product performance across multiple states, vendors, and stakeholders simultaneously.
🎯 Requirements
- • 8–12+ years of Insurance product management or product development experience, ideally in P&C insurance
- • Strong understanding of homeowners insurance products, underwriting rules, and coverage structures
- • Demonstrated ability to use performance data to drive concrete product and underwriting decisions
- • Experience working cross-functionally with actuarial, underwriting, and engineering teams
- • Excellent written and verbal communication skills, with high documentation discipline
- • Experience with E&S markets, high-volatility perils, or property-catastrophe products
🏖️ Benefits
- • Above-market Health, Dental, and Vision coverage
- • Weekly lunch stipend
- • Flexible time off + holidays
- • 401(k) plan
- • Commuter benefits
- • Short-Term and Long-Term Disability
- • Monthly team gatherings
- • In-office perks
Skills & Technologies
Product Management
Senior
Onsite
About Stand Insurance Company
Stand Insurance Company is a digital-first insurer offering personal and small-business coverage. Its mobile app enables on-demand policies, instant claims, and flexible billing. Lines include renters, pet, event, and professional liability insurance, underwritten by admitted carriers. Data-driven pricing and AI chat support target millennials and freelancers seeking transparent, low-friction protection. Based in San Francisco and licensed in 50 states, the carrier operates on a managing general agency model, partnering with regulated reinsurers to maintain statutory capital. Founded in 2018, it has raised Series B funding and maintains an A.M. Best outlook of stable.
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