Product Manager

At AssuranceAmerica, we are more than a collection of insurance operations and products — we are a growth-oriented organization committed to innovation, agility, and continuous development. We foster a collaborative environment where associates are empowered to learn, contribute strategically, and make a measurable impact on the business. Our culture values accountability, curiosity, and operational excellence, while providing the opportunity to work alongside approachable leadership in a highly entrepreneurial setting.

This is an opportunity to join a fast-moving organization that is recognized as a leader within the nonstandard auto insurance market. Operating with the agility of a smaller organization while maintaining the sophistication of a multi-state carrier, AssuranceAmerica offers Product professionals the ability to influence meaningful business outcomes, drive innovation, and directly shape market performance. Success in this environment requires a highly analytical, hands-on leader who thrives in ambiguity, embraces ownership, and is motivated by solving complex business challenges in a highly regulated industry.

Job Summary:

As a Product Manager, you will serve as the strategic business owner for your assigned state portfolio, operating with broad responsibility for product performance, market competitiveness, profitability, and growth execution. This role functions similarly to a “General Manager” model within the insurance product space, requiring end-to-end ownership across product development, pricing strategy, regulatory execution, product enhancements, rollout initiatives, and ongoing portfolio management.

You will leverage market analytics, competitive intelligence, profitability trends, and customer insights to develop and execute state-specific strategies designed to drive sustainable, profitable growth while maintaining alignment with evolving customer and regulatory expectations.

In this role, the Product Manager serves as a critical cross-functional leader and strategic connector across the organization. You will partner closely with teams spanning Sales, Marketing, Customer Experience, Claims, Underwriting, IT, Legal/Compliance, and Executive Leadership to influence product direction, prioritize initiatives, improve operational outcomes, and deliver market-responsive insurance solutions. This individual will also work on Renters H-O4.

This position is ideal for a Product professional who enjoys balancing analytics, strategy, execution, and cross-functional leadership while operating at the center of key business decisions within a dynamic Property and Casualty Insurance environment.

• Strategy & Growth: Develop and execute data-driven strategies to achieve profit, growth, and retention targets for auto insurance products within assigned state(s).

• Product Development: Define features, manage the product lifecycle, create specifications, and work with IT along with other business units to achieve successful implementation.

• Pricing & Underwriting: Analyze data to develop and adjust pricing, underwriting guidelines, and coverage plans, balancing innovation with financial soundness.

• Market Analysis: Research market trends, competitor actions, and regulatory changes to ensure products are priced competitively along with identifying opportunities and risks.

• Cross-Functional Collaboration: Partner with Actuarial, Underwriting, Claims, Sales, Marketing, IT, and Legal along with external stakeholders such as agents, vendors and regulators.

• Regulatory Compliance: Develop and manage state rate, rule and form filings along with interacting with State Insurance Departments, and ensure adherence to state regulations.

• Performance Monitoring: Track KPIs for success (loss ratio, retention, growth) and implement corrective actions.

Qualifications:

Required

• Minimum 3 to 5 years’ experience running full P&L over a state or group of states.

• Significant knowledge of filing laws, actuarial principles, rate structures and policy form construction.

• Demonstrate strong analytical skills for data driven decisions.

• Excellent communication and influencing skills.

• Bachelor’s Degree.

Preferred

• Minimum 8 years’ experience running full P&L over a state or group of states.

• Master’s Degree.

• Professional industry designations (e.g. CPCU).

• Actuarial/Pricing background.

Core Competencies:

• Excellent verbal and written communication skills.

• Demonstrated team building and collaboration skills.

• Advanced analytical and spreadsheet skills, including current spreadsheet, database, and word processing software such as Excel, Word, SAS and other software that is deployed by the Company to support the Product Management functions.