Manager, Product and Underwriting

SafetyCulture

Manager, Product and Underwriting for SafetyCulture Care, building insurance products and leading underwriting decisions in a hybrid role.

Posted 6/22/2026full-timeKansas City • Kansas, Montana • 🇺🇸 United StatesMid-LevelSeniorWebsite

Tech Stack

Tools & technologies

C++

About the role

Key responsibilities & impact

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

Requirements

What you’ll need

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

Benefits

Comp & perks

Health insurance
Flexible work arrangements

ATS Keywords

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Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

underwriting decisionsproperty insurance programsCAT strategyreinsurance structuresportfolio pricingpolicy forms developmentpricing strategyrisk assessmentanalytical abilityrating automation

Soft Skills

ownershipcommercially mindedconstructive communicationclear communicationadaptabilityproblem-solvingcollaborationtechnical authoritynegotiationcritical thinking

Certifications

CPCUARMASLIAUP&C licensesurplus lines licensing