Insurance Product Manager

Location: Waltham, MA or Palo Alto, CA (hybrid)

ERGO NEXT's mission is to help entrepreneurs thrive. We’re doing that by building the only technology-led, full-stack provider of small business insurance in the industry, taking on the entire value chain and transforming the customer experience. 

Simply put, wherever you find small businesses, you’ll find ERGO NEXT.

Since 2016, we’ve helped hundreds of thousands of small business customers across the United States get fast, customized and affordable coverage. We’re backed by industry leaders in insurance and tech, and we still have room to grow — that’s where you come in.

We're inviting an experienced and strategic Insurance Product Manager to join our Casualty team.  This is a highly visible and cross-functional position focused on delivering and managing best-in-class products across a broad range of business classes. You will shape appetite, pricing, and underwriting rules, and play a key role in helping NEXT expand its platform to serve more complex small businesses. If you get excited about understanding & redesigning pricing, love thinking about risk, and want to work on initiatives that will have a real impact on the industry and the customer - we’d love to talk to you!

What You’ll Do:

• Own ongoing management of our commercial Casualty products, including coverage, pricing, underwriting logic, segmentation, and regulatory compliance.
• Execute pricing and underwriting improvements by refining appetite, rating plans, forms, and risk selection based on loss drivers and portfolio performance.
• Partner with Engineering and Technical Product to translate business priorities into shipped product and pricing changes.
• Support product filings, working with Actuarial and Compliance to bring updates to market.
• Analyze product and portfolio performance, identify improvement opportunities, and drive measurable impact on growth and loss ratio.
• Conduct competitive and market research, incorporating customer and agent feedback into actionable product enhancements.
• Partner cross-functionally with Actuarial, Data Science, Claims, Legal, and Operations to align execution with underwriting and profitability goals.
• Communicate product updates and performance clearly to leadership and key internal and external stakeholders.

What We Need: 

• 5+ years of Commercial General Liability insurance and/or BOP product management, underwriting, actuarial, or risk management; Excess Casualty experience is a major plus.  
• Proven experience in using data driven methods in decision making and strong analysis skills
• Experience optimizing and pricing casualty products using data, modeling, and loss ratio analysis
• Comfortable with ambiguity, creative in building solutions, and rigorous in execution
• Clear, structured communication skills for both technical and non-technical leadership audiences
• Highly organized and capable of managing multiple workstreams across multiple functions
• BA/BS degree; advanced degree (MBA, MS) or insurance certifications (e.g., CPCU) are a plus

The range displayed on this job posting reflects the minimum and maximum target for new hire base salaries for the position in the location(s) listed. Within the range, individual pay is determined by additional factors, including, without limitation, job-related skills, experience, and relevant education or training. ERGO NEXT employees are also potentially eligible for our annual performance-based incentive program, in addition to our benefits package, consisting of our partially subsidized medical plan, fully subsidized vision/dental options, life insurance, disability insurance, 401(k), flexible paid time off, parental leave and more.

US annual base salary range for this full-time position:

Waltham, MA: $127,000 - $171,000

Palo Alto, CA: $141,000 - $191,000

Note on Fraudulent Recruiting _We have become aware that there may be fraudulent recruiting attempts being made by people posing as representatives of ERGO NEXT Insurance. These scams may involve fake job postings, unsolicited emails, or messages claiming to be from our recruiters or hiring managers. 

Please note, we do not ask for sensitive information via chat, text, or social media, and any email communications will come from the domain @next-insurance.com or @nextinsurance.com. Additionally, Next Insurance will never ask for payment, fees, or purchases to be made by a job applicant. All applicants are encouraged to apply directly to our open jobs via the careers page on our website. Interviews are generally conducted via Zoom video conference unless the candidate requests other accommodations. 

If you believe that you have been the target of an interview/offer scam by someone posing as a representative of Next Insurance, please do not provide any personal or financial information. You can find additional information about this type of scam and report any fraudulent employment offers via the Federal Trade Commission's website (https://consumer.ftc.gov/articles/job-scams), or you can contact your local law enforcement agency._   

Don’t meet every single requirement? Studies have shown that some underrepresented people are less likely to apply to jobs unless they meet every single qualification. At ERGO NEXT, we are dedicated to building a diverse, inclusive and respectful workplace, so if you’re excited about this role but your past experience doesn’t align perfectly with every qualification in the job description, we encourage you to apply anyways. You may be just the right candidate for this or other roles.

One of our core values is 'Play as a Team'; this means making sure everyone has an equal chance to participate and make a difference. We win by playing together. ERGO Next Insurance is an equal opportunity employer and prioritizes building a diverse and inclusive workplace. We provide equal employment opportunities to all employees and applicants of any type and do not discriminate based on race, color, religion, national origin, gender, age, sexual orientation, physical or mental disability, genetic information or characteristic, gender identity and expression, veteran status, or other non-job-related characteristics or other prohibited grounds specified in applicable federal, state, and local laws. ERGO Next's policy is to comply with all applicable laws related to nondiscrimination and equal opportunity and will not tolerate discrimination or harassment based on any of these characteristics. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.