Program Lead, Insurance

This is a fully remote position, open to applicants in United States.

📋 Description

• Develop and manage the specialty program portfolio.

• Define the program strategy and build relationships with program administrators, MGA agents, and other sourcing partners.

• Lead each new program from initial concept through to launch and growth, ensuring accountability for profitability.

• Identify and secure significant program opportunities within commercial property and casualty sectors.

• Assess opportunities based on market size, loss history, distribution capabilities, and alignment with risk appetite.

• Facilitate executive-level negotiations regarding commissions, profit sharing, underwriting authority, and multi-year contract terms.

• Oversee program business plans, premium forecasts, and loss-ratio targets, presenting these to carriers and the board.

• Establish program appetite, guidelines, rating structures, and authority levels in collaboration with underwriting and actuarial teams.

• Supervise due diligence, contract execution, regulatory filings, and implementation across legal, compliance, product, and operational teams.

• Manage the program portfolio's P&L, including written premiums, loss ratios, profit sharing, and expenses.

• Conduct executive business reviews with partners and carriers, addressing any performance discrepancies.

• Foster expansion into new geographic areas, adjacent business lines, and additional coverage offerings.

• Recruit, mentor, and guide program managers and business development personnel.

• Represent the company in the program market at panel discussions and industry events.

• Provide insights to the executive team on competitor activities, market capacity, pricing trends, strategic partnerships, and M&A opportunities.

⛳️ Requirements

• 15+ years of experience in commercial property and casualty insurance.

• A minimum of 8 years dedicated to program business within an MGA, program administrator, carrier program unit, or wholesale brokerage.

• Proven success in launching and scaling multiple programs, demonstrating premium growth and favorable loss ratios.

• Established senior-level relationships with insurance carriers, fronting carriers, reinsurers, and program administrators.

• Proven experience managing P&L for a program or portfolio, including budget management and meeting profitability objectives.

• Extensive knowledge of commercial property coverage, risk assessment, and underwriting guidelines.

• Executive-level negotiation expertise in structuring program agreements, capacity commitments, and profit-sharing arrangements.

• Demonstrated experience in recruiting, managing, and leading program, underwriting, or business development teams.

• Proactive approach with a strong commitment to personally sourcing and closing deals.

• Willingness to travel 30% to 40%.

• Active P&C license is preferred.

• Professional designations such as CPCU, CIC, or ARM are advantageous.

• Involvement in boards or committees for TMPAA, AAMGA, or similar industry associations is a plus.

• Experience in a high-growth environment is a plus.

• Successful completion of a general and criminal background check is required for employment.

• Must have authorization to work in the United States.

• Must not require visa sponsorship to continue employment in the United States.

🏝️ Benefits

• Fully AI-enabled platform.

• Support from a dedicated engineering team.

• Assistance from an actuarial and insurance product department.

• Fully integrated claims function.