Senior Product Analyst, Coverage & Forms

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

📋 Description

• Draft, revise, and maintain policy coverage forms, endorsements, customer notices, and other insurance-related documents.

• Develop coverage and benefit language that aligns with actuarial pricing, underwriting guidelines, business objectives, and customer needs.

• Assist in formulating and implementing strategies for insurance products, coverage, and forms.

• Create coverage comparisons and competitive analyses for product improvements and regulatory submissions.

• Enhance coverage language, policy forms, underwriting guidelines, and associated documentation.

• Ensure that policy forms and coverage language adhere to state regulations, statutes, and filing requirements.

• Prepare documentation for filings and assist with regulatory submissions as well as inquiries from the Department of Insurance.

• Validate form revisions utilizing compliance tools and regulatory resources.

• Maintain controls, documentation standards, and workflow processes for the development and implementation of forms.

• Collaborate with stakeholders from Product, Underwriting, Actuarial, Compliance, Legal, Operations, and Managing General Agents (MGA).

• Lead discussions with stakeholders, gather input, build consensus, and secure approvals for changes in coverage and forms.

• Present recommendations, analyses, and project updates to business leaders and cross-functional teams.

• Act as a subject matter expert for inquiries related to coverage, forms, and underwriting.

• Support the development and implementation of underwriting guidelines, procedures, and controls.

• Conduct impact assessments concerning changes in coverage, forms, and underwriting.

• Provide underwriting insights on complex, escalated, large loss, fraud, or unique coverage scenarios.

• Identify underwriting or coverage risks and propose enhancements.

• Manage project timelines, deliverables, and implementation tasks for revisions to coverage and forms.

• Facilitate testing, validation, and implementation of form changes within quoting, issuance, rating, and policy administration systems.

• Develop communications, training materials, procedural documentation, and resources for stakeholders.

• Maintain documentation and version control standards across forms and underwriting materials.

⛳️ Requirements

• Over 5 years of experience in the insurance industry, focusing on coverage development, policy forms, underwriting, product management, compliance, or a related field.

• Proven experience in drafting, revising, and maintaining insurance policy language and coverage forms.

• Familiarity with insurance regulatory requirements and state filing processes.

• Demonstrated ability to manage multiple projects and timelines concurrently.

• Strong analytical, organizational, and documentation abilities.

• Preferred experience in Property & Casualty, Pet Insurance, Specialty Insurance, or Personal Lines insurance.

• Preferred experience with product filings and submissions to the Department of Insurance.

• Preferred experience in supporting the development and implementation of underwriting guidelines.

• Preferred experience in conducting competitive coverage reviews and product comparisons.

• Preferred knowledge of veterinary terminology, animal health concepts, or pet insurance products.

• An Associate's Degree with relevant industry experience, an equivalent combination of education and experience, or certification as a Certified Veterinary Technician (CVT) or Registered Veterinary Technician (RVT).

• Strong attention to detail and a commitment to accuracy.

• Excellent written communication and policy drafting capabilities.

• Ability to align regulatory requirements with business objectives.

• Strong collaboration and stakeholder management skills.

• Sound judgment and problem-solving abilities.

• Capability to work independently while managing multiple priorities.

• Intellectual curiosity and a mindset focused on continuous improvement.

• Produce high-quality, well-reasoned work products and take ownership of deliverables.

🏝️ Benefits

• Comprehensive full medical, dental, and vision insurance.

• Basic Life Insurance at no cost to the employee.

• Company-paid short-term and long-term disability.

• 12 weeks of 100% paid Parental Leave.

• Health Savings Account (HSA).

• Flexible Spending Accounts (FSA).

• Retirement savings plan.

• Personal Paid Time Off.

• Paid holidays and a company-wide Wellness Day off.

• Paid time off to volunteer at nonprofit organizations.

• Pet-friendly office environment.

• Commuter Benefits.

• Group Pet Insurance.

• On-the-job training and skills development.

• Employee Assistance Program (EAP).