Lighthouse Risk · 4 days ago
Commercial Property Product Manager, Insurance
Greater Tampa Bay Area
Full-time
Onsite
Mid Level
3+ years expLighthouse Risk is seeking a Commercial Property Product Manager to join their team. This role involves leading the product function for their commercial property product suite, focusing on technical and analytical tasks, including managing rating tools and collaborating with underwriting leadership.
Insurance
Responsibilities
Build, maintain, and optimize Excel raters and rating logic for all states and property segments
Implement pricing adjustments and rating model updates based on market conditions, limited data, competitive forms, and emerging loss drivers
Work hands-on with SQL, Python (or similar tools) to perform analyses, validate rating outputs, and support underwriting decisions
Collaborate with underwriting leadership to convert qualitative risk insights into quantitative rating changes
Evaluate market forms, emerging industry changes, and loss trends to drive rapid updates to policy forms and endorsements
Draft, refine, and version new forms with agility—focused on real-world risk issues and competitive needs rather than regulatory compliance
Ensure form changes align with underwriting appetite and system logic
Work closely with our systems lead, engineering/vendor partners, and rating platform to ensure rating logic is built correctly and efficiently
Validate end-to-end product workflows: rating, quoting, binding, policy issuance, and document generation
Troubleshoot discrepancies and ensure system outputs match intended product design
Explore, evaluate, and implement new data sources (property intelligence, risk scores, hazard models, CAT data, third-party data providers)
Develop structured approaches for testing data utility and integrating insights into rating, underwriting rules, and workflows
Partner with underwriting, systems, and analytics to enhance automation and decision accuracy
Work with underwriting leaders to understand appetite and convert vision into executable product rules
Support distribution strategy by providing product clarity, training, and competitive differentiators
Ensure product changes are communicated clearly and documented appropriately
Qualification
Required
3+ years of experience in P&C insurance product, actuarial, or related analytical roles—E&S or commercial property strongly preferred
Prior experience in an MGA or startup environment
Experience with third-party property data providers and risk scoring models
Familiarity with catastrophe models and commercial property hazard datasets
Experience working in an environment with limited hierarchy and high ownership responsibility
Advanced proficiency with Excel, including complex rating logic, lookup structures, macros, and scenario modeling
Practical experience writing and using SQL; strong data manipulation and validation skills
Proficiency with Python (or R/other statistical programming languages) for data analysis and experimentation
Demonstrated understanding of statistical concepts (credibility, trends, correlation, segmentation, distributions)
Direct experience working with policy forms and endorsements; ability to analyze and adapt forms quickly
Experience collaborating with systems/technology teams on rating engines, product builds, or insurance platforms
Comfort making judgment-based decisions with imperfect data in a fast-moving environment
Company
Lighthouse Risk
Backed by leading capacity partners and powered by Franklin Street’s integrated real estate platform, Lighthouse combines proprietary data, advanced analytics, and underwriting expertise to deliver stable, profitable results across multifamily, retail, lessors’ risk, and hospitality classes.
2-10 employees
Funding
Current Stage
Early StageCompany data provided by crunchbase