VP, Head of Property overseeing P&L and market strategy for Property insurance in Belgium & Netherlands. Leading underwriting excellence and team development within Sompo's framework.
About the role
- VP of Personal Lines providing strategic leadership and operational growth for the insurance division. Overseeing underwriting, product, and distribution while enhancing customer experience and profitability.
Responsibilities
- The Vice President (VP) – Personal Lines provides strategic and operational leadership for the Personal Lines (PL) division, with full accountability for growth, profitability, and overall portfolio performance.
- This role sets the strategic direction and delivers profitable growth across auto, homeowners, umbrella, and other personal lines through disciplined underwriting, market-responsive products and pricing, strong distribution partnerships, and operational excellence.
- Leads a cross-functional team spanning underwriting, product, pricing/actuarial partnerships, filing/compliance, operations, and analytics to achieve profitability, retention, new business and growth goals while advancing customer experience and digital capabilities.
- Define and execute a multi‑year PL strategy that balances growth, profitability, and volatility management; own the PL operating plan, including premium, loss ratio, expense ratio, and combined ratio targets.
- Establish risk selection, appetite guides, authority levels, audit cadence, and referral frameworks; strengthen line‑of‑business portfolio management and accumulation controls.
- Lead product roadmaps, coverage forms, pricing segmentation, customer segmentation, and rate/relativity strategies; partner closely with Actuarial for indications and with Compliance on state filings; understand and integrate consumer economic factors around longevity and elasticity (lifetime value) into product strategy.
- Deepen relationships with key independent agents; set compensation, incentives, and ease‑of‑doing‑business standards; drive geographic expansion and appointment strategy.
- Optimize new business, renewal, and endorsement workflows; reduce cycle times and rework; champion straight‑through processing and enhance customer service capabilities through expansion of digital, self‑service, and AI-enabled tools.
- Build, lead, and develop a high-performing leadership bench; attract, retain and mentor underwriting and product talent.
Requirements
- 12+ years in Personal Lines with progressive leadership spanning underwriting and product/pricing; proven multi‑state experience.
- Demonstrated P&L leadership with successful track record executing strategy and improving combined ratio while growing profitably.
- Depth in product design, rating/segmentation (including telematics/UBI), state filings, and regulatory engagement.
- Strong agency/distribution acumen and change leadership across operations and technology.
- Executive‑level communication, influencing, and decision‑making; building followership and cross‑functional alignment.
- Strategic mindset with strong analytical abilities and a focus on continuous improvement.
- Proficiency with policy/rating platforms and business intelligence tools; data‑driven decision maker.
- Bachelor’s degree required; Master’s Degree (MBA, MS Analytics, etc.) preferred.
- Designations: CPCU preferred; additional insurance/analytics credentials a plus.
Benefits
- Medical & Prescription Insurance
- Health Savings Account
- Dental Insurance
- Vision Insurance
- Short and Long Term Disability
- Flexible Spending Accounts
- Life and Accidental Death & Disability
- Accident and Critical Illness Insurance
- Employee Assistance Program
- 401(k) Plan with Company Match
- Pet Insurance
- Paid Time Off . Standard first year PTO is 17 days , pro-rated based on month of hire.
- Enhance d PTO may be available for experienced candidates
- Bonus eligible based on performance
Job title
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VP, Head of Distribution developing and expanding client and broker relationships for Sompo in Belgium & Netherlands. Collaborating with senior management to drive profitable growth and market strategies.
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