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
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