Job Title: Vice President, P&C State Product Management
Location: Remote
Position Summary
The Vice President, P&C State Product Management leads the state-level strategy, performance, and execution for the company’s Personal Lines Auto and Home portfolio across 44 states. This role holds direct accountability for state-level P&L outcomes and drives profitable growth through coordinated actions across pricing, underwriting, rules, forms, segmentation, and portfolio management.
Partnering closely with Pricing/Actuarial, Underwriting, Claims, Distribution, Regulatory, Finance, and Technology, this leader translates performance insights into executable state strategies that improve loss ratios, drive growth, and enhance market competitiveness while ensuring regulatory alignment and operational readiness.
Key Responsibilities
State P&L Leadership & Strategy
- Own profit and growth performance for Personal Lines Auto and Home across 44 states.
- Develop and execute state-specific strategies to achieve target loss ratios, retention, growth, and expense objectives.
- Diagnose performance drivers using internal data and external market intelligence, translating insights into actionable strategies.
- Establish portfolio guardrails and ensure disciplined underwriting and segmentation strategies.
Rate, Rule & Form Execution (in partnership with Pricing/Actuarial)
- Partner with Pricing and Actuarial teams to shape rate indications and state-level pricing strategies.
- Lead the end-to-end rate, rule, and form filing agenda, including proposal development, cross-functional alignment, regulatory submission coordination, and objection management.
- Ensure alignment among pricing strategy, underwriting appetite, claims insights, and operational capabilities.
- Build and maintain strong relationships with state Departments of Insurance.
Portfolio & Risk Management
- Monitor and manage portfolio mix, catastrophe exposure, geographic concentration, and emerging risk trends.
- Identify and implement corrective actions when performance deviates from plan.
- Drive disciplined new business growth aligned with profitability targets.
Cross-Functional Execution Leadership
- Lead the implementation of product changes across Technology, Operations, Distribution, Marketing, and Customer Experience teams.
- Ensure system readiness, field communication, training, and performance monitoring plans are in place.
- Establish a rigorous operating cadence including state performance reviews, action tracking, filing calendars, and post-implementation measurement.
Competitive & Market Positioning
- Maintain a strong understanding of competitor pricing, underwriting posture, coverage positioning, and distribution dynamics.
- Recommend strategic actions to strengthen competitiveness while protecting margins.
- Partner with Distribution leadership to align product strategy with field execution.
Organizational Leadership
- Lead and develop a high-performing team of state product leaders and managers.
- Establish consistent governance, best practices, and performance management across the state portfolio.
- Build organizational capability, leadership bench strength, and succession pipelines.
Success Measures
- Improvement in state-level loss ratio and combined ratio.
- Achievement of rate earned and profitability targets.
- Retention, new business growth, and portfolio mix management outcomes.
- Filing approval cycle times and regulatory effectiveness.
- Execution quality and operational readiness.
- Team engagement and talent development.
Qualifications
Required
- 10+ years of progressive leadership experience in Personal Lines insurance.
- Demonstrated success managing multi-state product portfolios with direct P&L accountability.
- Deep understanding of rate, rule, and form filings and state regulatory environments.
- Proven ability to translate analytics into actionable strategy in partnership with Pricing/Actuarial teams.
- Strong cross-functional leadership experience across Underwriting, Claims, Distribution, and Technology.
- Bachelor’s degree or equivalent experience.
- Ability to travel 35% - 50%
Preferred
- Experience leading large-scale, multi-state portfolio transformation initiatives.
- Proven success in both profitability remediation and growth acceleration strategies.
- CPCU designation or advanced degree (MBA or similar).
- Experience working within both captive agent and direct-to-consumer distribution models.
Leadership Profile
- Enterprise mindset with disciplined P&L ownership.
- Strong regulatory credibility and negotiation capability.
- Analytical rigor combined with a bias for action.
- Operational awareness to understand downstream impacts of product decisions.
- Strong executive presence and ability to influence across all organizational levels.
- People-focused leader committed to accountability, development, and team performance.
Salary Range: $210,000 to $250,000 (with bonus eligibility)
Horace Mann was founded in 1945 by two Springfield, Illinois, teachers who saw a need for quality, affordable auto insurance for teachers. Since then, we’ve broadened our mission to helping all educators protect what they have today and prepare for a successful tomorrow. And with our broadened mission has come corporate growth: We serve more than 4,100 school districts nationwide, we’re publicly traded on the New York Stock Exchange (symbol: HMN) and we have more than $12 billion in assets.
We’re motivated by the fact that educators take care of our children’s future, and we believe they deserve someone to look after theirs. We help educators identify their financial goals and develop plans to achieve them. This includes insurance to protect what they have today and financial products to help them prepare for their future. Our tailored offerings include special rates and benefits for educators.
EOE/Minorities/Females/Veterans/Disabled. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status
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