Senior Insurance Product Manager

Why Join Stand: At Stand, you’ll help build a new class of global property protection. We use advanced physics and AI to model catastrophic risk at the asset level, then automate underwriting and mitigation before loss occurs. Insurance is simply the current delivery mechanism. The real product is a scalable risk engine.
We stay when traditional insurers exit. We model what others approximate. And we build systems that change outcomes, not just prices.
Background: The property insurance industry is built to price loss after it happens. It relies on coarse proxies, backward-looking data, and manual processes, then accepts damage as unavoidable.
Stand takes a different approach. We simulate how real-world catastrophes affect individual properties, translate that into actionable decisions, and automate the business around it. The result is a platform that can underwrite what others can’t and operate with far less friction.

Why Join Stand: At Stand, you’ll join a mission-driven team redefining insurance through the lens of climate resilience, building a transformative, data-driven insurance model with real-world impact for homeowners and communities on the front lines of climate change.

Role Summary:

We’re looking for a Insurance Product Manager to own and evolve our homeowners insurance products, starting with California and expanding into new states. This role sits at the intersection of underwriting performance, data-driven decision-making, and cross-functional execution.

You’ll translate underwriting results, competitive dynamics, third-party data capabilities, and regulatory constraints into a profitable, scalable, and differentiated homeowners product suite. This is a hands-on role for an operator who thrives in ambiguity, moves quickly, and takes true ownership from strategy through execution.

What You’ll Do:

Own Product Performance & Profitability

• Develop a deep understanding of product performance at the segment level, identifying key risk drivers, underwriting leakage, and unprofitable exposures.

• Translate insights into underwriting rule changes, appetite refinements, and product adjustments that improve loss performance.

• Establish and lead regular performance reviews with underwriting and actuarial partners.

Build a Competitive Coverage Suite

• Evaluate competitor offerings across coverages, deductibles, limits, endorsements, and state-specific constraints.

• Define and evolve the coverage suite required to win in each market while remaining profitable and operationally feasible.

• Identify coverage gaps and sequence them into a clear product roadmap.

Own Third-Party Data Strategy

• Lead selection, integration, and ongoing evaluation of insurance third-party data vendors that support underwriting, pricing, and risk segmentation.

• Ensure external data is effectively leveraged across the quote and underwriting lifecycle to improve accuracy and speed.

• Measure and communicate ROI for each vendor based on predictive lift, operational impact, and cost.

Drive Multi-State Product Expansion

• Own end-to-end product definition and launch for new states, including eligibility rules, coverage forms, mitigation credits, and vendor integrations.

• Clearly document state-specific requirements for actuarial, underwriting, engineering, and applied science teams.

• Ensure product decisions align with pricing, regulatory, and reinsurance constraints—without slowing execution.

Partner with Carriers & External Stakeholders

• Manage relationships with fronting carriers and product partners to ensure coverages, forms, and updates are compliant and approved.

• Drive predictable, low-friction approval cycles through clear documentation and proactive communication.

Lead Cross-Functional Execution

• Collaborate closely with underwriting, actuarial, engineering, and applied science to deliver product changes smoothly and accurately.

• Translate complex product decisions into clear requirements and documentation for engineering and QA.

• Ensure production behavior matches filed and intended product design.

What You Bring

Required Experience & Skills:

• 8 - 12+ years of Insurance product management or product development experience, ideally in P&C insurance.

• Strong understanding of homeowners insurance products, underwriting rules, and coverage structures.

• Demonstrated ability to use performance data to drive concrete product and underwriting decisions.

• Experience working cross-functionally with actuarial, underwriting, and engineering teams.

• Excellent written and verbal communication skills, with high documentation discipline.

Experience That Gives You an Edge

• Experience with E&S markets, high-volatility perils, or property-catastrophe products.

• Exposure to multi-state insurance product builds and launches.

• Familiarity with third-party data integrations (hazard scores, geospatial data, inspections, etc.).

• Prior work with MGAs, fronting carriers, or insurance partnerships.

How you'll thrive:

• You think like an owner: you identify gaps, set priorities, and act without waiting for direction.

• You balance actuarial rigor with underwriting pragmatism and market realities.

• You’re comfortable making decisions amid uncertainty and evolving signals.

• You thrive in fast-moving environments where products must adapt quickly.

What This Role Is Not:

This role is not a passive requirements manager. It’s not for someone who prefers slow, rigid processes or narrow ownership. Success requires comfort managing multiple states, vendors, and stakeholders simultaneously, with accountability for real-world product performance.

Compensation:

The annual base salary range for full-time employees in this position is $150,000 to $210,000 + meaningful Equity Grant.
Compensation decisions are dependent on several factors including, but not limited to, an individual’s qualifications, location where the role is to be performed, internal equity, and alignment with market data.

Benefits:

• Above-market Health, Dental, and Vision coverage

• Weekly lunch stipend

• Flexible time off + holidays

• 401(k) plan

• Commuter benefits

• Short-Term and Long-Term Disability

• Monthly team gatherings

• In-office perks

Work Authorization

Candidates must be authorized to work in the U.S. Stand does not sponsor new work visas. We can consider candidates on TN visas, O-1A visas, or H-1B transfers with three years or more remaining.

Equal Opportunity Employment

Stand is an equal opportunity employer and does not discriminate on the basis of protected veteran status, disability, or other legally protected status. We believe that diversity enriches the workplace, and we are committed to growing our team with the most talented and passionate people from every community.

We are committed to providing reasonable accommodations for qualified individuals. If you require assistance

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.