State Manager – Personal Lines

Arbella Insurance Group

. Develop and execute state-specific strategies and operating plans to achieve growth, profitability, retention, and market share objectives .

Posted 9/25/2026full-timeQuincy • Massachusetts • United StatesMid-LevelSenior💰 $140,000 - $160,000 per yearWebsite

About the role

Key responsibilities & impact

Develop and execute state-specific strategies and operating plans to achieve growth, profitability, retention, and market share objectives
Monitor assigned state performance, identify opportunities and risks, and recommend strategic actions
Evaluate rate needs, pricing indications, competitor activity, loss trends, regulatory considerations, and financial impacts
Analyze products, pricing, and profitability to develop and implement pricing strategies
Build product strategies supporting pricing and non-pricing decisions, product enhancements, coverages, forms, underwriting rules, rating variables, discounts, surcharges, and eligibility guidelines
Partner with senior management to define product requirements, implement changes, and introduce products to the marketplace
Manage Department of Insurance filings, filing strategies, documentation, objection responses, timelines, and regulator relationships
Ensure product changes comply with laws and regulations and maintain accurate documentation
Develop and maintain state-level business plans, forecasts, and strategic proposals
Monitor premium and expense performance, identify trends and variances, and recommend actions for profitable growth
Analyze internal and external data and translate findings into actionable recommendations
Partner with data analysts to identify reports, dashboards, and performance monitoring tools
Monitor market conditions, competitor actions, regulatory developments, and economic conditions
Conduct competitive analyses and market assessments and identify implications for product strategy
Collaborate with Underwriting, Operations, IT, Sales & Marketing, Claims, Finance, Legal, and Actuarial to implement state actions, product changes, communications, and process improvements
Build credibility, drive alignment, and influence state, pricing, filing, and product priorities across departments

Requirements

What you’ll need

Five or more years of progressively responsible property and casualty insurance experience preferred
Experience in Personal Lines product management, pricing, underwriting, actuarial, regulatory filings, finance, or business analysis preferred
Experience managing or supporting state-level insurance performance, rate indications, product changes, and Department of Insurance filings strongly preferred
Industry designations such as CPCU, API, AINS, or equivalent insurance coursework are a plus
Bachelor's degree in Business, Finance, Economics, Math, Actuarial Science, Insurance, or related field preferred
Strong knowledge of property and casualty insurance, Personal Lines products, pricing, regulatory filings, and state-specific insurance requirements
Demonstrated analytical skills with the ability to interpret financial, actuarial, product, and operational data
Ability to develop business plans, forecasts, proposals, recommendations, and executive-level presentations
Strong understanding of premium, loss, expense, profitability, and growth drivers
Excellent written and verbal communication skills, including the ability to explain complex pricing, product, and regulatory concepts clearly
Strong organizational skills with the ability to manage multiple priorities, deadlines, filings, and projects simultaneously
Ability to collaborate effectively across departments, build strong working relationships, and influence outcomes without direct authority
Demonstrated ability to lead through influence by facilitating discussion, resolving competing priorities, securing stakeholder buy-in, and helping teams move from analysis to action
Strong attention to detail, sound judgment, and ability to develop defensible business decisions
Proficiency with Microsoft Excel, Word, Outlook, and PowerPoint
Ability to work independently, manage ambiguity, adapt to change, and identify creative solutions to business challenges

Benefits

Comp & perks

Medical insurance
Dental insurance
Vision insurance
401(k) plan
Career development
Flexible schedules
Wellness programs