Personal Insurance Product Director – State Management

The Hartford

. Oversee Auto, Home and Umbrella P&L results for specific states within an assigned geography .

Posted 10/12/2026full-timeUnited StatesLead💰 $139,600 - $209,400 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive experience in P&C Insurance with a strong focus on Product and P&L Management, driving growth through strategic planning and regulatory compliance. Proficient in analytical decision-making and effective communication to influence stakeholders and enhance product offerings.

Highest-signal resume keywords

P&C Insurance ExperienceProduct ManagementP&L ManagementAnalytical SkillsRegulatory Compliance

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

PricingUnderwritingData & AnalyticsFinancial AcumenActuarial ConceptsSQLFinancial StatementsPersonal Insurance ProductsMarket AnalysisBudgeting

Soft Skills

Problem-SolvingRelationship ManagementExecutive CommunicationStorytellingInfluencing

Tools & Technologies

Microsoft ExcelMicrosoft PowerPoint

Industry Keywords

Personal InsuranceDirect-to-ConsumerAgency DistributionRegulatory RequirementsMarketplaces

Tech Stack

Tools & technologies

SQL

About the role

Key responsibilities & impact

Oversee Auto, Home and Umbrella P&L results for specific states within an assigned geography
Develop and execute a strategic vision for long-term, sustainable growth while maintaining target margins
Lead state-level planning and budgeting
Deliver product and pricing enhancements to market in a highly regulated environment
Partner with Underwriting, Sales, Marketing, and IT to drive growth in profitable customer segments
Drive topline growth at target margins across Direct and Agency distribution channels
Identify new business opportunities and strategic options for growth
Oversee state management of rate level, class plan segmentation, coverage offerings, and regulatory compliance
Establish operating budgets at the state level and report results to senior management
Build understanding of local markets and regulatory requirements
Identify drivers of poor performance and deploy pricing or product changes
Highlight state issues to Auto and Home Line teams and provide thought leadership on countrywide initiatives
Monitor assigned states and present key results to senior leaders
Develop action plans to restore growth and profit metrics to target levels
Deliver concise communications to executive audiences

Requirements

What you’ll need

7+ years of experience in the P&C insurance industry
5+ years in Product or P&L Management
Experience in pricing, underwriting or data & analytics is a plus
Strong understanding of Personal Insurance products, coverages, and distribution channels including Direct-to-consumer and Agency
Excellent analytical and problem-solving skills
Strong business and financial acumen
Familiarity with financial statements (income statement, 10K, annual statement)
Familiarity with actuarial concepts (indications, loss development, credibility)
Familiarity with data and database procedures such as SQL
Advanced knowledge of Microsoft Office tools, such as Excel and PowerPoint
Strong presentation, storytelling, and executive communication skills
Ability to create concise but powerful content and visuals to influence a range of audiences
Excellent relationship management skills
Demonstrated experience challenging the status quo and broadly influencing key stakeholders to drive change and innovation
Ability to make evidence-based decisions quickly with imperfect information
Knowledge of local marketplaces, including state-specific regulations and filing requirements
Bachelor's degree preferred

Benefits

Comp & perks

Hybrid or remote work schedule
Remote work arrangement for candidates who do not live near an office
Short-term or annual bonuses
Long-term incentives
On-the-spot recognition
Perks & Benefits