Vice President of Property & Casualty State Product Management

Horace Mann Service CorporationRemote

Remote Full-time $210K/yr - $250K/yr

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Experience Level

Senior Level Manager

Qualifications

Qualifications Proven leadership experience in Property & Casualty insurance, with a focus on state product management. Strong analytical skills with the ability to interpret data and provide actionable insights. Exceptional communication and interpersonal skills for effective collaboration with cross-functional teams. Demonstrated success in driving profitable growth and managing P&L responsibilities. Knowledge of regulatory requirements and compliance standards in the insurance industry.

About the job

Job Title: Vice President of Property & Casualty State Product Management

Location: Remote

Position Overview

The Vice President of Property & Casualty (P&C) State Product Management is responsible for devising and executing state-level strategies, overseeing performance, and implementing effective actions for our Personal Lines Auto and Home insurance portfolio across 44 states. This role entails direct accountability for state-level profit and loss (P&L) outcomes and aims to drive profitable growth through coordinated efforts in pricing, underwriting, regulatory compliance, and overall portfolio management.

This leader will collaborate closely with teams across Pricing/Actuarial, Underwriting, Claims, Distribution, Regulatory, Finance, and Technology to transform performance insights into actionable strategies that enhance loss ratios, stimulate growth, and improve market competitiveness, all while ensuring alignment with regulatory standards and operational readiness.

Key Responsibilities

State P&L Leadership & Strategy

Oversee profit and growth performance for Personal Lines Auto and Home across 44 states.
Develop and implement state-specific strategies aimed at achieving target loss ratios, retention rates, growth, and expense management goals.
Analyze performance drivers utilizing internal data and external market insights, converting findings into actionable strategies.
Establish portfolio guardrails to ensure disciplined underwriting and effective segmentation strategies.

Rate, Rule & Form Execution (in partnership with Pricing/Actuarial)

Collaborate with Pricing and Actuarial teams to shape rate indications and develop state-level pricing strategies.
Lead the comprehensive agenda for rate, rule, and form filings, including proposal development, cross-functional alignment, regulatory submission coordination, and management of objections.
Ensure congruence among pricing strategies, underwriting appetites, claims insights, and operational capabilities.
Build and sustain strong relationships with state Departments of Insurance.

Portfolio & Risk Management

Oversee and manage the portfolio mix, catastrophe exposure, geographic concentration, and emerging risk trends.
Identify and implement corrective measures when performance diverges from established plans.
Promote disciplined new business growth in alignment with profitability targets.

Cross-Functional Execution Leadership

Drive collaborative efforts across various departments to align strategies and enhance execution effectiveness.

About Horace Mann Service Corporation

Horace Mann Service Corporation is dedicated to providing insurance and financial solutions to educators and their families. With a commitment to customer service and a focus on community, we strive to empower our clients with the financial security they deserve.

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Heartstrings Pet Hospice, In-Home Euthanasia & Aftercare

Part-time|Remote|Jersey Village TX

Join Heartstrings Pet Hospice and experience the fulfillment of providing compassionate end-of-life care to pets and their families. As a Part-Time In-Home Veterinarian serving Jersey Village and the Greater Houston area, you will have the opportunity to reconnect with pet families and deliver the quality care you’ve always envisioned, with ample appointment times and limited administrative responsibilities.At Heartstrings Pet Hospice, we understand the significance of supporting pets during their final moments by offering in-home euthanasia services. Founded by veterinarians, we are dedicated to fostering deep and meaningful relationships with pet families, colleagues, and our local community. Join our nurturing environment where you can flourish both professionally and personally.Why Heartstrings Pet Hospice?Make a significant impact with an average of 3-4 appointments dailyReceive heartfelt gratitude and appreciation from familiesEnjoy the flexibility of a mobile practice, free from clinic constraintsAccess comprehensive training and ongoing mentorshipAchieve a true work-life balance with flexible scheduling options (2-5 days per week, with most appointments from 9 am to 5 pm)Engage in team-building activities and retreats

Mar 1, 2026

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