Product Director, General Liability, Umbrella, & Excess

Product Director - EM06KE
We're determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having every opportunity to achieve your goals - and to help others accomplish theirs, too. Join our team as we help shape the future.

At The Hartford, sustaining our unique workplace culture is essential to fulfilling our purpose-underwriting human achievement-and consistently delivering exceptional results. Our enterprise work model, which blends in-office, hybrid, and fully remote roles, enables us to attract, retain, and develop top talent aligned with our strategic goals.

This position offers flexibility and can be performed in a hybrid or fully remote arrangement.

As Product Director for General Liability, Umbrella & Excess, you will lead initiatives in Product Development, Line of Business (LOB) Management, and Underwriting Guidance for Middle and Large liability lines.

Key Responsibilities:

Product & Underwriting

• Drive product development, including policy form creation, manuscripting, and filing memoranda.
• Manage form, rule, and rate filings; oversee programming in policy systems.
• Develop and execute state-specific filing strategies aligned to underwriting intent, actuarial indications, and market conditions
• Manage filings through SERFF, including direct engagement with state Departments of Insurance
• Respond to regulator objections, interrogatories, and objections with clear, well-supported rationale
• Ensure filings are implemented accurately and timely in policy administration and rating systems
• Monitor market trends and conduct competitor analysis.
• Develop and refine underwriting guidance.
• Serve as a consultative resource for underwriters on product, pricing, systems, and technical issues.
• Lead cross-functional projects with Actuarial, Claims, Legal, Compliance, IT, and Operations.
• Manage regulatory filings and maintain compliance standards.
• Mentor product managers and promote data-driven decision-making.

• Analyze financial performance trends (rate, retention, pricing, segmentation, industry/geography mix).
• Recommend and implement actions to achieve plan results and address shortfalls.
• Track profitability metrics such as loss ratios, rate adequacy, segmentation, and retention.
• Provide strategic and tactical recommendations based on regional and national performance.

• Partner with business leaders, underwriters, and strategic stakeholders to drive results.
• Lead initiatives through legal, compliance, and claims functions.

• Subject Matter Expertise in General Liability, Umbrella, and Excess.
• 10+ years of experience in property and casualty underwriting, product, or actuarial roles focused on these lines.
• Deep knowledge of underwriting principles, policy forms, and regulatory filing processes.
• Demonstrated success in navigating regulatory approvals and leading cross-functional projects.
• Ability to synthesize multi-disciplinary input into actionable strategies.
• Execution mindset with ownership mentality.
• Clear, confident communicator with regulators and senior stakeholders.