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About the Role

Own the full financial and strategic performance of the Small Commercial business, balancing growth, underwriting profitability, and capital efficiency while building a scalable, market-leading franchise. This leader will initially operate as a matrixed business owner, shaping strategy and execution across underwriting, pricing, claims, and distribution, then design, justify, and stand up a dedicated operating model and team to accelerate performance.

Responsibilities

Own Small Commercial P&L, including GWP, Earned Premium, Loss Ratio, Expense Ratio, and Combined Ratio.
Define and refine appetite by class, size, industry, geography, and channel.
Drive rate adequacy and pricing sophistication with actuarial to ensure alignment to loss trends and target returns.
Actively manage concentration risk, cat exposure, and litigation-prone segments.
Define and outperform the annual business plan.
Partner with Operations/IT to build a fit-for-purpose small commercial engine with straight-through processing, simplified workflows, and pre-bind controls.
Improve cycle times, responsiveness, and data capture quality.
Monitor NPS/CSAT and referral SLAs.
Partner closely with Claims to understand severity drivers, emerging trends, reduce leakage, and improve outcomes.
Embed claims insights into pricing, appetite, and underwriting rules.
Assess talent across underwriting, product, and analytics.
Define hiring plans and capability requirements.
Justify ROI of organizational build-out.
Lead the Small Commercial team, including Product/Portfolio Leads, Underwriting leaders/teams, and Analytics.
Build a culture of ownership, data-driven decision-making, speed, and discipline.
Influence appetite, pricing, and underwriting decisions.
Recommend investment priorities.
Drive alignment across functions.
Co-own appetite, pricing direction, and underwriting frameworks.
Hold a formal role in governance committees.
Make final decisions on appetite, segmentation, product roadmap, and underwriting framework.
Exercise direct control over dedicated small commercial resources.

Requirements

Applicants must be legally authorized to work in the United States.
At this time, we are not able to sponsor or assume sponsorship of employment visas.

Skills

Underwriting
Pricing
Claims analysis
Distribution strategy
Financial performance management
Strategic planning
Team leadership
Data analysis
Process improvement
Risk management

Location

United States

Work Type

Full-time

Experience Level

Senior leadership

Salary/Compensations

$269,178 - $389,000

Benefits

Competitive compensation package
Performance-based incentives
Health insurance
Dental insurance
Vision insurance
401(k) with company match
Paid time off
Professional development opportunities

About the Company

Farm Family specializes in farm and ranch protection with a wide range of products including flexible farm packages, business owner policies, commercial package, workers compensation, commercial auto and select personal auto coverage.
Farm Family is a leader in serving the Northeast and Mid-Atlantic markets and is pursuing growth across the U.S.
The Farm Family entities are wholly-owned subsidiaries of Clearbrook Group Holdings Inc.
At Clearbrook our Core Values are Integrity, Collaboration, Pursuit of Excellence and Forward Thinking. These values reflect who we are today and who we aspire to be - guiding how we work, how we lead and how we succeed.

Equal Opportunity

If you have a disability under the Americans with Disabilities Act or similar state or local law and you wish to discuss potential reasonable accommodations related to applying for employment with us, please contact our Benefits Department at 210-321-8400.