What are the responsibilities and job description for the P& C Insurance Product Analyst position at Cornerstone Insurance Producers, LLC?
Job Description
Job Description
P&C Insurance Product Analyst
Company Overview : Cornerstone Insurance Producers, LLC is a specialty MGA focused on underwriting niche & customizable programs tailored to fit market needs and capacity demands. We offer a full suite of insurance services with a proven distribution strategy designed around long-term profitable growth.
Position Overview : The Insurance Product Analyst will lead efforts to develop and refine insurance policies, raters, and coverage structures that meet market demands and regulatory standards. This role requires a deep understanding of insurance coverage, policy design, and rate modeling. The ideal candidate will collaborate with cross-functional teams to ensure our products deliver value to clients while maintaining profitability and compliance.
Key Responsibilities
- Design and develop insurance policies, endorsements, and coverage structures tailored to market needs and client demands.
- Build and maintain rating models to ensure pricing accuracy and competitiveness while meeting profitability targets.
- Conduct comprehensive analysis of policy performance, identifying trends and areas for improvement in coverage design and rate structures.
- Collaborate with underwriting teams to refine guidelines and ensure alignment with product objectives.
- Ensure all policies and raters comply with applicable regulatory standards and filing requirements.
- Provide expertise on insurance coverage terms and conditions to internal teams, including underwriting, sales, and marketing.
- Contribute to digital transformation initiatives by defining technology needs for rating tools, policy administration systems, and related platforms.
- Conduct in-depth market research and competitive analysis to identify industry trends, customer needs, and opportunities for product differentiation and growth.
- Support training efforts by creating clear documentation and resources for internal teams and distribution partners.
Qualifications
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