Job Details

Business Insurance State Product Manager

We are Farmers where ambition meets opportunity. At Farmers, we're not just known for unforgettable jingle we're a team with a passion for purpose and making a real difference in people's lives. We deliver peace of mind when it matters most. Our results-driven, high-performance culture thrives on creativity, accountability and bold solutions. Here, growth isn't just a goal it's a way of life for both the organization and every individual on our team. We tackle challenges head-on, learn from every experience and measure our impact on the customers who trust us. Join an award-winning, equal opportunity employer, where you'll find more than a job you'll find a supportive community. Enjoy competitive benefits, take part in meaningful volunteer projects, and help shape the future alongside talented colleagues across all backgrounds. At Farmers, helping others is at the heart of what we do.

Job Summary

This position drives development and execution of state-level strategies for designated products within a business unit. The role focuses on executing state-specific rate and product strategies that align with operational and profitability goals set by leadership. The position analyzes competitor activities, market conditions, and customer insights to guide rate recommendations and product adjustments for competitive positioning. The role collaborates cross-functionally to deliver competitive, compliant, and customer-focused insurance products. It develops short- and long-term strategies that meet market demands and business objectives. The position may supervise direct reports who are individual contributors or people leaders to ensure alignment with state product management goals and successful delivery of business unit priorities.

Essential Job Functions

Accountable for achieving/exceeding profit and growth targets in assigned geography. Develops strategic vision and supporting roadmap that will profitably expand market share within assigned geography. Conducts competitor analysis with a focus on rate trends and market entries and exits at the state level to identify opportunities for competitive rate adjustments. Uses insights to recommend state-specific rate strategies that improve market position and support profitability goals. Supports post-implementation monitoring to track performance of state-specific rate and product adjustments. Performs data analysis to identify trends and provide insights for ongoing improvements. Coordinates annual rate planning with underwriting, distribution, and other internal partners to determine rate levels and product updates. Ensures rate decisions reflect state-specific considerations and strategic plans. Runs dislocation tool to determine rate recommendation. Communicates with Department of Insurance for moderately complex state rate filings and revisions. Prepares and submits required documentation, addresses inquiries, and ensures timely responses to DOI feedback. Works with internal partners to incorporate DOI-required adjustments and maintain compliance with state regulations throughout the rate revision process. Escalates more complex cases to senior team members for further resolution. Supervises the daily activities of direct reports to ensure task completion and alignment with business unit priorities. Provides instructions, delivers regular feedback, and manages performance to support individual and team development. Performs other duties as assigned.

Experience Requirements

Minimum five years of experience required in product management, pricing, or related, with experience in state-level product management preferred. Experience in a people leader or management role preferred. Insurance industry experience preferred. Education Requirements High School Diploma or equivalent required. Bachelors degree preferred.

Additional Qualification

Strong verbal communication and listening skills. Demonstrated written communication skills. Effective interpersonal skills. Able to interact effectively with business partners and stakeholders. Demonstrated analytical skills. Able to analyze data and trends to make informed decisions and recommendations. Possesses strong product knowledge. Working knowledge of insurance products including commercial lines, property & casualty (P&C) lines, specialty lines, and other relevant types. Demonstrated P&L management experience. Possesses strong technical aptitude. Proficient in Microsoft Office suite. Familiarity with product management tools, data analysis software, and reporting systems. Working knowledge of SaaS, SQL preferred. Effectively coaches and delivers constructive feedback. Effective leadership skills. Demonstrated collaboration skills.

Physical Actions

Job is performed in-person at a Farmers office or virtually at an approved alternative work location. The physical work environment is indoors and climate-controlled with adequate lighting and ventilation. Normal and customary distractions include background noise produced by office equipment and chatter among people, as well as interruptions. Frequently sits for prolonged periods of time, up to a full shift. Occasionally moves about the workplace including, navigating stairs, ramps, and level or uneven surfaces. Occasionally moves, pushes, pulls, lifts, carries, and/or places objects or materials weighing up to 25 pounds without assistance. Frequently uses shoulders, arms, hands, and fingers to manipulate equipment, tools, and objects necessary to perform job duties. Frequently performs fine motor tasks such as typing, mousing, or writing, up to a full shift. Rarely performs movements such as bending, stooping, crouching, kneeling, twisting, and reaching overhead or below knees. Possesses clear vision, with or without correction, to visually read and verify information. Relies on depth perception and peripheral vision to navigate the work environment visually by identifying barriers, changes in terrain and locating objects. Possesses adequate hearing, with or without correction, to communicate with co-workers, respond promptly to auditory signals or alarms, and discern sounds essential for maintaining safety and productivity in the workplace. Jobs in this category require rare, if any, travel.

Benefits

Farmers offers a competitive salary commensurate with experience, qualifications and location. o CA Only: $115,275 - $196,130 o CO Only: $108,375 - $169,070 o HI/IL/MN/VT Only: $108,375 - $181,060 o MA Only: $108,375 - $181,060 o MD Only: $108,375 - $181,060 o DC/NJ/NY/OH Only: $108,375 - $196,130 o Albany County, NY/Cleveland, OH: $115,275 - $169,070 o WA Only: $108,375 - $205,750 Bonus Opportunity (based on Company and Individual Performance) 401(k) Medical Dental Vision Health Savings and Flexible Spending Accounts Life Insurance Paid Time Off Paid Parental Leave Tuition Assistance For more information, review "What we offer" on