P&C Product Owner

Key Responsibilities

1. ISO GL Circular & Filing Implementation

Review and interpret ISO General Liability circulars, rate filings, classification changes, and rule revisions.

Translate ISO updates into detailed system configuration requirements.

Answer any I.T. questions regarding the ISO GL configuration requirements.

Validate ISO circulars, state-specific ISO variations, and transition rules.

2. Rating System Configuration & Testing

Configure ISO:

Loss costs / rates

Classification codes

Minimum premiums

Increased Limits Factors (ILFs) and Deductibles

Experience rating parameters

Schedule rating logic

State-specific deviations

Ensure rating algorithms reflect ISO manuals accurately.

Conduct detailed unit, regression, and parallel testing to validate premium calculations.

3. Forms & Rule Alignment

Ensure ISO policy forms and endorsements trigger correctly based on:

Classification

Limits

State

Special exposures

Confirm system logic aligns with ISO eligibility rules and underwriting guidelines.

4. Quality Assurance & Controls

Perform premium validation testing against ISO manual examples.

Identify discrepancies between manual rates and system output.

Develop and maintain documentation of rating logic and system workflows.

Support internal and external go live audits.

5. Cross-Functional Collaboration

Partner with:

Product Management

IT / System Developers

Actuarial

Compliance / Regulatory

Underwriting Operations

Clarify ambiguous ISO rules and propose implementation solutions.

Assist underwriting and I.T. teams with rating questions and issue resolution.

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Qualifications

5+ years of Commercial General Liability experience.

Strong knowledge of:

ISO CGL Manual

Classification codes

Experience rating plan

Increased Limits Factors and Deductibles

Premium audit adjustments

Experience working with policy administration or rating systems (Guidewire, Duck Creek, Majesco, Policy Decisions, Assure DXC, etc.).

Strong analytical and testing skills.

Ability to interpret ISO's GL rating manuals and translate into logic.

Detail-oriented with strong documentation skills.

CPCU or ARM designation preferred.

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Core Competencies

ISO GL product expertise

ISO GL technical rating knowledge

Regulatory awareness

Systems thinking

Problem-solving

Precision and attention to detail

Cross-functional communication