Policy Forms Analyst
The individual in this position is a member of a fast-paced product development team. We create value for our stakeholders by maintaining alignment across the enterprise, thinking with outside-in mindset, and communicating with real-time transparency.
The primary responsibility of this position is the development, approval and maintenance of our promises: the policy forms (policies, data pages, riders, endorsements, and applications) representing the product offerings of National Life Group.
Essential Duties and Responsibilities
• Prepare, draft, and submit policy and related forms (including data pages, riders, endorsements, and applications) and respond to any objections in accordance with state and Interstate Compact filing requirements with limited supervision.
• Understand new insurance regulations and changes in the regulatory environment and their impact on National Life Group’s product offerings.
• Draft and propose contract language to policy and related forms within pre-filing preparation and for responses to any objections received from state regulators.
• Coordinate with scrum teams to define and execute Policy Package implementation.
• Support internal / external requests for gathering filing information, forms, and other items in a timely manner.
• Create and maintain policy form documentation, descriptions, and approval history of all policy forms.
• Research and respond to questions from various internal stakeholders about historical versions of forms and prior filings.
• Collaborate with other business areas to update and improve any other filed forms such as applications, disclosures, and advertising, etc.
• Participate in product project teams in the development and implementation of new products or enhancement to existing product portfolios.
• This position is presently onsite/hybrid with the expectation that you are in the office three days per week with current campus days being Tuesday, Wednesday, and Thursday (subject to change with advance notification and manager discretion).
Annual Salary: $70-$130
Compliance Analyst – Alternative Risk
Products include Alternative Risk: General Liability, Commercial Auto, Contingent Liability, Contractual Liability, and Professional Liability.
Since 2000, Crum & Forster’s Accident & Health division (A&H) has offered a diverse portfolio of specialty insurance and reinsurance products nationwide. We place a strong focus on product development and creative distribution methods, along with excellent client service and support.
In addition to our robust domestic portfolio, which spans both special risk and medical solutions, A&H works on an international basis through various partnerships. Our global capabilities provide our partners with even broader flexibility in underwriting solutions.
The qualities and capabilities of Crum & Forster Accident & Health demonstrate our philosophy of building meaningful, long-term partnerships and our dedication to providing alternative strategies in an ever-changing insurance market.
Information about the Role, Line of Business and Team:
This position is in the Compliance Department, which is responsible for (i) Proficiency in both admitted and non-admitted policy and endorsement creation (ii) reviewing prospective programs and coverages for adherence to the various state required guidelines; (iii) working with underwriting, legal, regulatory, actuarial, and claims areas, ensuring that policies and/or certificates are drafted and issued compliantly; (iv) and for conducting audits to further ensure that all policies, certificates and advertising have been properly issued.
The Compliance Analyst operates under the direction of the Compliance Director and is responsible for the maintenance and regulatory compliance of assigned P&C products offered by Crum & Forster A&H Division.
What you will do:
Independently draft product policy forms primarily for non-admitted Property & Casualty (P&C).
Review prospective P&C program structure, policies and forms for compliance.
Proficiency in both admitted and non-admitted policy and endorsement creation.
Research of non-admitted compliance issues and provide responses to business areas.
Assist in creating policies or endorsements based on Legal and Underwriting guidance.
Review integrity of policy issue documents and facilitate resolution with inconsistencies in the information.
Conduct compliance audits as assigned by manager.
File via SERFF, Product Forms, Rates, and Rate Rules (where required) and communicate with regulators to secure approval in the required jurisdictions.
Communicate with state insurance departments and other regulatory agencies as required.
Review advertising material including websites to ensure compliance with internal and state regulatory guidelines.
Respond to routine compliance-related requests and inquiries from the various business areas.
Assist in reviewing and assessing regulatory changes in state insurance department statutes, regulations, bulletins, etc. along with general industry trends to determine filing and regulatory requirements. Stay current on changes and developments that impact insurance design, development and filing requirements.
Assist in research and communication of the compliance implications of new products and enhancements as well as other corporate strategic initiatives.
Facilitating underwriting training on industry trends and sharing lessons learned from significant losses.
Establish relationships with business units to foster teamwork.
Participate in documenting procedure manuals and processes as needed.
Ensure Products Status Charts are up to date in real time for assigned products.
Develop and maintain required statutory interest rate charts by state for P&C products.
Perform other related duties, including short or long-term projects, as assigned by Management.
What YOU will bring to C&F:
Bachelor’s or associate degree preferred
3+ years of equivalent work experience in the insurance industry, with product filing experience, including drafting P&C coverage forms for commercial lines insurance.
Working knowledge of P&C Non-Admitted or Alternative Risk type products offerings required.
Knowledge of regulatory and compliance aspects of the insurance industry.
Demonstrated knowledge of compliance laws and regulations.
Awareness of emerging risks and industry trends.
Excellent organizational, verbal, and written communication as well as interpersonal skills.
Flexible and open to an ever changing, fast paced environment.
Meticulous with a high degree of accuracy and ability to multitask.
Strong research, decision-making, reporting and analytical skills.
Ability to understand, synthesize and convey complex data.
Ability to work independently, prioritize and organize own work to meet deadlines.
Solid judgment and discretion required to interpret and apply regulatory guidelines, company policies and procedures.
Proficient in Microsoft Office software, including Microsoft Word, Outlook, and Excel
Compliance Manager
• Oversees the day-to-day operations of organization’s Compliance programs. Manages programs, policies, and practices to monitor and ensure compliance with the laws, regulations and rules of federal, state, and self-regulatory organizations.
• Assesses, prioritizes and manages identified risks. Refers more complex matters to more senior management.
• Coordinates and conducts investigations of non-compliance and / or potential violations of corporate policy, applicable laws and / or regulations. Recommends the appropriate response and / or actions.
• Recommends proactive measures that will reduce the risk of violations and / or non-compliance.
• Participates in documenting and communicating programs, policies and procedures. Provides appropriate training programs.
• Provides advice / counsel to management on Compliance matters.
• Ensures department’s record keeping systems are updated and maintained appropriately.
• Acts as a liaison between the organization and regulatory agencies.
• Ensures that effective business relationships with Managers / coworkers are developed and maintained.
• Participates in developing team objectives and in meeting performance targets. Monitors activities as necessary to ensure performance standards are met or exceeded.
• Requests or generates and analyzes management reports to track and assess unit performance, process flow, customer satisfaction and other business metrics.
• Develops and oversees internal controls to ensure accuracy, timeliness and quality of work. Makes recommendations to improve processes and procedures.
• Has responsibility for performance, development and coaching of staff (hiring, firing, performance management, pay increases, etc.). Provides training for new members to the team / unit.
• Performs other duties as assigned
JOB PROFILE
Education: Bachelor’s Degree or the equivalent years of education and experience required.
Field of Study: Business, Liberal Arts, or related discipline
Experience: 5 or more years of Compliance or insurance / securities related experience, including previous supervisory experience. Continuing progress toward and/or the completion of an Associate Insurance Regulatory Compliance (AIRC) designation
Scope of Job: Relies on experience and judgment to accomplish goals. Implements and administers policy under the direction of higher-level management.
Annual Salary: $110,000 – $120,000
Product Analyst
This position offers a dynamic environment where you will engage with key stakeholders from various departments within AXIS, such as underwriting, legal and compliance, actuarial, and claims. Your contributions will play a vital role in supporting our business units to maintain competitive product forms aligned with approved filings.
The ideal candidate will possess a deep understanding of Accident & Health insurance form requirements, with proficiency in leisure Travel, Pet insurance, and Employer Stop Loss. Attention to detail, analytical acumen, and a strong sense of personal responsibility are essential qualities for success in this role.
Annual Salary: Currently base salary in the range of $85k to $115k. Your salary offer will be based on an assessment of a variety of factors including your specific experience and work location. In addition, you will be offered competitive target incentive compensation, with awards based on overall corporate and individual performance. On top of this, you will be eligible for a comprehensive and competitive benefits package which includes medical plans for you and your family, health and wellness programs, retirement plans, tuition reimbursement, paid vacation, and much more.
Regulatory Compliance Manager/Regulatory Counsel
Westminster American Insurance Company (WAIC) is a well-capitalized, specialized commercial property insurer, providing coverage across 12 states. We have a strong foundation as a boutique insurer, specializing exclusively in habitational and office risks – including apartments, condo associations, office buildings, and mixed-use properties. As we continue to enhance our compliance framework and prepare for a major transition from AAIS to ISO filings in Q3 2025, we are seeking a Regulatory Compliance Manager OR Regulatory Counsel to take ownership of critical regulatory and compliance responsibilities. This is a new position, created to ensure that WAIC remains proactive in filings, regulatory notices, and compliance oversight – areas that have previously been split between senior leadership. The ideal candidate will bring a deep understanding of insurance compliance, regulatory filings, and policy forms. We are open to candidates with an insurance compliance background or those with a legal background (attorney or paralegal) who have expertise in regulatory matters.
If you’re looking for a high-impact role with leadership visibility, we encourage you to apply!
About the Role – Two Possible Paths
Option 1: Regulatory Compliance Manager (Non-Attorney)
At WAIC, we do things differently. With fewer than 25 employees, we’re more like a family than a corporation. We foster a collaborative, engaging work environment where individual contributions are valued, and we invest in our employees’ success. The ideal candidate for this position will have strong experience in insurance compliance and regulatory filings.
What You’ll Do
● Manage form and rate compliance across all WAIC’s operating states, working with the CEO and CUO.
● Lead our transition from AAIS to ISO filings in 2025, including working with ISO, external actuaries, and regulators to file and track loss cost multipliers (LCMs).
● Ensure underwriting, billing, and cancellation notices comply with state-specific regulations (e.g., correct language on policy delivery, cancellation notices).
● Maintain all company compliance files, including:
o Licenses
o Forms filings, (including AAIS, ISO and company specific forms)
o Loss Cost and Loss Cost Multiplier (Rate) filings
o Regulatory complaint log
● Collaborate with leadership to draft and manage coverage change notices for insureds as we transition to ISO-based forms.
● Report directly to the CEO.
Option 2: Regulatory Counsel (Attorney)
If you are a licensed attorney, this role can expand beyond the above to include:
● Regulatory affairs, including responding to DOI inquiries, complaints, and regulatory audits.
● Drafting and reviewing policy language and compliance-related legal documents.
● Managing state regulatory filings (form, rate, rule changes) and providing legal insight on compliance risks.
● Advising senior management on insurance law, regulatory trends, and potential legislative changes impacting WAIC.
Annual Salary: $80,000-$160,000
Underwriter – Commercial Property & Casualty
At WAIC, we do things differently. With fewer than 25 employees, we’re more like a family than a corporation. We foster a collaborative, engaging work environment where individual contributions are valued, and we invest in our employees’ success. We believe in underwriting with intelligence and creativity – our philosophy is to find ways to say “yes” when it makes sense, rather than following rigid rules.
We’re looking for an Underwriter who shares our mindset—someone who is intellectually curious, adaptable, and eager to grow within a company that values expertise over titles.
What You’ll Do:
Analyze new business submissions and renewals to determine risk acceptability and pricing.
Apply underwriting guidelines (not just rules) to craft profitable solutions.
Collaborate with agents to strengthen relationships and develop new business.
Maintain and manage an assigned book of business, with account sizes ranging from $25,000 to $4 million.
Assist in reporting and analyzing data on assigned accounts.
Review and approve policies and endorsements issued by assistants.
Ensure underwriting quality by adhering to company standards and turnaround times.
Report directly to the Chief Underwriting Officer while also working closely with the CEO on strategic underwriting decisions.
Annual Salary: $65,000-$95,000
Compliance Analyst
Requirements:
• 2+ years of experience in insurance compliance or related industry experience
• Knowledge of regulatory and legal requirements related to insurance operations
• Basic skills in Microsoft Word, Excel, and Adobe Acrobat
• Bachelor’s degree
• Experience or exposure in international insurance business is a plus
Company Benefits:
• Fully-paid employee Medical Insurance, Dental Insurance, and Vision Insurance
• Fully-vested employer match 401(k)
• Section 125 – Flexible Spending Account
• In-house pharmacy provides employees significant savings and convenience
• Tuition Reimbursement
Manager – Product Services
Key Responsibilities:
Lead a team of regulatory consultants responsible for managing product filings, providing coaching, mentorship, and strategic direction.
Oversee the coordination and submission of product filings to State Departments of Insurance, securing necessary regulatory approvals for new and modified products.
Develop, maintain, and continuously improve best practices for the product filings process, ensuring efficiency, accuracy, and compliance.
Evaluate current repositories for filing records, and policy rates, rules and forms. Assess alternatives and implement changes to optimize storage, retrieval, and management of these critical documents.
Stay updated on regulatory changes, ensuring the company is compliant with state and federal requirements for product filings.
Act as the primary point of contact for affiliated Old Republic companies receiving product management support from PMA. Ensure service delivery aligns with the needs of affiliated companies. Act as the point of escalation for any service-related issues or concerns, ensuring timely and effective resolution of challenges. Develop and track KPIs to measure the success of services provided to affiliated companies.
Establish and maintain documentation for service processes, onboarding procedures, and regulatory requirements to ensure consistency and transparency for all involved stakeholders.
Oversee the onboarding of new affiliated companies, working with other members of PMD to assess their product management needs, and develop tailored plans to meet those needs through the coordination of services.
Establish and provide filing standards and guidelines, ensuring all product filings adhere to internal and external regulatory requirements.
Oversee and monitor filings made by third-party vendors to ensure compliance with regulatory requirements and company standards.
Respond to questions regulatory compliance, providing guidance on filing processes, state-specific requirements, and other product-related concerns.
Coordinate access to critical resources such as APCIA, FMCSA, ISONet, Mozart, NCCI, ODEN, ReferenceConnect, state rating bureaus, and Wolters Kluwer.
Ensure smooth integration and access to policy writing systems, troubleshooting access issues and ensuring continuous service.
Provide applicable taxes, assessments, and surcharges related to product offerings, ensuring accurate application and compliance.
Coordinate ISO and workers compensation policy reporting.
Coordinate responses to regulatory data calls, ensuring timely and accurate submission of data required by state departments and other regulatory bodies.
Develop and conduct training sessions on internal tools, filing processes, and accessing necessary resources. Create knowledge-sharing materials to facilitate self-service where applicable.
Demonstrate commitment to Company’s Code of Business Conduct and Ethics, and apply knowledge of compliance policies and procedures, standards and laws applicable to job responsibilities in the performance of work.
Qualifications:
5 – 10 years of experience in commercial lines filings and insurance operations. Experience working with multiple operating companies, general agents or program managers is preferred. Experience working with both admitted and non-admitted products is beneficial.
Bachelor’s degree in business, Insurance, Finance, or a related field preferred.
Deep knowledge of regulatory processes and systems for product filings, including familiarity with state Departments of Insurance and industry-specific filing tools. Experience with FilingRamp beneficial.
Proficiency with insurance-related systems and third-party portals, including policy writing systems, SERFF, APCIA, FMCSA, ISONet, Mozart, NCCI, ODEN and ReferenceConnect.
Proven experience leading a team, with a focus on regulatory compliance, process execution, and cross-functional collaboration.
Demonstrated sound customer service and interpersonal skills, with the ability to communicate effectively and clearly with several internal and external parties are essential.
Demonstrates excellent judgment, troubleshooting, problem solving, analysis, and discretion; ability to handle multiple priorities simultaneously while meeting assigned deadlines.
Excellent verbal and written communication skills.
Proficiency in Microsoft applications and Adobe
Able to travel.
Industry Filing Analyst
Prepares and submits filings of basic to moderate complexity for new and revised programs, non-standard forms, manual pages, and rule and rate deviations to various state insurance departments. Gathers data from all necessary resources. Consults regulations and current codes and procedures to complete documentations and articulate procedures.
Receives all calls regarding the assigned filings. Coordinates and submits all responses to insurance department questions by obtaining necessary information from underwriting, actuarial, law, and technical services. Works with underwriters to resolve issues with regulators.
Reviews insurance circular and bulletin summaries as compiled by the more senior regulatory staff to determine filing requirements for assigned area(s).
Maintains current knowledge and records of files, fees, notice requirements, and approval procedures for state filing requirements.
Researches filings for products and provides advice to underwriters on when filings may be used
The expertise you bring
Associate’s degree with 1-3 years of general P&C experience;
Progress towards industry professional designation preferred;
Annual Salary: Depends on location