Asst Director , Product Research, Liberty Mutual Mobility Solutions
Are you looking for an opportunity to join a nimble, high-performance team addressing a strategic and high-visibility opportunity for a Fortune 100 company? Liberty Mutual Mobility Solutions is working to develop solutions for the future of transportation, and we’re seeking a consultant to support product research and development for new mobility insurance products. You will be responsible for drafting and maintaining coverage language and forms, in addition to assessing product compliance. You will also prepare and collaborate on internal filings, as well as analyze competitor filings. Join us as we work with the firms that are changing the way people and goods move – including autonomous vehicles, ridehail, car sharing, subscription, micromobility, and more.
This role requires a highly adaptive and innovative approach to coverage design, including development of manuscript solutions for emerging mobility and autonomous vehicle risks where traditional insurance frameworks may not yet exist. The role will operate at the intersection of product, underwriting, claims, legal, and strategy to help shape scalable insurance solutions for evolving transportation models.
This role will help drive the development of mobility segment products and segment strategies to help us stay ahead of and capitalize on the disruptions we see and anticipate in the transportation space. A key to success in this role (and for the success of our team) will be the ability to adapt the traditional capabilities of commercial lines and personal lines insurance products to appropriately address the coverage needs of our mobility customers.
The role will play a key part in evaluating and designing coverage approaches for emerging risks associated with autonomous vehicles, teleoperation, platform liability, mixed fleet models, and evolving mobility ecosystems — often in environments where market standards and regulatory frameworks are still developing.
As part of the Mobility Solutions team, you will be involved with a top priority cross-business unit initiative aimed at positioning our company for success as transportation evolves. With a number of new mobility products already in market, this role will be responsible for executing on opportunities to improve and expand our portfolio.
Responsibilities:
• Product Development – You will be responsible for managing multiple Mobility product form and contract initiatives, including the preparation of filings. You'll analyze information from various resources and be able to make recommendations while working with others across LMMS. You will be innovating with other teams in order to design and develop coverage language for new products in a fast-paced environment.
• Coverage Innovation & Emerging Risk Design – Design and evolve manuscript coverage solutions for emerging mobility and AV exposures. Evaluate novel liability and operational models involving autonomous systems, teleoperation, platform liability, and mixed fleet structures. Partner across underwriting, claims, legal, actuarial, and strategy teams to develop commercially viable and scalable coverage approaches in areas where market standards are still emerging.
• Market/Product Research – You’ll be responsible for answering inquiries related to coverages, forms, manuscripts, and contracts. You will monitor bureau and state legislative activity, evaluating impacts to our existing Mobility products, as well as how competitors address coverage. Your insights on the current and competitor coverage landscape will be key to driving towards our profitability goals.
• Project Management - You will drive and coordinate cross-functional coverage initiatives, working closely with teammates in other functions (including partnerships, underwriting, pricing, and claims) and business units to build on our competitive advantage and enhance our positioning in the marketplace. Typical coverage work will be focused on pursuing new business opportunities, renewing key accounts, building critical capabilities, and building thought leadership in the marketplace.
Ideal candidate:
• Prior product experience with analyzing and drafting commercial insurance policy contracts, as well as preparing filings and responding to objections.
• Experience drafting manuscript coverage language and navigating complex or non-standard insurance structures strongly preferred.
• Project management experience working cross-functionally with multiple stakeholders.
• Prior experience pulling and reviewing competitor filings beneficial.
• Highly developed critical thinking, problem-solving, communication, and presentation skills.
• Prior experience in Claims, Underwriting, and/or Compliance in the insurance industry is helpful.
• Experience with Commercial Auto and/or General Liability products is preferable.
• Experience with emerging mobility, autonomous vehicle, transportation network company (TNC), specialty casualty, or other evolving risk environments is strongly preferred.
• Track record of framing decisions and recommending trade-offs.
• Demonstrated ability to build relationships and influence others (both with and without authority).
• Ability to manage and prioritize multiple initiatives.
Qualifications
About Us
Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role.
At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve.
We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. To learn more about our benefit offerings please visit: https://www.libertymutualgroup.com/about-lm/careers/benefits
Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law.
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At Liberty Mutual, we believe progress happens when people feel secure. For more than 110 years we have helped people and businesses embrace today and confidently pursue tomorrow by providing protection for the unexpected and delivering it with care.
A Fortune 100 company with more than 40,000 employees in 28 countries and economies, we are the ninth largest global property and casualty insurer and generate more than $50 billion in annual consolidated revenue.
We operate through three strategic business units: US Retail Markets, providing auto, home, renters and other personal and small commercial lines property and casualty insurance to individuals and small businesses countrywide; Global Risk Solutions, delivering a full range of comprehensive commercial and specialty insurance, reinsurance and surety solutions to mid-size and large businesses worldwide; and Liberty Mutual Investments, deploying more than $100 billion of long-term capital globally across its integrated platform to drive economic growth, power innovation and secure Liberty Mutual’s promises.
For more information, visit www.libertymutualinsurance.com.
