Legal Senior Product Specialist

Crum & Forster Company Overview:

Crum & Forster (C&F), with a proud history dating to 1822, provides specialty and standard commercial lines insurance products through our admitted and surplus lines insurance companies. C&F enjoys a financial strength rating of "A+" (Superior) by AM Best and is proud of our superior customer service platform. Our claims and risk engineering services are recognized as among the best in the industry.

Our most valuable asset is our people: more than 2000 employees in locations throughout the United States. The company is increasingly winning recognition as a great place to work, earning several workplace and wellness awards, including the 2024 Great Place to Work Award for our employee-first focus and our steadfast commitment to diversity, equity and Inclusion.

C&F is part of Fairfax Financial Holdings, a global, billion dollar organization.

For more information about Crum & Forster, please visit our website:

Job Description:

Senior Product Specialist

As part of the Legal/Product Management team, you will collaborate with all stakeholders by engaging perspectives, influences, and partnerships within the team, the division, the company, and with our policyholders and business partners. You will:

• Act as member of the product development "service window" team to assist applicable business segments in developing new and revised products in a timely fashion for the Construction and Commercial Auto industries;
• Conduct customer engagements that will ensure new product solutions are solving market challenges; and
• Facilitate legal, underwriting and claims review of product changes and enhancements.

What you will do:

Admitted & Non-admitted Business

• Develop and maintain companies' coverage forms, endorsements, and rules for proprietary and bureau-based commercial insurance products.
• Manage complex product development projects for all lines of business and products (admitted and non-admitted) and collaborate with Underwriting, Claims, Legal, Actuarial, and Regulatory members to produce final, high quality insurance products.
• Draft manuscript endorsements, as requested by underwriting segments that provide needed coverage changes while maintaining the integrity of the policy structure.
• Keep abreast of bureau circulars for all applicable lines of business.
• Collaborate with the Regulatory Compliance team to assess and implement revisions to proprietary products or exceptions to bureaus' products in response to regulatory changes or requirements. Provide guidance to field staff regarding products and new or revised regulatory requirements.

Responsibilities – Applicable Line(s) of Business

• Complete required checklists for form and rule filings and provide certification attestations for forms' compliance, where necessary.
• Complete Flesch Test scoring and revise policy forms, as necessary.
• Provide complete filing package in an organized, well-written manner.
• Provide prompt and well-written responses to state insurance departments' interrogatories.

What you will bring to C&F:

• Bachelor's Degree.
• CPCU designation or other related course work, or actively pursuing such is preferred.
• Extensive knowledge of primary and surplus lines insurance products.
• Minimum of 3+ years' insurance product development or underwriting experience in the Construction and Commercial Auto industries, including demonstrated expertise in the review and drafting of insurance policy forms.
• Excellent development and analysis of policy forms is required.
• Proven research and analytical skills.
• Knowledge of ISO and AAIS products is a must.
• Knowledge of ISO form structure and grammar rules is highly preferred.
• Knowledge in the Construction and Sharing Economy (Commercial Auto) industries is highly preferred.
• Knowledge of SERFF / I-FILE is highly preferred.
• Outstanding written and verbal communication skills.
• Strong organizational and interpersonal skills.
• Pro-active problem solver.
• High degree of accuracy and attention to detail in a fast-paced environment.
• Comfortable presenting at company/industry events.
• Experience in building great internal or external customer relationships that focus on gaining actionable insights and forming collaborative partnerships with the goal of innovation, product improvement, or ease of use.
• Proficient in Microsoft Office, and knowledge of legal research engines (e.g. OneSumX NILS INsource; OneSumX NILS State Filing).

What C&F will bring to you:

• Competitive compensation package
• Generous 401K employer match
• Employee Stock Purchase plan with employer matching
• Generous Paid Time Off
• Excellent benefits that go beyond health, dental & vision. Our programs are focused on your whole family's wellness, including your physical, mental and financial wellbeing
• A core C&F tenet is owning your career development, so we provide a wealth of ways for you to keep learning, including tuition reimbursement, industry-related certifications and professional training to keep you progressing on your chosen path
• A dynamic, ambitious, fun and exciting work environment
  We believe you do well by doing good and want to encourage a spirit of social and community responsibility, matching donation program, volunteer opportunities, and an employee-driven corporate giving program that lets you participate and support your community

At C&F you will BELONG

If you require special accommodations, please let us know. We are committed to equal employment opportunity and welcome everyone regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity, or Veteran status. If you require special accommodations, please let us know. Belonging at C&F, is a mindset. It's about fostering a culture of inclusion and connection, where everyone feels valued, heard, and empowered to thrive and where our social impact efforts help strengthen the communities where we live and work.

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Crum & Forster is committed to ensuring a workplace free from discriminatory pay disparities and complying with applicable pay equity laws. Salary ranges are available for all positions at this location, taking into account roles with a comparable level of responsibility and impact in the relevant labor market and these salary ranges are regularly reviewed and adjusted in accordance with prevailing market conditions. The annualized base pay for the advertised position, located in the specified area, ranges from a minimum of $66,900.00 to a maximum of $110, The actual compensation is determined by various factors, including but not limited to the market pay for the jobs at each level, the responsibilities and skills required for each job, and the employee's contribution (performance) in that role. To be considered within market range, a salary is at or above the minimum of the range. You may also have the opportunity to participate in discretionary equity (stock) based compensation and/or performance-based variable pay programs.