Product Manager – Autonomous Mobility/ Commercial Auto Insurance

Product Manager – Autonomous Mobility/ Commercial Auto Insurance

Costa Mesa, CA or Dallas, TX

This role is onsite most days in the Costa Mesa office. Relocation assistance may be considered for an exceptional candidate. Fully remote work is not currently planned, although limited flexibility may be explored for an outstanding candidate.

Position Overview The organization does not currently offer commercial auto insurance products and is beginning to define its strategy in this space. This person will serve as the initial product leader for the initiative, helping the business understand the opportunity, evaluate potential paths forward, and build the foundation for a future commercial auto and emerging mobility product organization.

The initial focus will be on light commercial auto and mobility segments that align with the organization’s existing operational and underwriting capabilities. This is not a heavy trucking role. The position will initially be heavily focused on strategy, market analysis, product vision, business cases, and executive alignment before transitioning into broader product development and team-building responsibilities.

Over time, the role is expected to transition from the emerging mobility strategy team into the broader insurance product management organization, potentially within 12 to 36 months as the product vision and operating model take shape.

Key

Responsibilities

• Commercial Auto and Mobility Strategy

• Define the organization’s long-term commercial auto and emerging mobility product strategy.

• Evaluate opportunities across light commercial fleets, connected vehicles, autonomous vehicles, rideshare, delivery, and other evolving mobility models.

• Explain the key differences between personal auto and commercial auto products, including risk, pricing, underwriting, coverage, claims, and operational considerations.

• Develop a clear point of view on how autonomous and connected mobility will impact commercial insurance.

• Monitor emerging mobility trends, competitors, OEM activity, insurance innovation, technology providers, and regulatory developments.

• Identify where the organization can create a differentiated position in the market.

• Business Case and Product Vision

• Develop a practical roadmap for moving from the current state, with no commercial auto product, to a scalable product offering.

• Evaluate potential paths, including building the capability internally, acquiring or partnering with an existing organization, or choosing not to enter specific market segments.

• Analyze the investment, talent, technology, regulatory, operational, and risk requirements associated with each path.

• Prepare recommendations and business cases for executive leadership.

• Sell the product vision to senior executives and create alignment around the recommended strategy.

• Define the capabilities, resources, partnerships, and organizational structure required to execute the strategy.

• Product Design and Insurance Expertise

• Provide expertise on commercial auto product structure, coverage design, underwriting, rating, pricing, and risk selection.

• Partner with actuarial teams to evaluate pricing methodologies, risk models, exposure data, loss trends, and portfolio economics.

• Help determine which commercial auto risks and vehicle types align with the organization’s existing capabilities.

• Identify future coverage needs created by autonomous systems, connected vehicles, fleet operations, and changing liability models.

• Establish the foundation for product governance, regulatory review, underwriting guidelines, and operational processes.

• Support the development of product requirements and implementation plans as the strategy advances.

• Team and Capability Development

• Define the roles and capabilities needed to build a future commercial auto product team.

• Recommend the organizational structure and talent profile required for execution.

• Help recruit and build the team responsible for launching and managing the product.

• Establish relationships across insurance product management, actuarial, underwriting, claims, legal, compliance, technology, operations, and marketing.

• Transition from primarily strategic work into product development and execution as the initiative progresses.

• Partnership and Market Development

• Evaluate potential relationships with OEMs, autonomous vehicle companies, mobility platforms, fleet operators, telematics providers, data companies, and insurance technology partners.

• Assess embedded insurance and partnership-based distribution opportunities.

• Represent the organization in relevant insurance, mobility, and technology discussions.

• Develop external market perspective and bring new insights to internal stakeholders.

• Basic Qualifications

• Bachelor’s degree in business, insurance, finance, economics, management, or a related field; equivalent experience may be considered.

• Significant experience developing or managing commercial auto insurance products.

• Strong understanding of the differences between personal auto and commercial auto insurance.

• Experience with commercial auto pricing, underwriting, actuarial models, risk selection, coverage structures, or portfolio performance.

• Experience developing product strategy, business cases, market-entry plans, or new insurance capabilities.

• Demonstrated ability to operate in an environment where the product, process, and team are still being built.

• Strong understanding of emerging mobility, autonomous vehicles, connected vehicles, telematics, rideshare, delivery, or commercial fleet trends.

• Ability to clearly explain how changes in mobility and vehicle technology may affect insurance products, pricing, underwriting, liability, and claims.

• Proven ability to present recommendations and influence senior executives.

• Strong written, verbal, analytical, and presentation skills.

• Ability to balance strategic thinking with practical execution.

• Ability to work onsite most days in Costa Mesa, California, or relocate to the area.

• Willingness to travel periodically for executive meetings, industry events, and stakeholder discussions.

• Preferred Qualifications

• Experience working with autonomous vehicle companies, OEMs, commercial fleet operators, mobility platforms, telematics providers, or embedded insurance programs.

• Experience with light commercial fleets, delivery vehicles, rideshare, or other emerging commercial mobility segments.

• Experience working with an insurance carrier, insurtech, mobility company, or transportation technology organization.

• Experience launching a new insurance product or building a new insurance capability from the ground up.

• Experience evaluating build, buy, partner, or acquisition strategies.

• Experience with E&S, specialty, non-standard, or other complex insurance products.

• Experience with state insurance filings, regulatory approvals, product governance, or compliance.

• CPCU, AINS, ARM, or another insurance designation.

• Experience building and leading a product management or insurance strategy team.

• What Makes This Opportunity Unique

• Build the commercial auto strategy from the ground up.

• Define how a major insurance organization approaches emerging mobility.

• Work directly with senior executives and influence a significant new business direction.

• Shape the product vision, operating model, partnerships, and future team.

• Help determine whether the organization should build, buy, or partner to enter the market.

• Join at the earliest stage of a long-term commercial auto and autonomous mobility initiative