Product Counsel

Overview

A general insurance provider is seeking a Product Counsel to serve as a legal advisor on product development, insurance regulatory compliance, and strategy. This role partners closely with underwriting and product teams to provide legal guidance on rate, rule, and form matters, draft contract language for coverage enhancements and endorsements, and train business units on legal and regulatory developments.

Responsibilities

• Develop and draft contract language for policies, coverage enhancements, and endorsements for non-standard personal private auto insurance programs across multiple states.
• Analyze and distribute information on insurance industry developments, including regulatory bulletins, legislation, and updates from industry associations.
• Identify and address regulatory and compliance risks proactively.
• Monitor company operations to ensure regulatory compliance.
• Review, revise, and test compliance measures in line with regulatory expectations and best practices.
• Lead initiatives to manage and implement changes required by regulatory and insurance industry authorities.
• Research and respond to internal inquiries regarding regulations, legislation, insurance department policies, and compliance issues.
• Review and approve product and coverage-related marketing materials to ensure accuracy and compliance.
• Provide comprehensive legal review of underwriting guidelines.
• Collaborate with product development teams to address state-specific regulatory issues for new and existing lines of business and assist with product filings.
• Ensure corporate regulatory policies and procedures are documented, implemented, and communicated appropriately.
• Prepare legal opinions and memoranda as requested.
• Perform other duties as assigned.

Requirements

• Juris Doctor (JD) degree from an accredited law school.
• Licensed to practice law in at least one U.S. jurisdiction; California license strongly preferred.
• 7–10 years of legal experience focused on personal automobile insurance products.
• Prior in-house experience with an auto insurance carrier is strongly preferred.
• Strong understanding of personal auto insurance products and state regulatory frameworks.
• Excellent legal research, writing, and communication skills, with the ability to explain complex legal concepts clearly to non-legal stakeholders.
• Strong analytical skills, sound judgment, and a pragmatic approach to problem-solving.
• Ability to adapt and make decisions in a dynamic environment with ambiguity.
• Self-directed, solution-focused, with strong work ethic and business acumen.
• Ability to collaborate cross-functionally to achieve enterprise-wide results.
• Detail-oriented and highly organized.
• Ability to prioritize and complete time-sensitive projects.
• Mature legal judgment and ability to build effective working relationships internally and externally.
• Clear and straightforward communication skills.
• Desire to be a collaborative member of a high-performing team.

Working Conditions

• Position may be based in a professional office environment or remote/hybrid setting.
• Standard business hours with occasional extended hours to meet deadlines or attend meetings.
• Frequent use of computer, phone systems, and claims management software.
• Comfortable navigating multiple systems and screens simultaneously.
• Requires clear verbal communication and active listening skills.
• Fast-paced environment with performance metrics.
• Frequent collaboration with cross-functional teams across time zones; flexibility in scheduling required.
• Occasional travel up to 10–15% to offices, vendor sites, or industry conferences.

Physical Requirements

• Prolonged sitting and computer use up to 8 hours per day.
• Frequent use of hands and fingers for typing, writing, and handling documents.
• Ability to use standard office equipment including computers, phones, printers, and video conferencing tools.
• Ability to read and interpret documents, emails, and computer screens.
• Extended screen time required.
• Clear hearing and speaking ability on the phone for extended periods; headset use common.
• Minimal physical movement; occasional walking or standing.
• Ability to lift up to 15 pounds occasionally (e.g., laptops or presentation materials).

Compensation & Benefits

• Compensation varies based on candidate skills, relevant experience, and location.
• Dependent on selected benefits plan.

Equal Opportunity

Employment decisions are made without regard to race, color, religion, national origin, age, sex, marital status, ancestry, physical or mental disability, veteran status, gender identity, or sexual orientation in accordance with applicable federal and state laws.