Farm Family P & L Officer

Company

Farm Family specializes in farm and ranch protection with a wide range of products including flexible farm packages business owner policies commercial package workers compensation commercial auto and select personal auto coverage. Farm Family is a leader in serving the Northeast and Mid-Atlantic markets and is pursuing growth across the U.S. The Farm Family entities are wholly-owned subsidiaries of Clearbrook Group Holdings Inc.

Job Description

Head of Small Commercial (P&L Owner Build & Scale)

Mission

Own full financial and strategic performance of the Small Commercial business balancing growth underwriting profitability and capital efficiency while building a scalable market-leading franchise over time.

This leader will initially operate as a matrixed business owner shaping strategy and execution across underwriting pricing claims and distributionthen design justify and stand up a dedicated operating model and team to accelerate performance.

Role Evolution (Critical to Success)

Phase 1: Diagnose Align and Shape (06 months)

Objective: Establish control through influence; define the opportunity and roadmap

• Own small commercial P&L visibility (baseline performance segmentation profitability drivers)
• Diagnose portfolio health:
  • Segment profitability (class size band tenure state channel)
  • Rate adequacy
  • Expense evaluation
  • Claims drivers (severity litigation leakage)
• Evaluate current capabilities:
  • Underwriting (authority consistency referral patterns talent quality)
  • Pricing (rating plans segmentation depth data gaps)
  • Distribution (producer mix productivity concentration appetite clarity)
  • Operations (cycle time STP scalability constraints)
• Identify structural gaps vs. best-in-class small commercial models (speed simplicity segmentation digital enablement)
• Build and socialize Small Commercial Strategy & Operating Model Blueprint:
  • Target segments and appetite
  • Go-to-market and channel strategy
  • Required pricing sophistication
  • Underwriting model (rules vs. judgment)
  • Technology and workflow needs
• Begin influencing:
  • Appetite clarity and tightening/expansion
  • Early pricing or segmentation fixes
  • Distribution focus adjustments

Key Output: business case for investment and operating model evolution

Phase 2: Build & Prove (618 months)

Objective: Stand up capabilities and demonstrate measurable improvement

• Execute approved investment roadmap:
  • Talent (initial hires: product/portfolio analytics underwriting leadership as needed)
  • Pricing/segmentation improvements
  • Workflow/STP enhancements
• Begin formalizing P&L ownership mechanisms:
  • Portfolio steering cadence
  • Rate adequacy governance
  • Exception and authority frameworks
• Deliver early wins:
  • Improved loss ratio through segmentation/pricing
  • Increased quote-to-bind and retention where targeted
  • Reduced cycle times and referral friction
• Establish:
  • Underwriting guidelines and authority aligned to small commercial speed
  • Producer segmentation and targeted growth strategy
  • Claims feedback loop for loss drivers and leakage
• Start building a dedicated small commercial identity internally and externally

Key Output: Demonstrated P&L momentum validation of the model

Phase 3: Scale & Own (18 months)

Objective: Transition to full organizational ownership with reporting structure

• Build and lead a dedicated Small Commercial organization including:
  • Product / Portfolio Management (fully or partially aligned to the vertical)
  • Underwriting teams (fully or partially aligned to the vertical)
  • Analytics / pricing partnership structure
  • Dedicated ops alignment (where scale warrants)
• Assume formal authority over underwriting execution for the segment
• Mature capabilities:
  • Advanced segmentation / pricing sophistication
  • Automated underwriting / STP expansion
  • Digital distribution and platform strategy
• Optimize capital deployment:
  • Reinsurance usage
  • Mix management
  • Expansion into adjacent segments or geographies
• Deliver sustained outperformance vs. plan and market

Key Output: Fully scaled profitable and differentiated small commercial franchise

Primary Responsibilities

Portfolio & Financial Performance

• Own Small Commercial P&L:
  • GWP Earned Premium Loss Ratio Expense Ratio Combined Ratio
  • Growth retention mix/segmentation
• Set and continuously refine appetite:
  • By class size (micro vs. small) industry geography channel
• Drive rate adequacy and pricing sophistication with actuarial:
  • Ensure alignment to loss trend and target returns
• Actively manage:
  • Concentration risk
  • Cat exposure
  • Litigation-prone segments
• Define and outperform annual business plan

Operations & Experience

• Partner with Ops/IT to build a fit-for-purpose small commercial engine:
  • Straight-through processing (STP)
  • Simplified workflows
  • Pre-bind rules and controls
• Improve:
  • Cycle times and responsiveness
  • Data capture quality
• Monitor:
  • NPS / CSAT
  • Referral SLAs
  • Ease-of-doing-business

Claims & Risk Feedback Loop

• Partner closely with Claims to:
  • Understand severity drivers and emerging trends
  • Reduce leakage and improve outcomes
• Embed claims insights into:
  • Pricing
  • Appetite
  • Underwriting rules

People & Organizational Build

• Phase 1:
  • Assess talent across underwriting product and analytics
• Phase 2:
  • Define hiring plan and capability requirements
  • Justify ROI of organizational build-out
• Phase 3:
  • Lead Small Commercial team:
    • Product / Portfolio Leads
    • Underwriting leaders/teams
    • Analytics (direct or aligned)
• Build a culture of:
  • Ownership
  • Data-driven decision-making
  • Speed discipline

Decision Rights (Evolving)

Early (Matrix Authority)

• Influence appetite pricing and underwriting decisions
• Recommend investment priorities
• Drive alignment across functions

Mid (Shared Authority)

• Co-own appetite pricing direction and underwriting frameworks
• Formal role in governance committees

Late (Full P&L Authority)

• Final decision on:
  • Appetite and segmentation
  • Product roadmap
  • Underwriting framework
• Direct control over dedicated small commercial resources

Salary range: $269178 - $389000

PLEASE NOTE:

Applicants must be legally authorized to work in the United States. At this time we are not able to sponsor or assume sponsorship of employment visas.

If you have a disability under the Americans with Disabilities Act or similar state or local law and you wish to discuss potential reasonable accommodations related to applying for employment with us please contact our Benefits Department at .

Benefits and Compensation

We offer a competitive compensation package performance-based incentives and a comprehensive benefits programincluding health dental vision 401(k) with company match paid time off and professional development opportunities.

Core Values

At Clearbrook our Core Values are Integrity Collaboration Pursuit of Excellence and Forward Thinking. These values reflect who we are today and who we aspire to be - guiding how we work how we lead and how we succeed.