Commercial Habitational Leader - MSI

Why MSI? We thrive on solving challenges. As a leading MGA, MSI combines deep underwriting expertise with insurer risk capacity to create specialized insurance solutions that empower distribution partners to meet customers’ unique needs. We have a passion for crafting solutions for the important risks facing individuals and businesses. We offer an expanding suite of products – from fully-digital embedded renters coverage to high-value homeowners insurance to sophisticated commercial coverages, such as cyber liability and habitational property – delivered through agents, brokers, wholesalers and other brand partners. Our partners and customers count on us to deliver exceptional service through a dedicated team that makes rapid resolutions a priority. We simplify the insurance experience through our advanced technology platform that supports every phase of the policy lifecycle. Bring on your challenges and let us show you how we build insurance better. MSI is recruiting a Commercial Habitational Leader to join our growing Commercial Team. This is a senior, market-facing leadership role responsible for managing and overseeing all aspects of MSI's Commercial Habitational business — including product development, revenue growth, reinsurance, underwriting, risk management, and distribution. The Commercial Habitational Leader will define and execute MSI's go-to-market strategy for the habitational segment — spanning apartments, condominiums, mixed-use, and affordable housing — building a market-leading Commercial Habitational business with a fully integrated property and general liability product offering. This individual will serve as the face of the program to both carrier/reinsurance partners and distribution, bringing existing relationships and the vision to build a market-leading program. Key Responsibilities Program Leadership & P&L Ownership Own and lead MSI's Commercial Property and General Liability business end-to-end, with full accountability for revenue growth, P&L performance, and portfolio health. Develop and execute MSI's go-to-market strategy for Commercial Property and General Liability, with habitational as the foundational risk class. Constantly monitor the Commercial Property and General Liability portfolio, ensuring risk is measured and that appropriate capacity caps and rate adjustments are enforced as stipulated in binders and contracts. Lead innovation by bringing unique coverages and differentiators to market that set MSI apart from competitors. Contribute to and align with MSI's broader marketing strategy across the Commercial Team. Product Development & Underwriting Lead the development of MSI's nominal portfolio, including underwriting guidelines, product rules, rates, forms, and coverage enhancements across both Commercial Property and General Liability lines. Serve as the senior underwriting authority for habitational property and general liability risks, providing expertise on risk selection, pricing, terms, and conditions across both lines. Develop and refine underwriting workflows to ensure operational efficiency, consistency, and scalability. Drive continuous product innovation, including coverage enhancements, endorsement development, and appetite evolution in response to market dynamics. Review and approve complex, large, or non-standard submissions within designated authority levels. Reinsurance & Capacity Lead negotiations with reinsurers and capital markets to secure capacity for MSI's Commercial Property and General Liability program. Develop and present a compelling reinsurance narrative that reflects portfolio quality, underwriting discipline, and growth trajectory. Manage and maintain reinsurance relationships, treaty terms, and capacity agreements to support sustainable program growth. Proactively identify and cultivate new carrier and reinsurer partnerships to support diversification and scaling of the program. Provide reinsurance and capacity partners with regular portfolio updates, loss analysis, and strategic reporting. Distribution Development Develop and maintain relationships with wholesale brokers, retail agents, and Baldwin distribution partners — leveraging existing relationships to drive premium growth in partnership with MSI's Sales Leadership. Act as a primary market-facing representative for MSI's Commercial Property and General Liability program at industry conferences, trade events, and client meetings. Represent the program within key industry associations including WSIA (Wholesale & Specialty Insurance Association) and Target Markets Program Administrators Association (TMPAA) . Collaborate with distribution partners on marketing strategy, appetite communication, and submission quality. Team Leadership & Cross-Functional Collaboration Mentor underwriters and product managers to manage day-to-day Commercial Property and General Liability operations and build a high-performing team. Foster a culture of accountability, innovation, and market responsiveness aligned with MSI's MGA of the Future vision. Lead discussions and build strong relationships with MSI's internal cross-functional teams and external vendors to ensure seamless program execution. Establish underwriting workflows, service standards, and training programs to support scalability. Qualifications Required Minimum 10 years of experience in Property and Casualty Insurance, with a significant concentration in Commercial Property and General Liability as a product manager/developer or lead underwriter at a Carrier, MGA, or MGU. Demonstrated experience building a Commercial Property and General Liability program and obtaining reinsurance or carrier capacity. Proven track record of managing P&L, driving revenue growth, and overseeing portfolio performance. Deep underwriting expertise in Commercial Property and General Liability, with the ability to price and structure complex risks. Established carrier and/or reinsurance relationships with admitted and non-admitted markets. Strong financial acumen with the ability to analyze loss data, develop reinsurance narratives, and present performance reporting to senior stakeholders. Excellent communication, negotiation, and presentation skills with a polished, market-facing presence. Demonstrated management experience leading underwriting and/or product teams , including hiring, mentoring, and developing direct reports in a structured team environment. Preferred Experience with Habitational or Real Estate classes of business (apartments, condos, mixed-use, affordable housing). Existing distribution relationships with wholesale brokers, retail agents, or MGA partners active in the Commercial Property and General Liability or habitational space. Active involvement with WSIA and/or Target Markets (TMPAA) , with familiarity in the E&S and program administrator market landscape. General Liability product management or underwriting experience. Commercial Package policy experience, including the ability to structure and manage combined property and liability programs. Familiarity with program administration platforms, policy management systems, and data/analytics tools. Professional designations such as CPCU (preferred) , AU, ARM, or equivalent certifications. #LI-JW1 #LI-REMOTE IMPORTANT NOTICE: This position description is intended to describe the level of work required of the person performing in the role and is not a contract. The essential responsibilities are outlined; other duties may be assigned as needs arise or as required to support the organization. All requirements may be subject to reasonable accommodation to applicants and colleagues who need them for medical or religious reasons. Click here for some insight into our culture!