Product Counsel (P&C Insurance Experience Required)

MSIG USA continues to grow! 

Company Overview:

MSIG USA is the US-based subsidiary of MS&AD Insurance Group Holdings, Inc., one of the world’s top P&C carriers and a global Class 15 insurer, with A+ ratings and a reach that spans 40+ countries and regions. Leveraging our 350-year heritage, MSIG USA brings the financial strength, expertise, and global footprint to offer commercial insurance solutions that address your business’s unique risks.

Position Summary

We are seeking a skilled and experienced attorney to join our team as a Product Counsel. In this pivotal role, you will collaborate closely with underwriting, actuarial, claims, and regulatory teams to draft, review, and enhance insurance policies, endorsements, and related forms. Your expertise will ensure that our product offerings are legally sound, compliant with applicable regulations, and aligned with market trends. The ideal candidate will bring deep technical knowledge of management liability, professional liability and general liability products and the legal and regulatory nuances that impact their development and deployment.

Key Responsibilities

• Policy Drafting & Review: Draft, review, and amend insurance policies, endorsements, and related documents to ensure clarity, compliance, and alignment with underwriting intent.
• Product Development Collaboration: Work closely with underwriting and product development teams to create and refine insurance products, ensuring they meet market needs and regulatory standards.
• Competitive Analysis: Analyze competitor insurance policies to provide insights and recommendations for product enhancements and differentiation.
• Training & Guidance: Provide training and guidance to underwriting, claims, and other internal teams on policy language, coverage intent, and regulatory requirements.
• Stakeholder Engagement: Build and maintain collaborative relationships with internal stakeholders, including underwriting, actuarial, claims, and regulatory teams, to support product development initiatives.
• Continuous Improvement: Contribute to continuous improvement strategies to position the company as a technical leader in the underwriting domain.

Qualifications

• Education: Juris Doctor (JD) degree from an accredited law school.
• Experience:
  • 5+ years of experience in insurance law, with a focus on product development, underwriting, or claims.
  • Demonstrated expertise in management liability, professional liability and general liability is required.
  • Strong analytical and problem-solving abilities.
  • Excellent written and verbal communication skills.
  • Ability to collaborate effectively with cross-functional teams.
  • Detail-oriented with strong organizational skills.
• Licensing: Active membership in a state bar association.

Preferred Qualifications

• Experience with P&C and Specialty products.
• Familiarity with form/rate filing processes and regulatory requirements.
• Proficiency in enhancing existing processes and feedback loops.

It's an exciting time for our company and a great opportunity to join a financially sound and growing global insurance group!  

It is the policy of MSIG USA to provide equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state or local law. In addition, MSIG USA will provide reasonable accommodations for qualified individuals with disabilities.