Farm Family P & L Officer Argonaut Management Services, Inc paid time off, 401(k) United States, York, Albany Sep 26, 2026 Company Farm Family 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 distribution-then 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 (0-6 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 (6-18 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: $269,178 - $389,000

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 210-321-8400. Benefits and Compensation We offer a competitive compensation package, performance-based incentives, and a comprehensive benefits program-including 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.