Commercial State Filings Analyst

Department:

Job Description:

The State Filings Analyst is responsible for implementing rate, rule, and policy form revisions. This role prepares and submits filings to insurance regulators, responds to related inquiries, and coordinates the release of materials that communicate regulatory changes across the organization.

Work Arrangement:

• Employees who live within 30 miles of the TMG home office are expected to follow a hybrid or in-office schedule. The initial training period may require additional in‑office days.

Accountabilities:

Rate, Rule & Form Filings

• Prepare and submit forms, rates, and rules to state Departments of Insurance using SERFF and I-File systems.

• Partner with Commercial Lines staff to develop or acquire supporting documentation for filing submissions.

• Complete required filing components, including explanatory memoranda, forms lists, filing checklists, and other supporting documents.

• Develop filing strategies to support efficient implementation of admitted products.

• Coordinate activities related to ISO, NCCI, and other bureau rate, rule, and form adoptions.

• Negotiate filing approvals with assigned state insurance regulators.

• Communicate the status of pending and approved regulatory filings to internal stakeholders.

• Maintain a comprehensive repository of current and historical regulatory filings.

• Keep state-specific manuals and documentation current for use by Actuarial and other departments.

• Execute filings with a high degree of accuracy and attention to detail, consistent with established quality control and peer review practices.

Compliance

• Consolidate compliance updates from advisory organizations, trade associations, bureaus, and DOIs, and maintain the Compliance Tracking tool for assigned lines of business.

• Provide project-based support to the compliance unit as needed.

• Conduct ad hoc legal research related to filing laws and regulatory requirements.

• Perform other duties as assigned.

• Collaborate closely with peer analysts to review filings, share procedural knowledge, and support consistent execution across the team.

Qualifications:

• Bachelor’s degree in business, Finance, Risk Management, Legal Studies, or equivalent experience.
• 2+ years of experience in insurance regulatory compliance, product management, or a similar insurance industry role.
• Experience preparing and submitting rate, rule, and form filings using SERFF and/or similar state filing systems.
• Strong understanding of property & casualty insurance products, rating principles, and regulatory requirements.
• Demonstrated ability to interpret statutes, regulations, and insurance department bulletins.
• Excellent analytical, research, and problem-solving skills.
• Strong written communication skills with the ability to draft clear and concise memoranda and regulatory responses.
• Ability to manage multiple projects and meet deadlines in a fast‑paced, evolving regulatory environment.
• Experience working with ISO, NCCI, and/or insurance bureau updates.
• Prior experience in product development, underwriting, actuarial support, or policy form drafting.
• Familiarity with compliance tracking systems or document-management tools.
• Regulatory negotiation experience with state DOI reviewers.
• Advanced Excel skills, including using functions, pivot tables, or structured data sets.

Pay Range:

Anticipated Hiring Range:

• $51,600 - $75,000 annual base salary depending on experience, qualifications, and geographic location 

Benefits:

We are proud to offer our full-time regular employees a robust benefits suite that includes:

• Competitive base salary plus incentive plans for eligible team members

• 401(K) retirement plan that includes a company match of up to 6% of your eligible salary

• Free basic life and AD&D, long-term disability and short-term disability insurance

• Medical, dental and vision plans to meet your unique healthcare needs

• Wellness incentives

• Generous time off program that includes personal, holiday and volunteer paid time off

• Flexible work schedules and hybrid/remote options for eligible positions

• Educational assistance

Equal Opportunity Employer

The Mutual Group is an Equal Opportunity Employer. It is our policy to recruit, hire, train and promote individuals in all job classifications without regard to race, color, religion, sex, national origin, age, veteran status, disability, sexual orientation, gender identity or any other characteristic protected by law.

• Know Your Rights: Workplace Discrimination is Illegal

• Your Rights Under USERRA

Applicants requiring a reasonable accommodation due to a disability at any stage of the employment application process should contact [email protected].

Employment Verification

The Mutual Group participates in the E-Verify program and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S. You are protected from employment discrimination based on your citizenship status and national origin.

E-Verify Program Overview

E-Verify Participation Poster

All offers of employment are contingent upon the successful completion of a background check.

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