Teresa has worked in the Property & Casualty insurance industry for more than 25 years, over 20 of them are with Nationwide. She has experience in both staff office and field roles in Pricing, Underwriting, Strategy, Product Management and Product Development. While she has extensive experience in Personal Lines, Teresa also has several years of Commercial Lines pricing and product experience. Teresa currently leads the Personal Lines Product Development team responsible for the development of new and innovative products for all Personal Lines that are technology driven or pricing segmentation advancements. In this role she leads program development for Nationwide’s industry leading SmartRide and SmartMiles UBI programs, Nationwide’s smart home programs and other programs focused on mobility changes. Teresa has a passion for utilizing data and analytics, new technology and solutions, and combining that with Nationwide’s full product suite to create new products and services that meet and exceed our members changing needs.