Account Manager - Commercial Lines

Relation Insurance•Newark, DE

11d

About The Position

The Account Manager, Small Business Unit manages client relationships for small commercial accounts, providing strategic advice on insurance coverage, risk management, and business needs. The role ensures that clients’ insurance programs align with their long-term goals and growth plans while keeping current on developments in the insurance business and available products. The Account Manager serves as the main client contact and works with clients, insurance carriers, and internal teams to assess coverage needs, support renewals and claims, and deliver responsive service.

Requirements

Maintain a Property and Casualty License from the state of domicile.
High school diploma or equivalent.
At least 5 years of account management experience in the insurance industry, focused on commercial lines.
Strong analytical and mathematical skills.
Strong PowerPoint and presentation skills for in-person and teleconference or webinar sessions.
In-depth understanding of advanced commercial lines coverage and ability to advise clients on complex insurance needs.
Excellent written and verbal communication skills.
Proficiency with Microsoft Office, particularly Excel and Word.
Computer literacy and ability to learn new software applications.
Intermediate to advanced knowledge of insurance markets, products, services, insurance ratings, and underwriting procedures.
Valid driver’s license, ability to travel to client sites, and reliable transportation.

Nice To Haves

Insurance designations such as AINS, CIC, CPCU, or ARM.
Four-year degree.
Bilingual Spanish and English; this may be required in some locations.

Responsibilities

Serve as the main point of contact for clients, responding to inquiries, advising on coverage changes and contractual requirements, and explaining policy exclusions and exposures.
Partner in developing insurance plans tailored to client needs.
Act as a field underwriter and authorized representative of insurance carriers to assess and bind coverage as appropriate.
Manage renewal remarketing strategically to support account retention.
Oversee client proposals, submissions, loss evaluations, and risk analyses, ensuring quotations and policies are accurate and timely.
Communicate billing and invoicing options.
Prepare insurance summaries and schedules, and produce binders, certificates, policies, endorsements, and related documents.
Assist clients with initial claim reports by obtaining adjusters or arranging visits from claims team members.
Facilitate prompt carrier responses to expedite claim settlements.
Review policies during renewals and audits, verify accuracy, and ensure necessary corrections are made.
Communicate significant audit discrepancies to clients and determine appropriate next steps.
Review cancellation requests, identify reasons, and attempt to retain accounts while maintaining the company’s financial integrity.
Stay informed about industry developments, products, legislation, coverage options, and technology.
Recommend process improvements as needed.
Adopt innovative technology, including proprietary AI solutions, in the service process.
Perform other assigned projects, duties, and tasks.