Account Manager - Commercial Lines

Relation Insurance•Sacramento, CA

About The Position

The Account Manager manages the overall client relationship by providing strategic advice on coverage, risk management, and business needs, ensuring that each client's insurance program aligns with long-term goals and growth plans. The role requires staying knowledgeable about developments in the insurance business and available insurance products. The Account Manager serves as the primary client contact, advises on coverage and insurance plans, acts as a field underwriter and authorized representative of insurance carriers, and manages renewal remarketing. The role oversees proposals and policy documentation, supports clients with billing and claims, reviews policies and audits, addresses cancellation requests, and resolves complex service issues. The Account Manager also monitors industry developments, recommends process improvements, and adopts innovative technology, including proprietary AI solutions, to support client service.

Requirements

Active Property and Casualty License from the state of domicile, which must be maintained.
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 for effective relationships with clients, coworkers, carriers, vendors, and others.
Proficiency in Microsoft Office, primarily 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.
Spanish-English bilingual ability; required in some locations.

Responsibilities

Serve as the main point of contact for clients, address inquiries, advise on coverage changes and contractual requirements, and educate clients about policy exclusions and exposures.
Partner in the strategic development of 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 high account retention rates.
Oversee client proposals, submissions, loss evaluations, and risk analyses, ensuring timely and accurate quotations and policies.
Communicate billing and invoicing options.
Prepare summaries of insurance and schedules, and produce binders, certificates, policies, endorsements, and related documents.
Assist clients with first reports of claims by obtaining adjusters or arranging visits from claims team members.
Facilitate prompt responses from carriers and their staff 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 further action.
Review cancellation requests, determine the reasons, and attempt to retain client accounts while maintaining the company's financial integrity.
Stay informed about industry developments, products, legislation, coverage options, and technological advancements.
Recommend process improvements as needed.
Identify and resolve complex client service issues quickly.
Adopt innovative technology, including proprietary AI solutions, into the service process.
Perform other projects, duties, and tasks as assigned.