Account Manager - Commercial Lines

Relation Insurance•Fresno, CA

About The Position

The Account Manager manages overall client relationships by providing strategic advice on coverage, risk management, and business needs, ensuring insurance programs align with clients’ long-term goals and growth plans. The role requires staying current on developments in the insurance business and available insurance products. The Account Manager serves as the main client contact, advises on coverage and contractual requirements, develops tailored insurance plans, and represents carriers in assessing and binding coverage as appropriate. The position also manages renewals, proposals, policy documentation, billing communications, claims assistance, audits, and cancellation requests. The role resolves complex service issues, recommends process improvements, and adopts innovative technology, including proprietary AI solutions, to deliver strong client service.

Requirements

Property and Casualty License from the state of domicile, maintained throughout employment.
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/webinar sessions.
In-depth understanding of advanced commercial lines coverage and the ability to advise clients on complex insurance needs.
Excellent written and verbal communication skills for working 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.
Bilingual Spanish and English; required in some locations.

Responsibilities

Serve as the main point of contact for clients, address inquiries, advise on appropriate coverage changes and contractual requirements, and educate clients on 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 the remarketing of renewals strategically to support high account retention rates.
Oversee preparation of client proposals, including submissions, loss evaluations, and risk analyses, ensuring timely and accurate quotations and policies.
Communicate billing and invoicing options.
Prepare insurance summaries and schedules, and produce binders, certificates, policies, endorsements, and related documents.
Assist clients with first reports of claims by obtaining adjusters or arranging a visit from a claims team member.
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 further action.
Review cancellation requests, determine 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.
Identify and resolve complex client service issues quickly.
Adopt innovative technology, including proprietary AI solutions, in the service process.
Perform other assigned projects, duties, and tasks.