Account Manager - Personal Lines

Relation Insurance•Charlotte, NC

About The Position

The Account Manager manages client relationships by providing strategic advice on insurance coverage, risk management, and business needs, ensuring insurance programs align with clients’ long-term goals and growth plans. The role requires maintaining knowledge of insurance products and developments in the insurance business. The Account Manager serves as a primary client contact, supports the development and management of insurance plans, assesses and binds coverage as appropriate, and oversees renewals, proposals, policy documents, audits, and claims support. The position also involves resolving complex service issues, identifying process improvements, and adopting innovative technologies, including proprietary AI solutions, to provide a high-quality client service experience.

Requirements

State Property and Casualty License for 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 personal lines.
Strong analytical and mathematical skills.
Strong PowerPoint and presentation skills for in-person and teleconference or webinar sessions.
In-depth understanding of advanced personal lines coverage and the ability to advise clients about complex insurance needs.
Excellent written and verbal communication skills for maintaining 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.
Bilingual Spanish/English; 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 the remarketing of renewals to support high account retention rates.
Oversee client proposals, including submissions, loss evaluations, and risk analyses, ensuring accurate and timely 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 initial claim reports, including 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 completed.
Communicate significant audit discrepancies to clients and determine appropriate follow-up action.
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.
Identify and resolve complex client service issues promptly.
Adopt innovative technology, including proprietary AI solutions, in the service process.
Perform other projects, duties, and tasks as assigned.