Account Manager - Commercial Lines
About The Position
The Account Manager, Small Business Unit manages client relationships for small commercial accounts, providing strategic advice on coverage, risk management, and business needs. The role ensures each client’s insurance program aligns with long-term goals and growth plans, while staying informed about insurance products and developments. The Account Manager serves as clients’ primary contact, partners in developing insurance plans, acts as a field underwriter and authorized carrier representative, and manages renewal remarketing. The role also oversees proposals and policy documentation, supports clients with claims reporting, conducts policy reviews and audits, handles cancellation requests, and identifies process improvements. It requires adopting innovative technology, including proprietary AI solutions, to deliver client service.
Requirements
- Maintain a Property and Casualty license from the state of domicile.
- High school diploma or equivalent.
- At least 5 years of insurance account management experience, 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 with 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; may be required in some locations.
Responsibilities
- Serve as the primary client contact, address inquiries, advise on coverage changes and contractual requirements, and explain 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 high account retention.
- Oversee client proposals, including submissions, loss evaluations, and risk analyses, and ensure timely, 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, obtain adjusters or arrange claims-team visits, and facilitate prompt carrier responses to expedite settlements.
- Review policies during renewals and audits, verify accuracy, execute necessary corrections, and communicate significant audit discrepancies to clients.
- 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.
- Adopt innovative technology, including proprietary AI solutions, in the service process.
- Perform other assigned projects, duties, and tasks.
Benefits
- Family health and wellness programs
- 401(k)
- Employee assistance programs
- Paid time off
- Paid holidays
- Career advancement and development opportunities
- Competitive pay
- Potential eligibility for a discretionary annual incentive program
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
High school or GED
