Penn National Insurance
Commercial Lines Territory Manager
Penn National Insurance
is seeking a motivated and relationship-driven Commercial Lines Territory Manager to strengthen and grow our partnerships with independent insurance agents. This position serves as a key liaison between the company, our agents, and internal underwriting and corporate teams — ensuring mutual success through profitable growth, strategic alignment, and exceptional service delivery.
The ideal candidate will combine strong business acumen with a deep understanding of property and casualty insurance, a consultative approach to relationship management, and the ability to drive results through collaboration and insight.
This position is located in the Birmingham, AL area.
Essential Duties And Responsibilities
Develop the agency force to pre‑qualify, rate, and bind profitable commercial lines business.
Utilize authority to assist agency partners in writing profitable business.
Develop professional working relationships with agents, regional underwriting, and claim teams and corporate departments.
Conduct thorough evaluation of all prospective agents and submit written recommendation to Regional Vice President.
Maintain two‑way communication between agent and company continuously open and viable.
Monitor agency results and follow up with agents regarding growth and compliance with company initiatives, procedures and policies.
Stay alert for and share industry information, new ideas, products, or changes in other carrier philosophies that could positively or adversely affect Penn National Insurance with appropriate colleagues.
Conduct ongoing agency prospecting within territory to create a pipeline of potential future appointments.
Participate in commercial lines rate reviews as requested.
Utilize authority to make consistent underwriting decisions, adhere to company acceptability and pricing philosophies, and promote ease of doing business initiatives with Penn National Insurance.
Profile commercial lines book of business to assist in profitability analysis.
Develop and implement effective agency profitability plans when warranted.
Facilitate agency reviews with other team members to evaluate agent performance relative to established goals and implement corrective actions as needed.
Develop and implement agency action plans to achieve profitability.
Provide training to agency plant on programs, products, services, and systems.
Develop annual agency/company marketing plans.
Analyze territory profitability, premium growth, and agency representation, and implement corrective actions where appropriate.
Apply data to solve common business problems.
Compile, manipulate, and analyze data of varying complexity.
Identify and use appropriate data analysis tools.
Perform other duties as assigned by the President‑Partners Mutual or Regional Vice President.
Direct contact with all levels of branch underwriting and supporting claims service office personnel.
Direct contact with all levels of Home Office Underwriting Operations personnel.
Direct contact with agents and insureds.
Qualifications Education
Four‑year college degree preferred.
Continuing education in specialized insurance courses such as IIA, AU, CPCU, and CIC, and other educational experiences that enhance product knowledge and technical business relations.
Maintenance of an active agent’s P&C license in domiciled state preferred.
Experience
Minimum of three years property/casualty personal lines underwriting and/or marketing experience with a Property and Casualty carrier preferred.
Agency or broker experience with a heavy concentration in underwriting exposure/risk and marketing may substitute for carrier experience.
Technical / Professional Knowledge
Must have technical underwriting knowledge of the commercial lines of business written by Penn National Insurance.
Effective oral and written communication skills, with the ability to communicate information of a highly technical nature.
Proven sales, negotiation and solution‑selling skills.
Working knowledge of agency and Company automation systems, including fundamental knowledge of Microsoft Office Suite.
Exceptional customer service skills.
Good financial analysis skills.
Excellent time management skills.
Strong commercial lines underwriting analysis skills.
Job Requirements (as required by ADA – Americans with Disabilities Act)
Primarily a sedentary position that requires occasional standing and walking throughout the office environment.
Must be able to see and effectively use a computer monitor.
Must be able to operate a computer, keyboard and applicable printers and other general office equipment.
Must be able to access and enter information accurately using automated systems.
Must be able to hear and communicate via telephone and/or monitoring devices to both internal and external clients.
Must be able to present information to individuals and groups.
Must be able to interpret and apply concepts that may or may not be based upon established guidelines.
Must be able to maintain acceptable attendance and adhere to scheduled work hours.
Must have a valid driver’s license and be able to operate a motor vehicle.
Must be able to travel, with overnight stays required.
About Us At Penn National Insurance, we’re on a mission to help people feel secure and make life better when bad things happen. For over 106 years, we’ve been a trusted partner to individuals, families and businesses because we are a mutual insurance company where service and support for our policyholders are at the heart of everything we do.
We’re not just a company—we’re a community united by our core mission to “Make Life Better.” Here, you’ll find a place where your professional growth, success and personal well‑being are our top priorities.
Key Highlights
Benefits and Compensation: Generous 401(k) match, graded profit sharing, incentive compensation, and a wide range of benefits.
Flexibility: Remote and hybrid work options, flexible scheduling and a “dress‑for‑your‑day” culture.
Recognition: Employee recognition programs to honor your contributions.
Only candidates from the following states will be considered for opportunities with Penn National Insurance: Alabama, Delaware, Iowa, Maryland, Minnesota, North Carolina, New Jersey, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, Wisconsin.
We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, creed, sexual orientation, gender identity or expression, pregnancy, age, national origin, disability status, genetic information, protected veteran status, or any other characteristic protected by law. Consistent with the Americans with Disabilities Act and EEOC guidance, it is the policy of Penn National Insurance to provide reasonable accommodations to qualified individuals with disabilities in all aspects of the employment process. If you require a reasonable accommodation in completing this application, interviewing, completing any pre‑employment testing, or otherwise participating in the employee selection process, please direct your inquiries to a HR Business Partner via telephone at 800‑368‑4764, or via email at HRBusinessPartner@pnat.com.
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is seeking a motivated and relationship-driven Commercial Lines Territory Manager to strengthen and grow our partnerships with independent insurance agents. This position serves as a key liaison between the company, our agents, and internal underwriting and corporate teams — ensuring mutual success through profitable growth, strategic alignment, and exceptional service delivery.
The ideal candidate will combine strong business acumen with a deep understanding of property and casualty insurance, a consultative approach to relationship management, and the ability to drive results through collaboration and insight.
This position is located in the Birmingham, AL area.
Essential Duties And Responsibilities
Develop the agency force to pre‑qualify, rate, and bind profitable commercial lines business.
Utilize authority to assist agency partners in writing profitable business.
Develop professional working relationships with agents, regional underwriting, and claim teams and corporate departments.
Conduct thorough evaluation of all prospective agents and submit written recommendation to Regional Vice President.
Maintain two‑way communication between agent and company continuously open and viable.
Monitor agency results and follow up with agents regarding growth and compliance with company initiatives, procedures and policies.
Stay alert for and share industry information, new ideas, products, or changes in other carrier philosophies that could positively or adversely affect Penn National Insurance with appropriate colleagues.
Conduct ongoing agency prospecting within territory to create a pipeline of potential future appointments.
Participate in commercial lines rate reviews as requested.
Utilize authority to make consistent underwriting decisions, adhere to company acceptability and pricing philosophies, and promote ease of doing business initiatives with Penn National Insurance.
Profile commercial lines book of business to assist in profitability analysis.
Develop and implement effective agency profitability plans when warranted.
Facilitate agency reviews with other team members to evaluate agent performance relative to established goals and implement corrective actions as needed.
Develop and implement agency action plans to achieve profitability.
Provide training to agency plant on programs, products, services, and systems.
Develop annual agency/company marketing plans.
Analyze territory profitability, premium growth, and agency representation, and implement corrective actions where appropriate.
Apply data to solve common business problems.
Compile, manipulate, and analyze data of varying complexity.
Identify and use appropriate data analysis tools.
Perform other duties as assigned by the President‑Partners Mutual or Regional Vice President.
Direct contact with all levels of branch underwriting and supporting claims service office personnel.
Direct contact with all levels of Home Office Underwriting Operations personnel.
Direct contact with agents and insureds.
Qualifications Education
Four‑year college degree preferred.
Continuing education in specialized insurance courses such as IIA, AU, CPCU, and CIC, and other educational experiences that enhance product knowledge and technical business relations.
Maintenance of an active agent’s P&C license in domiciled state preferred.
Experience
Minimum of three years property/casualty personal lines underwriting and/or marketing experience with a Property and Casualty carrier preferred.
Agency or broker experience with a heavy concentration in underwriting exposure/risk and marketing may substitute for carrier experience.
Technical / Professional Knowledge
Must have technical underwriting knowledge of the commercial lines of business written by Penn National Insurance.
Effective oral and written communication skills, with the ability to communicate information of a highly technical nature.
Proven sales, negotiation and solution‑selling skills.
Working knowledge of agency and Company automation systems, including fundamental knowledge of Microsoft Office Suite.
Exceptional customer service skills.
Good financial analysis skills.
Excellent time management skills.
Strong commercial lines underwriting analysis skills.
Job Requirements (as required by ADA – Americans with Disabilities Act)
Primarily a sedentary position that requires occasional standing and walking throughout the office environment.
Must be able to see and effectively use a computer monitor.
Must be able to operate a computer, keyboard and applicable printers and other general office equipment.
Must be able to access and enter information accurately using automated systems.
Must be able to hear and communicate via telephone and/or monitoring devices to both internal and external clients.
Must be able to present information to individuals and groups.
Must be able to interpret and apply concepts that may or may not be based upon established guidelines.
Must be able to maintain acceptable attendance and adhere to scheduled work hours.
Must have a valid driver’s license and be able to operate a motor vehicle.
Must be able to travel, with overnight stays required.
About Us At Penn National Insurance, we’re on a mission to help people feel secure and make life better when bad things happen. For over 106 years, we’ve been a trusted partner to individuals, families and businesses because we are a mutual insurance company where service and support for our policyholders are at the heart of everything we do.
We’re not just a company—we’re a community united by our core mission to “Make Life Better.” Here, you’ll find a place where your professional growth, success and personal well‑being are our top priorities.
Key Highlights
Benefits and Compensation: Generous 401(k) match, graded profit sharing, incentive compensation, and a wide range of benefits.
Flexibility: Remote and hybrid work options, flexible scheduling and a “dress‑for‑your‑day” culture.
Recognition: Employee recognition programs to honor your contributions.
Only candidates from the following states will be considered for opportunities with Penn National Insurance: Alabama, Delaware, Iowa, Maryland, Minnesota, North Carolina, New Jersey, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, Wisconsin.
We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, creed, sexual orientation, gender identity or expression, pregnancy, age, national origin, disability status, genetic information, protected veteran status, or any other characteristic protected by law. Consistent with the Americans with Disabilities Act and EEOC guidance, it is the policy of Penn National Insurance to provide reasonable accommodations to qualified individuals with disabilities in all aspects of the employment process. If you require a reasonable accommodation in completing this application, interviewing, completing any pre‑employment testing, or otherwise participating in the employee selection process, please direct your inquiries to a HR Business Partner via telephone at 800‑368‑4764, or via email at HRBusinessPartner@pnat.com.
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