Commercial Lines Account Manager

Primary Role
Responsible for the day-to-day servicing, retention, and growth of assigned commercial lines accounts. Works closely with Producers and clients to ensure coverage aligns with risk exposures and agency standards. Grow the book and make it more permanent.

Reports To: Operations Manager

Core Responsibilities

Re-market renewal business in accordance with agency marketing procedures

Deliver proactive client service and maintain strong client relationships

Perform annual account reviews and risk exposure analysis

Identify coverage gaps and recommend appropriate solutions (account rounding/up-selling)

Answer client questions and perform day-to-day service based tasks such as: issuing Certificates of Insurance, answering client questions, and performing changes on existing policies.

Expanded Duties & Expectations

Clearly explain coverage terms, exclusions, and carrier requirements to clients

Prepare and assist Producers for renewal meetings, follow-through on renewal changes

Document all client communications thoroughly in AMS (including coverage discussions and decisions)

Confirm key underwriting representations with clients (e.g., operations, safeguards, compliance)

Coordinate with carriers and underwriters to negotiate favorable coverage and pricing

Assist with claims advocacy and act as liaison between client and carrier

Maintain awareness of carrier appetites, underwriting changes, and market conditions

Ensure timely processing of endorsements, certificates, binders, and policy changes

Manage renewal timelines to avoid lapses in coverage

Support cross-selling initiatives by identifying additional product opportunities

Verify that coverage aligns with the insured’s actual operations and risk exposures

Advise clients of any discrepancies between application information and real-world operations

Provide clear warnings regarding policy conditions (e.g., protective safeguards, warranties)

Help clients understand the impact of non-compliance on claim outcomes

Follow agency procedures to minimize E&O exposure

Qualifications & Education

Industry designations (CISR, CIC, or similar) preferred

Skills & Knowledge

Strong understanding of commercial insurance coverages (Property, GL, WC, Auto, Cyber, Environmental)

Knowledge of underwriting, claims handling, and brokerage operations

Strong communication and client advisory skills

Proficiency with AMS, Outlook, Excel, carrier systems, and document management tools

Ability to manage multiple accounts and deadlines effectively

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