Job Description

Commercial Lines Account Manager - Small Business Unit

Position Summary: We are seeking a dedicated and detail-oriented Commercial Lines Account Manager to join our Small Business Unit team. The ideal candidate will be responsible for managing and servicing a book of small business accounts, focusing on the day-to-day client relationships, renewals, policy changes, and claims. This position requires a strong understanding of commercial insurance products, excellent communication skills, and the ability to provide exceptional customer service to small business clients.

Key Responsibilities:

1. Client Relationship Management:

   • Serve as the primary point of contact for small business clients regarding all aspects of their commercial insurance policies.

   • Build and maintain strong, long-term relationships with clients, brokers, and underwriters.

   • Address client inquiries and resolve any issues related to policies, coverage, or claims in a timely manner.

2. Policy Management:

   • Review and maintain client insurance policies to ensure they are up-to-date and meet the client’s business needs.

   • Handle the renewal process, including gathering information, preparing renewal proposals, and securing coverage.

   • Process policy changes, endorsements, and cancellations.

   • Ensure that all documentation and client records are accurate and up-to-date in the agency management system.

3. Underwriting & Risk Management:

   • Assist clients in understanding their coverage needs and provide guidance on risk management strategies.

   • Work with underwriters to obtain quotes, negotiate terms, and provide solutions tailored to clients' unique requirements.

   • Help clients evaluate the risks associated with their business operations and recommend appropriate insurance coverage.

4. Claims Support:

   • Assist clients with the claims process, ensuring prompt reporting and resolution.

   • Liaise with insurance carriers, claims adjusters, and clients to ensure claims are handled efficiently.

   • Track and follow up on outstanding claims to ensure timely settlement and client satisfaction.

5. Sales and Cross-Selling:

   • Identify opportunities for cross-selling additional lines of coverage or recommending upgrades to existing policies.

   • Work closely with the sales team to support business development and client retention efforts.

   • Assist in the preparation of proposals and presentations to prospective clients.

6. Compliance and Documentation:

   • Ensure all activities comply with industry regulations, company policies, and legal requirements.

   • Maintain accurate records, ensure timely follow-ups, and update client files as needed.

   • Provide support for audits and internal reviews as necessary.

Qualifications:

• Education: Bachelor’s degree or equivalent work experience in insurance, business, or related field.

• Experience: Minimum of 2-3 years of experience in commercial lines insurance, preferably in a small business or retail environment.

• Licenses/Certifications: State insurance license in property and casualty (or ability to obtain within a designated time).

• Skills:

  • Strong knowledge of commercial insurance products, including property, liability, workers’ compensation, and business auto.

  • Exceptional organizational, communication, and customer service skills.

  • Proficiency in using agency management systems and Microsoft Office Suite.

  • Ability to manage multiple priorities and deadlines.

  • Strong problem-solving skills and a proactive approach to client service.

Additional Desired Skills:

• Experience working with small business clients is a plus.

• Bilingual abilities may be beneficial, depending on the region.

• CPCU, ARM, or other professional insurance designations are a plus but not required.

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