Job Description
Job DescriptionCommercial Lines Account Manager
Employment Type: Full-Time
Job Location: Modesto, California
Location: Hybrid
We are seeking an experienced, proactive, and detail-oriented Commercial Lines Account Manager to join our clients' growing commercial insurance team. In this role, you will be the primary point of contact for a diverse portfolio of commercial clients, ranging from middle-market businesses to complex enterprise accounts. You will manage client relationships, drive policy renewals, execute remarketing strategies, coordinate risk management initiatives, and collaborate closely with our Producers and underwriting partners.
The ideal candidate possesses deep technical expertise in Property and Casualty (P&C) commercial insurance products, exceptional communication skills, and a demonstrated track record of retention and relationship-building. If you thrive in a fast-paced environment where your industry expertise translates directly to client success, we encourage you to apply.
Detailed Roles and Responsibilities
The Commercial Lines Account Manager is responsible for the full lifecycle of client management, ensuring technical accuracy, regulatory compliance, and exceptional service delivery across all assigned accounts.
1. Portfolio & Relationship Management
- Serve as the dedicated day-to-day advisor for assigned commercial clients, addressing inquiries regarding coverage, policy terms, billing, and risk exposures.
- Conduct thorough annual policy and exposure reviews to identify coverage gaps, operational changes, and opportunities for account rounding.
- Maintain strong working relationships with carrier underwriters, wholesale brokers, and program administrators to advocate for competitive client terms and pricing.
- Educate clients on evolving commercial risks, including cyber liability, employment practices, supply chain disruption, and business interruption.
2. Renewal Strategy & Remarketing
- Initiate the renewal process 90 to 120 days prior to expiration by gathering updated exposures, loss runs, financial data, and client risk profiles.
- Prepare complete, professional submission packets and distribute them to appropriate standard and surplus lines markets.
- Negotiate terms, conditions, deductibles, and premiums with carrier underwriters to secure optimal placement for the client.
- Create detailed coverage comparison spreadsheets and professional client proposal presentations highlighting program modifications, market trends, and recommendations.
- Deliver renewal proposals to clients either independently or in partnership with the Producer, ensuring timely binding prior to expiration.
3. Policy Administration & Technical Execution
- Process endorsements, policy changes, cancellations, and reinstatements accurately and within agency service-level standards.
- Review all issued policies, endorsements, and audits against carrier binders and proposals to detect and correct discrepancies immediately.
- Issue Certificates of Insurance (COIs), Evidence of Property Insurance, and auto identification cards, ensuring strict compliance with complex contract requirements and agency guidelines.
- Assist clients with premium audits, disputed audit adjustments, and carrier audit negotiations.
- Maintain comprehensive, accurate client files and documentation in the Agency Management System (AMS) according to corporate workflows and compliance procedures.
4. Claims Advocacy & Risk Management
- Facilitate the initial reporting of commercial property, general liability, workers' compensation, and professional liability claims to carriers.
- Act as an intermediary between the insured and claims adjusters, monitoring claim progress, advocating for timely resolutions, and updating clients regularly.
- Coordinate with internal risk engineering or carrier loss control teams to implement safety recommendations and risk mitigation strategies for clients.
- Prepare loss summary reports and participate in stewardship meetings with key accounts.
Qualifications and ExperienceRequired Qualifications
- Active Property & Casualty (P&C) Insurance License in good standing.
- Minimum of 3 to 5+ years of dedicated commercial lines account management experience within an independent insurance agency or brokerage.
- Comprehensive technical knowledge of standard commercial coverages: Commercial General Liability, Commercial Property, Commercial Auto, Workers' Compensation, Umbrella/Excess Liability, Professional Liability (E&O/D&O), and Cyber Liability.
- Demonstrated proficiency in Agency Management Systems (e.g., Applied Epic, AMS360, HawkSoft, or EZLynx).
- Advanced skills in Microsoft Office Suite, specifically Excel (formulas, comparisons) and Word.
- High school diploma or equivalent required.
Preferred Qualifications
- Bachelor’s degree in Risk Management, Insurance, Business Administration, or a related discipline.
- Professional industry designations (e.g., CIC, CPCU, CISR, CRM, ARM, or AAI).
- Experience managing middle-market or large accounts with annual premium volumes exceeding $500,000.
- Familiarity with wholesale brokerage markets, surplus lines placement, and specialty risk programs.
Core Competencies for Success
- Analytical Precision: Exceptional attention to detail in reviewing policy forms, exclusions, endorsements, and numerical calculations.
- Communication Excellence: Strong verbal and written communication skills with the ability to convey complex insurance concepts clearly to business owners and executives.
- Negotiation Acumen: Proven capability to negotiate terms effectively with underwriters to secure favorable outcomes for clients.
- Time Management: Ability to prioritize competing deadlines, manage high-volume renewal pipelines, and respond promptly to urgent client requests.
- Problem-Solving: Resourceful and proactive in addressing coverage ambiguities, audit discrepancies, and claim disputes.
Compensation and Benefits
We offer a competitive compensation structure along with a comprehensive benefits package designed to support the financial, health, and professional well-being of our team members:
- Compensation: Competitive annual base salary commensurate with experience, plus annual performance bonus opportunities.
- Health & Wellness: Comprehensive Medical, Dental, and Vision insurance plans with employer contribution; Health Savings Account (HSA) and Flexible Spending Account (FSA) options.
- Retirement: 401(k) retirement plan with an immediate employer matching program.
- Paid Time Off: Generous PTO policy, paid company holidays, floating holidays, and paid volunteer time.
- Life & Disability: Employer-paid Group Life Insurance, Short-Term Disability (STD), and Long-Term Disability (LTD).
- Professional Growth: Full tuition and examination reimbursement for continuing education, professional designations (CIC, CPCU, etc.), and license renewals.
- Work Flexibility: Hybrid working arrangements available after initial onboarding.