Senior Commercial Lines Account Manager

The Senior Commercial Lines Account Manager owns the service relationship for a generalist book of mid-sized to large commercial clients across a range of industries. They handle renewals, marketing, coverage analysis and day-to-day servicing, and they act as the main point of contact between clients, producers and carriers.

The role works with considerable independence, handles complex and high-premium accounts, and mentors junior account managers and assistants. It reports to the Commercial Lines Service Manager or Director.

Key responsibilities

Account management and client service

• Serve as the primary service contact for an assigned book of commercial accounts.
• Build lasting client relationships through proactive communication, stewardship meetings and annual coverage reviews.
• Handle mid-term changes: endorsements, certificates of insurance, additional insureds, auto ID cards and evidence of property.
• Resolve billing, audit and coverage questions with clients and carriers.

Renewals and marketing

• Manage the full renewal cycle, starting 90 to 120 days before expiration.
• Gather exposure data, update applications and prepare submissions for carriers and wholesalers.
• Market accounts, negotiate terms and pricing with underwriters, and compare quotes.
• Prepare proposals and renewal summaries, and present them to clients alongside or on behalf of producers.

Coverage analysis and risk management

• Review policies for accuracy against quotes, binders and client needs.
• Identify coverage gaps, exposures and cross-sell opportunities, and recommend solutions.
• Advise clients on lines including property, general liability, auto, workers' compensation, umbrella, professional liability, cyber and management liability.

Producer partnership and leadership

• Partner with producers on new business, prospect submissions and account strategy.
• Mentor and train account managers and account assistants; review their work on complex accounts.
• Act as a technical resource for the commercial lines team.

Compliance and documentation

• Keep all client activity documented in the agency management system.
• Follow E&O procedures, including coverage declinations and client sign-offs.
• Assist with claims advocacy and loss-run requests.

Qualifications

Required

• High school diploma or equivalent (minimum).
• 5+ years of commercial lines account management experience at an agency, brokerage or carrier.
• Active state Property & Casualty license, or the ability to obtain one within 90 days of hire.
• Proven ability to manage a book of middle-market accounts, including renewals and remarketing.
• Strong working knowledge of commercial coverage forms, endorsements and underwriting practices.
• Experience with an agency management system such as Applied Epic, AMS360 or Vertafore Sagitta.

Preferred

• Bachelor's degree in business, finance, risk management or a related field.
• Professional designations such as CIC, CRM, CPCU, AAI or CISR.
• Experience servicing a generalist book across a range of industries, such as construction, transportation, real estate, manufacturing and professional services.
• Experience marketing accounts through wholesale and E&S markets.
• Prior experience mentoring or supervising service staff.

Skills and competencies

• Technical expertise: reads and interprets complex policy language, contracts and insurance requirements.
• Negotiation: secures competitive terms and pricing from underwriters.
• Client communication: explains coverage clearly, in writing and in person, to business owners and executives.
• Organization: manages multiple renewals and deadlines across a large book without missing details.
• Problem-solving: resolves service issues quickly and escalates appropriately.
• Leadership: coaches junior staff and models best practices.
• Technology: proficient in Microsoft Office, carrier portals and comparative rating tools.

Compensation, benefits and work environment

• Salary: $115,000 to $145,000 per year, based on experience.
• Incentives: (Bonus, retention or new-business incentive, if applicable).
• Benefits: medical, dental and vision insurance; 401(k) with match; paid time off and holidays; paid licensing and designation costs; continuing education support.
• Work arrangement: Hybrid or remote, full-time, standard business hours with occasional client meetings outside the office.