Coverage Analyst

Crane Agency; Chesterfield (MO); On-site; USD 85,000 - 110,000; Full time

Benefits offered by this job

Health Insurance

Vision Insurance

401k Matching

Paid Time Off

Flexible Schedule

Training & Development

Job summary

A leading insurance agency based in Chesterfield, MO, is seeking a Commercial Insurance Coverage Specialist. The ideal candidate will have over 10 years of experience in commercial lines insurance and a strong understanding of property and casualty principles. Responsibilities include conducting coverage reviews, advising on insurance requirements, and maintaining documentation. This full-time position offers a hybrid work schedule after initial training, comprehensive benefits, including health insurance, 401(k) matching, and opportunities for professional growth.

Qualifications

• 10+ years of commercial lines insurance experience.
• Demonstrated experience providing multi-line insurance solutions.
• Proficiency in Microsoft Office and familiarity with agency management systems.

Responsibilities

• Conduct in-depth coverage reviews analyzing client risk profiles.
• Advise on insurance requirements within contracts.
• Maintain timely documentation and reporting.

Skills

Commercial lines insurance experience

Property and casualty principles

Analytical and problem-solving skills

Communication abilities

Education

Valid Property & Casualty insurance license

Certified Insurance Counselor (CIC) or Chartered Property Casualty Underwriter (CPCU)

Tools

Microsoft Office Suite

Applied Epic

Job description

Whether you’re new to the industry or beginning a new chapter in your insurance career, we have an opportunity for you.

Founded in 1885, we’re the oldest independent insurance agency west of the Mississippi, and our strength and stability come from our rich history. Today, we continue to protect what matters most by providing tailored insurance solutions to meet business and personal needs.

Why work in insurance?

The insurance industry is full of opportunity. Crane Agency is committed to providing our employees a rewarding place to grow. Our talented team is collaborative, dedicated and passionate about doing our best for our clients and our communities.

Benefits Include:

• Health Insurance
• Vision Insurance
• 401k Matching
• Paid Time Off
• Flexible Schedule
• Hybrid Workplace
• Training & Development
• Charitable Initiatives

Why is Crane different?

When you join Crane Agency, you don’t just become a team member; you will become a pivotal member of our thriving organization and an invaluable collaborator within our extensive network of professionals.

Apply directly below or visit our Indeed page for a comprehensive list of available positions, including remote and hybrid opportunities.

“From our thorough onboarding process, extensive initial training program, continued support and guidance, to our robust benefits package, a career at Crane will not disappoint.”

Beth Roth

Vice President of Human Resources, Crane Agency

Position: Commercial Insurance Coverage Specialist

Location: Chesterfield, MO

Job Id: 135

# of Openings: 0

Do you have a passion for untangling complex insurance coverage questions?

Crane Agency, a leading Insurance Brokerage Agency, seeks a knowledgeable and detail-driven Coverage Specialist I to join our Coverage & Risk Advisory Group in Chesterfield. If you're ready to put your deep property and casualty expertise to work in a role where your insight shapes real outcomes for clients, and where your growth is actively supported, we want to hear from you!

Position snapshot: As a key member of our Coverage & Risk Advisory Group, you'll serve as a trusted resource for our brokers and account management staff, providing expert guidance on property and casualty coverage matters. From conducting in-depth coverage reviews to advising on contract insurance requirements and regulatory obligations, your work will directly help clients align their insurance programs with their unique risk profiles. You'll tackle complex, multi-line scenarios every day, and your expertise will help elevate the entire organization.

What we’re looking for: (Experience/Qualifications)

• 10+ years of commercial lines insurance experience, with a deep understanding of property and casualty principles
• Demonstrated experience providing integrated, multi-line insurance solutions for clients
• Valid resident Property & Casualty insurance license
• Certified Insurance Counselor (CIC) or Chartered Property Casualty Underwriter (CPCU), or equivalent designation preferred
• Proficiency in Microsoft Office Suite and familiarity with agency management systems; Applied Epic experience is a plus

Personal characteristics:

• Highly detail-oriented with strong analytical and problem-solving skills
• Excellent written, verbal and interpersonal communication abilities
• Able to translate complex technical information into clear, understandable terms for diverse audiences
• Service-oriented, professional, positive and collaborative attitude
• Strong organizational, time-management and prioritization skills
• Adaptable and resilient to change; able to manage work under pressure and tight deadlines
• Self-motivated and capable of working independently
• Committed to continuous learning and professional growth

What you’ll be doing: (Job Duties/Essential Functions)

• Conduct in-depth coverage reviews of insurance programs, analyzing client risk profiles to evaluate exposures, and then prepare deliverables and present findings to brokers and account teams
• Analyze policy language to explain insuring agreements, terms, conditions, limitations and exclusions, and identify coverage gaps and problematic provisions within client programs
• Advise on insurance requirements within contracts (e.g., leases, vendor agreements, service contracts) and guide clients on what they should contractually require of third parties for effective risk transfer
• Advise on regulatory and statutory insurance requirements, supporting compliance navigation across jurisdictions and providing guidance on operational changes that may impact risk exposure
• Perform comparative analyses of insurance programs, policy forms and endorsement options, including specialized analyses
• Contribute to the development of tools, training materials and resources to improve team consistency and elevate coverage knowledge
• Maintain timely documentation and reporting to support departmental metrics
• Health, vision, dental and life insurance effective the first month following the hire date
• 401(k) with up to 4% 401(k) matching
• Paid time off, paid holidays, and early leave on Fridays and holiday eves
• Eligibility for annual profit sharing
• Financial support for job-related education and certification

Schedule:

Full-time position, Monday to Friday

Location:

Chesterfield, MO 63017; in-office presence with possible hybrid option after training.

Why Crane Agency?

Here, you're not just joining a team—you're becoming a part of a leading insurance organization.

We understand that our strength lies in our people. Our environment encourages collaboration and dedication, and we're passionate about delivering the best for our clients and communities. With "Dress for Your Day" attire, you can work in comfort, whether that's gearing up for a key meeting or dressing down to focus on projects. Plus, with an onsite espresso machine, your best work is fueled by your best brew.

At Crane, your growth is our commitment. You'll be able to advance your career through clear paths supported by resources like paid training for certifications and educational advancement. Join us and become a pivotal member of a thriving, passionate community, making real impacts every day.