Commercial Lines Account Manager

Lathrop Insurance; Cranston (RI); On-site; USD 60,000 - 95,000; Full time

Job summary

Lathrop Insurance is seeking a Commercial Lines Account Manager to manage a diverse book of business—from professional services to real estate portfolios and construction firms—while serving as the primary client contact for renewals, endorsements, certificates, and marketing strategy.

You will collaborate with a producer to market, retain, renew, and service commercial client accounts, ensuring top-tier service and accurate processing in Applied Epic.

Qualifications

• 2+ years of commercial Property & Casualty experience (agency or brokerage setting).
• RI / CT P&C License required (or ability to obtain quickly).
• Proficiency with agency management systems (Applied Epic preferred).
• Strong verbal and written communication — confident with clients and carrier partners.
• Highly organized with excellent attention to detail.
• Ability to prioritize, pivot quickly, and maintain poise under pressure.
• Experience with middle-market accounts ($5K–$50K revenue per account) preferred.

Responsibilities

• Act as the main point of contact for assigned commercial clients.
• Respond promptly to requests for coverage clarification, certificates, billing, claims support, and policy changes.
• Anticipate client needs and proactively advise on holistic, risk management solutions.
• Conduct comprehensive pre-renewal reviews for assigned accounts, including how to fill gaps in coverage.
• Collaborate with producers on larger accounts; independently manage smaller accounts.
• Prepare and present renewal proposals, binders, and comparisons clearly and confidently directly to clients.
• Process endorsements, cancellations, and audits accurately through Applied Epic.
• Work with underwriters and marketing reps to negotiate coverage terms, pricing, and retention strategies for new and renewing clients.
• Identify gaps or outdated coverage and recommend program enhancements.
• Submit new business and renewal submissions, including applications and loss run analysis.

Skills

Commercial P&C knowledge

Client relationship management

Strong communication

Organizational skills

Carrier negotiation

Education

RI/CT P&C License

Tools

Applied Epic

Job description

Location: Westerly, RI, Cranston, RI or New London, CT

Reports to: Commercial Lines Leader, James Kane

Lathrop Insurance is a fourth-generation, family-owned agency that protects businesses and families across New England. We deliver tailored insurance programs through trusted relationships, strategic insight, and a relentless focus on retention and service. If you are solutions-driven, detail-oriented, and want to grow with a high-performing team, we want to hear from you.

Position Summary

As a Commercial Lines Account Manager, you will manage a diverse book of business — from professional services to real estate portfolios and construction firms — overseeing accounts with multiple coverages, entities, and locations. You will serve as the primary client contact, responsible for renewals, endorsements, certificates, marketing strategy, and client communications. You will work alongside a producer to market, retain, renew, and service commercial client accounts.

The ideal candidate brings strong technical insurance knowledge, excellent communication skills, organization, and a sense of urgency. You understand the “why” behind coverage and compliance, and you are passionate about using technology to do your best work. You’re confident in communicating with clients and comfortable negotiating with carriers — someone who takes ownership and delivers results.

Key Responsibilities:

Client Relationship & Service

• Act as the main point of contact for assigned commercial clients.
• Respond promptly to requests for coverage clarification, certificates, billing, claims support, and policy changes.
• Anticipate client needs and proactively advise on holistic, risk management solutions.

Policy Management & Renewal Execution

• Conduct comprehensive pre-renewal reviews for assigned accounts, including how to fill gaps in coverage.
• Collaborate with producers on larger accounts; independently manage smaller accounts.
• Prepare and present renewal proposals, binders, and comparisons clearly and confidently directly to clients.
• Process endorsements, cancellations, and audits accurately through Applied Epic.
• Work with underwriters and marketing reps to negotiate coverage terms, pricing, and retention strategies for new and renewing clients.
• Identify gaps or outdated coverage and recommend program enhancements.
• Submit new business and renewal submissions, including applications and loss run analysis.

Process & Technology

• Maintain accurate client records and activity logs in Applied Epic.
• Ensure all activities comply with regulatory requirements and internal procedures.
• Use technology to streamline service, standardize outputs, and improve turnaround time.
• Participate in continuous improvement of workflows and cross-team communication.

What We’re Looking For:

Core Values:

All team members embody our 5 Core Values:

• We Care – We care about our clients, our community, our carriers, and each other.
• Solutions Driven – We look for a solution to every challenge.
• Teamwork – We work as a team to achieve our objectives.
• Do What You Say – We keep our commitments
• Always Be Growing – Every day in every way we get a little better.

Qualifications

• 2+ years of commercial Property & Casualty experience (agency or brokerage setting)
• RI / CT P&C License required (or ability to obtain quickly)
• Proficiency with agency management systems (Applied Epic preferred)
• Strong verbal and written communication — confident with clients and carrier partners
• Highly organized with excellent attention to detail
• Ability to prioritize, pivot quickly, and maintain poise under pressure
• Experience with middle-market accounts ($5K–$50K revenue per account) preferred

Preferred Qualifications

• Experience working with regional MGAs and surplus lines carriers
• Understanding of coastal property, contractors, nonprofits, or real estate portfolios
• Prior involvement in account rounding, risk assessment, or stewardship meetings
• Competitive salary with performance bonus
• 401(k) with employer match
• Generous paid time off plus holidays
• Continuing education and professional development, licensing and education support
• Opportunity to grow within a respected and forward-thinking agency
• Collaborative and supportive team environment