Commercial Lines Account Manager

Anderson, Bagley & Mayo Insurance Agency, Inc.; Leominster (MA); Hybrid; USD 65,000 - 85,000; Full time

Benefits offered by this job

Full Benefits

Job summary

Anderson, Bagley & Mayo Insurance Agency Inc. in Leominster, MA is seeking a Commercial Lines Account Manager to manage a $2.5M assigned book for habitational, contractor and manufacturing accounts.

You will serve as primary service contact, coordinate with producers and carriers, and help clients understand coverage and exposures. You will deliver timely service to support client retention and appropriate coverage, while building long-term agency relationships and maintaining accurate

Qualifications

• Active Massachusetts Property and Casualty insurance producer license, maintained in good standing, and completion of applicable continuing education requirements.
• At least three years of commercial lines account management or closely related agency or insurance company experience.
• Working knowledge of commercial coverage forms, endorsements, underwriting submissions, certificates, policy checking and premium audits; familiarity with Massachusetts commercial insurance practices and markets.
• Ability to interpret policy language, identify coverage concerns, explain insurance clearly and recognize when an issue requires management, carrier or specialist review.
• Strong organization, attention to detail and follow-through; ability to manage competing deadlines and communicate professionally with clients and carrier representatives.
• Proficiency with an agency management system, carrier portals, ACORD forms, Microsoft Office and electronic document workflows.

Responsibilities

• Respond to client questions, explain coverage terms, limits, deductibles and exclusions, and document recommendations and client decisions.
• Begin renewal reviews in accordance with agency timelines, typically 90–120 days before expiration. Gather updated exposures, loss runs, payroll, sales, property values and schedules; identify changes and discuss coverage needs with the producer and client.
• Prepare complete applications and underwriting submissions. Obtain and compare quotations from carriers and wholesalers, summarize material differences, and prepare renewal proposals.
• Process new business, renewals, endorsements, cancellations, reinstatements and binders within agency procedures and carrier authority. Verify issued policies against requested coverage and follow through on corrections.
• Issue certificates and evidence of insurance accurately. Confirm additional insured, waiver of subrogation, primary and noncontributory, and cancellation notice provisions against policy endorsements; elevate requests that exceed coverage or authority.
• Maintain complete records, correspondence, suspense items and follow-up activity in the agency management system. Follow agency errors and omissions procedures and protect confidential client information.
• Assist with premium audits, billing questions, financing and collection follow-up. Coordinate claim reporting and status inquiries with carriers, and refer coverage determinations to the insurer.
• Support producers with account reviews, new account onboarding and relevant additional coverage opportunities. Maintain productive relationships with underwriters, wholesalers and agency colleagues.

Skills

Commercial lines account management

Client service

Communication skills

Organization

Education

Massachusetts Property and Casualty license

CISR

CIC

CRM designation

CPCU designation

Tools

Applied Epic

AMS360

ACORD forms

Microsoft Office

Job description

Agency: Anderson, Bagley & Mayo Insurance Agency Inc.

Location and work arrangement: [Leominster, MA] | On-site or Hybrid

Reports to: [Agency Principal]

Position and compensation: Full time -$65K to $85K+ Commission[Full Benefits]

Position Summary

Commercial Lines Account Manager

Agency: Anderson, Bagley & Mayo Insurance Agency Inc.

Location and work arrangement: [Leominster, MA] | On-site or Hybrid

Reports to: [Agency Principal]

Position and compensation: Full time -$65K to $85K+ Commission[Full Benefits]

Position Summary

Manage a $2.5M assigned book of commercial insurance accounts specializing in habitational properties, contractors and manufacturers. Serve as the primary service contact for clients, coordinate with producers and insurance carriers, and help clients understand their coverage and changing exposures. Deliver accurate, timely service that supports client retention, appropriate coverage and long-term agency relationships.

Account Management Responsibilities

• Respond to client questions, explain coverage terms, limits, deductibles and exclusions, and document recommendations and client decisions.
• Begin renewal reviews in accordance with agency timelines, typically 90–120 days before expiration. Gather updated exposures, loss runs, payroll, sales, property values and schedules; identify changes and discuss coverage needs with the producer and client.
• Prepare complete applications and underwriting submissions. Obtain and compare quotations from carriers and wholesalers, summarize material differences, and prepare renewal proposals.
• Process new business, renewals, endorsements, cancellations, reinstatements and binders within agency procedures and carrier authority. Verify issued policies against requested coverage and follow through on corrections.
• Issue certificates and evidence of insurance accurately. Confirm additional insured, waiver of subrogation, primary and noncontributory, and cancellation notice provisions against policy endorsements; elevate requests that exceed coverage or authority.
• Maintain complete records, correspondence, suspense items and follow-up activity in the agency management system. Follow agency errors and omissions procedures and protect confidential client information.
• Assist with premium audits, billing questions, financing and collection follow-up. Coordinate claim reporting and status inquiries with carriers, and refer coverage determinations to the insurer.
• Support producers with account reviews, new account onboarding and relevant additional coverage opportunities. Maintain productive relationships with underwriters, wholesalers and agency colleagues.

Responsibilities by Account Type

• Habitational accounts: Service apartment buildings, condominium associations and other residential property accounts. Review building valuations, replacement cost, business income or rental value, ordinance or law, equipment breakdown, water damage, vacancy and premises liability exposures. Coordinate lender requirements and recommend flood, umbrella and other coverage when appropriate.
• Contractor accounts: Review operations, subcontractor use, payroll, sales and job exposures. Evaluate general liability, ongoing and completed operations, workers compensation, commercial auto, umbrella, contractors equipment and builders risk needs. Review insurance requirements in contracts, verify required endorsements, and coordinate subcontractor insurance documentation without providing legal advice.
• Manufacturing accounts: Review products, processes, locations, raw materials, inventory, machinery and distribution exposures. Evaluate property, business income, equipment breakdown, products and completed operations liability, workers compensation, commercial auto and umbrella coverage. Identify cyber, pollution, product recall and cargo exposures for further review with producers and specialist markets.

Required Qualifications

• Active Massachusetts Property and Casualty insurance producer license, maintained in good standing, and completion of applicable continuing education requirements.
• At least three years of commercial lines account management or closely related agency or insurance company experience, including experience servicing one or more of the account types described above.
• Working knowledge of commercial coverage forms, endorsements, underwriting submissions, certificates, policy checking and premium audits; familiarity with Massachusetts commercial insurance practices and markets.
• Ability to interpret policy language, identify coverage concerns, explain insurance clearly and recognize when an issue requires management, carrier or specialist review.
• Strong organization, attention to detail and follow-through; ability to manage competing deadlines and communicate professionally with clients and carrier representatives.
• Proficiency with an agency management system, carrier portals, ACORD forms, Microsoft Office and electronic document workflows.

Preferred Qualifications

• Experience with all three specialties, larger or complex commercial accounts, surplus lines placements and layered umbrella or excess programs.
• Experience with Applied Epic, AMS360 or a comparable agency management system. CISR, CIC, CRM or CPCU designation, or progress toward a designation, preferred.

Performance Expectations

Performance is evaluated on timely renewal preparation, account retention, service responsiveness, accuracy of policy and certificate work, complete documentation, follow-through on open items and effective teamwork. Specific goals and service standards will be established by agency management.

Working Environment and Equal Opportunity

Work involves regular computer and telephone use, client and carrier communication, and occasional client meetings or site visits as assigned. Essential duties may be performed with reasonable accommodation. The agency is an equal opportunity employer.