Commercial Lines Account Manager

Synectics Inc.; Leominster (MA); Hybrid; USD 90,000 - 150,000; Full time

Benefits offered by this job

Comprehensive Benefits Package

Job summary

Synectics Inc. in Leominster, MA is seeking an experienced Commercial Lines Account Manager to oversee a $2.5 million book focusing on habitational properties, contractors, and manufacturing businesses.

You will act as the primary client contact, manage renewals, coverage reviews, and coordination with carriers and producers. The role requires 3+ years in commercial lines account management, Massachusetts P&C license, and strong knowledge of policies, endorsements, and premium audits.

Qualifications

• Active Massachusetts Property & Casualty insurance producer license in good standing.
• Minimum of 3 years of commercial lines account management experience or closely related insurance industry experience.
• Experience servicing commercial insurance accounts, preferably involving habitational properties, contractors, or manufacturing businesses.
• Strong understanding of commercial insurance policies, coverage forms, endorsements, underwriting submissions, certificates of insurance, and premium audits.
• Familiarity with Massachusetts commercial insurance markets and practices.
• Ability to interpret policy language, identify potential coverage gaps, and communicate insurance-related information effectively.
• Excellent organizational, multitasking, communication, and client relationship management skills.
• Proficiency with agency management systems, carrier portals, ACORD forms, Microsoft Office, and electronic documentation workflows.

Responsibilities

• Manage an assigned book of approximately $2.5 million in commercial insurance accounts focused on habitational, contractor, and manufacturing businesses.
• Serve as the primary point of contact for clients, handling day-to-day account servicing, renewals, coverages, and carrier coordination.
• Prepare applications and submissions, obtain carrier quotations, compare options, and present renewal proposals.
• Process new business, renewals, endorsements, cancellations, and binders.
• Review issued policies for accuracy and coordinate corrections.
• Maintain accurate client records and follow-up activities in the agency management system.
• Assist with premium audits, billing inquiries, and collection follow-ups.
• Coordinate claims reporting and status inquiries with carriers.
• Collaborate with producers, underwriters, wholesalers, and team members to support retention and growth.

Skills

Commercial insurance knowledge

Client relationship management

Organizational skills

Communication skills

Education

Massachusetts Property & Casualty license

Tools

Applied Epic/AMS360

Job description

Location: Leominster, MA

Work Arrangement: Hybrid

Employment Type: Full-Time

Salary: Annually, plus commission

Benefits: Comprehensive Benefits Package

Position Overview

• We are seeking an experienced Commercial Lines Account Manager to manage an assigned book of approximately $2.5 million in commercial insurance accounts, with a focus on habitational properties, contractors, and manufacturing businesses.
• The Account Manager will serve as the primary point of contact for assigned clients, overseeing day-to-day account servicing, policy renewals, coverage reviews, and coordination with insurance carriers and producers.
• Manage and service an assigned portfolio of commercial insurance accounts, ensuring client satisfaction and retention.
• Serve as the primary contact for client inquiries, explaining coverage terms, policy limits, deductibles, exclusions, and endorsements.
• Initiate renewal reviews approximately 90-120 days before policy expiration, gathering updated exposure information, loss runs, payroll, sales figures, property values, and other underwriting details.
• Prepare insurance applications and underwriting submissions, obtain carrier quotations, compare coverage options, and present renewal proposals.
• Process new business, renewals, endorsements, cancellations, reinstatements, and binders in accordance with agency and carrier procedures.
• Review issued policies for accuracy and coordinate corrections when discrepancies arise.
• Issue certificates of insurance and evidence of coverage, ensuring compliance with applicable policy endorsements and contractual insurance requirements.
• Maintain accurate client records, correspondence, documentation, and follow-up activities within the agency management system.
• Assist with premium audits, billing inquiries, financing arrangements, and collection follow-ups.
• Coordinate claims reporting and status inquiries with insurance carriers.
• Collaborate with producers, underwriters, wholesalers, and internal team members to support account retention and identify additional coverage opportunities.

Account Specialties

• Habitational Insurance
• Service apartment buildings, condominium associations, and other residential property accounts.
• Review property valuations, replacement costs, business income, rental value, ordinance or law, equipment breakdown, water damage, and liability exposures.
• Coordinate lender insurance requirements and identify additional coverage needs, including flood and umbrella insurance.
• Contractor Insurance
• Review contractor operations, subcontractor relationships, payroll, sales, and project exposures.
• Evaluate general liability, workers' compensation, commercial auto, umbrella, contractors equipment, and builders risk coverage.
• Review contractual insurance requirements and verify appropriate endorsements.
• Coordinate subcontractor insurance documentation.
• Manufacturing Insurance
• Review manufacturing operations, products, processes, facilities, inventory, machinery, and distribution exposures.
• Evaluate property, business income, equipment breakdown, products liability, workers' compensation, commercial auto, and umbrella coverage.
• Identify additional exposures involving cyber liability, pollution, product recall, and cargo insurance.

Required Qualifications

• Active Massachusetts Property & Casualty insurance producer license in good standing.
• Minimum of 3 years of commercial lines account management experience or closely related insurance industry experience.
• Experience servicing commercial insurance accounts, preferably involving habitational properties, contractors, or manufacturing businesses.
• Strong understanding of commercial insurance policies, coverage forms, endorsements, underwriting submissions, certificates of insurance, and premium audits.
• Familiarity with Massachusetts commercial insurance markets and practices.
• Ability to interpret policy language, identify potential coverage gaps, and communicate insurance-related information effectively.
• Excellent organizational, multitasking, communication, and client relationship management skills.
• Proficiency with agency management systems, carrier portals, ACORD forms, Microsoft Office, and electronic documentation workflows.
• The ideal candidate will have strong commercial insurance knowledge, excellent client service skills, and the ability to manage complex accounts while maintaining strong client relationships.

Preferred Qualifications

• Experience managing complex commercial insurance accounts and larger books of business.
• Exposure to surplus lines placements and layered umbrella or excess insurance programs.
• Experience with Applied Epic, AMS360, or similar agency management software.
• Professional insurance designations such as CISR, CIC, CRM, or CPCU, or progress toward obtaining one.