Insurance Commercial Lines Account Manager

Job Description

Job Description

Benefits:

• Bonus based on performance
• Competitive salary
• Health insurance
• Opportunity for advancement
• Paid time off
• 401(k)
• 401(k) matching

EMAR Insurance is seeking an experienced Commercial Lines Account Manager to manage a book of large and complex commercial accounts. This position is responsible for overseeing the complete account-management process, including renewals, marketing, coverage analysis, binding, and ongoing client service.

The Account Manager will work closely with clients, agency leadership, carrier underwriters, and wholesale brokers to develop appropriate insurance programs and keep every account moving on schedule.

Job Responsibilities

• Manage an assigned book of large and complex commercial accounts
• Serve as a primary contact for clients, carrier underwriters, and wholesale brokers
• Lead the renewal process from the initial exposure review through binding
• Gather applications, property schedules, loss information, payrolls, sales figures, and other underwriting data
• Prepare complete and accurate new-business and renewal submissions
• Market accounts to standard carriers, wholesale brokers, and surplus lines markets
• Review and compare quotations, coverage forms, exclusions, deductibles, limits, and premiums
• Prepare detailed renewal proposals and coverage comparisons for clients
• Identify coverage gaps and recommend appropriate insurance solutions
• Coordinate commercial property, general liability, commercial auto, workers’ compensation, umbrella, and excess liability coverage
• Assist with layered property and excess liability programs when required
• Handle endorsements, certificates of insurance, audits, billing matters, cancellations, and claims assistance
• Review policies and endorsements for accuracy after issuance
• Track subjectivities, signatures, payments, inspections, and other binding requirements
• Maintain complete and accurate documentation in the agency-management system
• Monitor renewal timelines and follow up on outstanding items well in advance of expiration
• Build strong relationships with clients, underwriters, wholesalers, and other insurance partners
• Provide timely, accurate, and professional service throughout the policy term

Qualifications

• Minimum of five years of commercial lines account management experience
• Experience managing large, middle-market, or complex commercial accounts
• Strong knowledge of commercial property, general liability, commercial auto, workers’ compensation, and umbrella/excess liability
• Ability to read and understand policy forms, endorsements, exclusions, limits, and deductibles
• Experience managing the complete renewal process from gathering exposure information through binding
• Experience preparing carrier submissions, reviewing quotations, and presenting coverage comparisons
• Familiarity with wholesale brokers, surplus lines placements, and layered insurance programs
• Strong written and verbal communication skills
• Excellent organizational, time-management, and problem-solving abilities
• High level of accuracy, urgency, and attention to detail
• Ability to manage multiple complex accounts and deadlines independently
• Professional and confident when working with clients, underwriters, and wholesale brokers
• Comfortable using agency-management systems, carrier portals, and Microsoft Office
• Active Florida 2-20 insurance license, or the ability to obtain the appropriate license
• Experience with real estate, construction, hospitality, equine, or multi-state risks is a plus
• CISR, CIC, CRM, CPCU, or another professional insurance designation is a plus

Benefits and What We Offer

• Competitive base salary based on experience
• Performance-based bonus opportunities
• Employer-paid health insurance with $0 employee contribution
• 401(k) plan with employer contribution
• Paid vacation and personal time
• Paid holidays
• Flexible work schedule
• Hybrid or remote-work opportunities after training for qualified employees
• Employer-paid licensing and continuing education
• Paid professional development and industry designations
• Agency-paid membership in professional insurance organizations
• Modern technology and agency-management systems
• An established book of business with no cold calling or sales quotas
• Direct access to agency leadership
• Opportunity for advancement as the agency grows
• Long-term job stability
• Supportive, professional work environment
• Employee referral bonus opportunities

About the Opportunity

This is not an entry-level or order-taking position. We are looking for an experienced commercial insurance professional who can think ahead, solve problems, and take ownership of important accounts without constant supervision.

The right candidate will understand that accuracy, urgency, communication, and follow-through are essential when managing large commercial clients.

Job Type: Full-time
Compensation: Competitive and based on experience

If you have the technical knowledge and account-management experience to handle sophisticated commercial risks, we encourage you to apply. Please submit your résumé along with a brief description of the types and sizes of commercial accounts you have managed.

Flexible work from home options available.