Commercial Account Representative

Key Responsibilities

• Manage a book of middle market and large commercial insurance accounts from renewal through policy servicing.
• Serve as the primary point of contact for clients, providing responsive service and building long-term relationships.
• Cook up renewals, policy changes, endorsements, certificates of insurance, audits, and other account servicing activities.
• Prepare, review, and present renewal proposals and coverage recommendations.
• Market new and renewal business to insurance carriers and negotiate competitive pricing, terms, and coverage enhancements.
• Develop and maintain strong relationships with carrier partners and underwriters.
• Prepare comprehensive marketing submissions, including underwriting narratives, exposure information, and supporting documentation.
• Collaborate closely with producers to develop account strategies and identify opportunities to strengthen client insurance programs.
• Analyze carrier quotations and provide coverage comparisons and recommendations.
• Stay current on carrier appetites, underwriting guidelines, market conditions, and emerging commercial insurance products.
• Maintain accurate client records and documentation within the agency management system.
• Ensure all client service and marketing activities are completed accurately and within established timelines.

Qualifications

• Minimum of 5 years of experience as a Commercial Insurance Account Representative, Account Manager, or similar client-facing role.
• Required: Proven commercial insurance marketing experience, including marketing new and renewal business directly to insurance carriers.
• Demonstrated experience handling Real Estate, healthcare, or Construction accounts within the Middle Market and Large Account segment.
• Experience working directly with underwriters to negotiate pricing, coverage, and program structure.
• Strong knowledge of commercial property, general liability, umbrella, workers' compensation, professional liability, and other commercial insurance products.
• Excellent customer service, communication, and relationship management skills.
• Strong analytical, organizational, and problem-solving abilities.
• Ability to manage multiple priorities in a fast-paced environment while maintaining exceptional attention to detail.
• Proficiency with Applied Epic
• Active Property & Casualty License required or preferred, depending on state requirements.
• Experience working with national and regional insurance carriers.
• Knowledge of complex commercial placements and alternative risk solutions.
• Professional designations such as CISR, CIC, CRM, or CPCU are a plus.