Commercial Insurance Senior Account Manager

The Senior Account Manager will oversee complex commercial accounts, coordinate policy renewals, evaluate insurance coverage needs, and collaborate with internal teams and insurance carriers to deliver exceptional client service. Commercial Account Management Oversee a portfolio of large and complex commercial insurance accounts, including accounts with annual premiums exceeding $200,000.

Title: Commercial Insurance Senior Account Manager
Status: Full-Time | Hybrid
Location: Hamilton, New Jersey
Salary: $100,000 - $120,000
Visa Sponsorship: Not Available

Position Overview
We are seeking an experienced Commercial Insurance Senior Account Manager for an established independent insurance brokerage in Hamilton, NJ.
This position is ideal for a commercial insurance professional who enjoys managing sophisticated client portfolios, providing strategic insurance guidance, and developing long-term business relationships.
The Senior Account Manager will oversee complex commercial accounts, coordinate policy renewals, evaluate insurance coverage needs, and collaborate with internal teams and insurance carriers to deliver exceptional client service.
The position offers a hybrid work arrangement after the initial 90 days.

Department: Commercial Lines
Reports To: Director of Client Services - Commercial Lines
Work Schedule: Full-time, with hybrid flexibility after 90 days

Key Responsibilities
Commercial Account Management

• Oversee a portfolio of large and complex commercial insurance accounts, including accounts with annual premiums exceeding $200,000.
• Coordinate client onboarding, policy renewals, endorsements, and ongoing account servicing.
• Evaluate insurance policies and recommend coverage adjustments based on client needs and business exposures.
• Address sophisticated coverage questions, billing discrepancies, policy audits, and certificate of insurance requirements.
• Manage insurance compliance requirements associated with construction programs, including OCIP and CCIP.
• Review contractual insurance provisions and advise clients on coverage obligations and potential exposures.

Risk Management & Client Advisory

• Identify potential operational, financial, and liability exposures affecting commercial clients.
• Recommend appropriate insurance solutions and risk mitigation strategies.
• Partner with producers, claims specialists, and risk management professionals to improve clients' overall cost of risk.
• Analyze insurance programs and assist with developing coverage proposals and renewal strategies.
• Advocate for clients when resolving insurance carrier concerns, policy discrepancies, or coverage issues.

Client Relationships & Business Development

• Establish productive relationships with commercial clients, insurance carriers, and internal stakeholders.
• Support account retention through responsive communication and proactive service.
• Identify opportunities to expand existing client relationships through additional insurance products and services.
• Assist producers with new business opportunities and insurance program development.
• Resolve service challenges professionally while maintaining strong client satisfaction.

Leadership & Operational Excellence

• Provide guidance, coaching, and technical support to commercial lines account management personnel.
• Contribute to process improvements involving insurance documentation, account workflows, and client service practices.
• Maintain accurate records and account documentation within Applied Epic.
• Lead or participate in departmental discussions, carrier meetings, and technical training sessions.
• Stay informed about insurance industry developments, coverage changes, and emerging commercial risks.
• Complete additional projects and responsibilities as assigned.

Required Qualifications

• Active Property & Casualty (P&C) Insurance License.
• Minimum 10 years of commercial insurance account management experience within an insurance agency or risk management environment.
• Proven experience managing complex commercial accounts with premiums of $200,000 or more.
• Extensive knowledge of commercial property, casualty, liability, and specialty insurance products.
• Strong understanding of insurance policy structures, coverage interpretation, and commercial risk exposures.
• Experience evaluating client risks and recommending appropriate insurance coverage and loss prevention strategies.
• Advanced proficiency with Applied Epic agency management software.
• Experience using insurance carrier rating platforms and preparing insurance proposals.
• Ability to analyze policy premiums, audits, billing discrepancies, and insurance calculations.
• Strong customer relationship management and conflict resolution abilities.
• Excellent written and verbal communication skills, including professional documentation and correspondence.
• Proficiency with Microsoft Office applications.
• Strong organizational, analytical, and problem-solving abilities.
• Ability to independently manage multiple priorities in a deadline-driven environment.
• Demonstrated leadership capabilities and willingness to mentor team members.
• Ability to perform computer-based work for extended periods, with occasional standing and walking.

Preferred Qualifications

• Bachelor's degree in Business, Finance, Insurance, Risk Management, or a related discipline.
• Chartered Property Casualty Underwriter (CPCU) designation, completed or in progress.
• Associate in Risk Management (ARM) designation, completed or in progress.
• Additional professional insurance certifications or specialized commercial lines training.

Key Skills Required

• Commercial Insurance Account Management: Experience servicing large, sophisticated commercial insurance portfolios.
• Applied Epic: Advanced knowledge of agency management workflows, documentation, and account servicing.
• Insurance Coverage Analysis: Ability to interpret complex policies, identify coverage gaps, and recommend appropriate solutions.
• Risk Assessment: Strong understanding of commercial exposures and risk reduction strategies.
• Client Relationship Management: Ability to maintain trusted relationships with clients and insurance carriers.
• Renewal & Policy Administration: Experience coordinating renewals, endorsements, audits, and coverage negotiations.
• Leadership & Mentorship: Ability to support junior team members and improve departmental performance.

Benefits

• Paid Time Off (PTO).
• 401(k) retirement plan with employer matching contributions.
• Profit-sharing plan.
• Flexible scheduling options.
• Hybrid work arrangement after 90 days of employment.

Why This Location?
Hamilton, New Jersey offers a convenient Central New Jersey location with access to major employment centers, outdoor activities, and cultural attractions.

• Convenient Location: Situated between Philadelphia and New York City, with access to major highways and regional transportation.
• Outdoor Recreation: Enjoy nearby parks, walking trails, golf courses, and recreational areas, including Veterans Park and Mercer County Park.
• Dining & Entertainment: Explore local restaurants, shopping destinations, and entertainment options throughout Mercer County.
• Cultural Attractions: Visit Grounds For Sculpture, nearby Princeton, and historic sites throughout the region.
• Lifestyle Benefits: Enjoy suburban neighborhoods with convenient access to major metropolitan amenities.