Sr. Account Manager, Commercial Risk

Position Summary

The Senior Account Manager is an advanced professional who serves as a lead technical resource and primary relationship manager for a portfolio of more complex commercial accounts. Operating with independent judgment and advanced coverage expertise, the Senior Account Manager leads renewal and servicing strategy, oversees day-to-day execution, and mentors junior team members. This role collaborates closely with Account Analysts, Account Managers, Account Consultants, Advisors, and insurance company partners to deliver high-quality client service, drive retention, and support growth of the book of business.

Position Summary

The Senior Account Manager is an advanced professional who serves as a lead technical resource and primary relationship manager for a portfolio of more complex commercial accounts. Operating with independent judgment and advanced coverage expertise, the Senior Account Manager leads renewal and servicing strategy, oversees day-to-day execution, and mentors junior team members. This role collaborates closely with Account Analysts, Account Managers, Account Consultants, Advisors, and insurance company partners to deliver high-quality client service, drive retention, and support growth of the book of business.

Primary Responsibilities

• Own day-to-day stewardship of a complex or higher-value book of commercial accounts, managing renewals, mid-term changes, and program structure with limited supervision.
• Lead the renewal strategy for assigned accounts, including analyzing loss history, exposure changes, risk trends, and market conditions to recommend coverage structure, limits, and retentions.
• Develop and present renewal proposals, coverage comparisons, and stewardship materials that clearly articulate recommendations, alternatives, and financial impacts.
• Determine market selection and placement strategy for complex risks within authority, partner with Advisors, Placement, or leadership on highly specialized or distressed accounts.
• Prepare and submit comprehensive underwriting submissions to targeted carriers, ensuring accuracy, clarity, and alignment with client strategy.
• Lead routine negotiations with carrier underwriters on terms, conditions, and pricing, escalating only when needed for non-standard issues or exceptions.
• Evaluate and compare quotes, identify coverage gaps or inconsistencies, and formulate recommendations that balance client risk tolerance, budget, and market realities.
• Serve as a technical expert on coverage, policy forms, and complex contract requirements, providing guidance to clients, internal teams, and junior colleagues.
• Act as the primary point of contact for key client stakeholders on coverage, service, and day-to-day needs; coordinate internally to ensure timely, accurate delivery.
• Oversee and, where necessary, personally handle complex client service needs, including non-standard endorsements, manuscript wording requests, and sophisticated certificate or contract compliance requirements.
• Proactively monitor client activity and industry developments to identify cross-sell or up-sell opportunities and partner with Advisors or Producers to pursue them.
• Support clients with claims advocacy and issue resolution by coordinating with claims resources, carriers, and internal teams to remove obstacles and communicate status.
• Provide work direction, prioritization, and quality review for Account Analysts and Account Managers on assigned accounts, ensuring processing work meets firm and client standards.
• Serve as an informal coach and mentor, sharing best practices, reviewing complex work, and helping junior colleagues build technical and client-service capabilities.
• Collaborate with Advisors, Account Consultants, Risk Placement, Operations, and other internal partners to ensure coordinated, consistent client experience.
• Maintain complete, timely documentation of all client and carrier correspondence, decisions, and activities in the agency management system so all stakeholders can access accurate status and history.
• Maintain a strong focus on accuracy, completeness, and timeliness in all client and carrier interactions to minimize the potential for errors and omissions (E&O) exposure.
• Ensure all servicing, placement, and documentation activities comply with firm policies, carrier requirements, and applicable regulatory standards.
• Identify recurring issues, process breakdowns, or training gaps within the book or team, and recommend or support improvements to workflows, templates, and tools.
• Contribute to special projects or initiatives (e.g., key account implementations, process pilots, system changes) that enhance client service or operational efficiency.

Required Knowledge, Skills & Abilities

• Advanced know