Commercial Risk Account Manager - Account Executive

PRIMARYPURPOSEOFJOB

Provide proactive insurance and risk management solutions while managing the ongoing service needs of commercial clients. This position emphasizes client relationship management, risk assessment, renewal strategy, and coordination between Advisors, clients, carriers, and the service team.

The position also performs account management duties, including marketing submissions, preparing and reviewing insurance documents, responding to service requests, and maintaining accurate records in a paperless environment.

ESSENTIALFUNCTIONSANDPERFORMANCEAREAS

• Develop and maintain strong relationships with clients, key decision makers, prospects, and carrier representatives; serve as a primary contact for assigned accounts and a liaison between Advisors and the service team.
• Understand each client’s business, operations, exposures, and insurance needs. Review coverage and policies, identify potential gaps, and recommend appropriate solutions in collaboration with the Advisor.
• Develop and carry out client service and renewal strategies using the Ollis Edge 360 business model and established agency processes to support retention and client satisfaction.
• Coordinate the renewal process from initial planning through completion. Gather accurate exposure information, prepare applications and submissions, evaluate carrier options, and communicate recommendations and deadlines.
• Monitor insurance market conditions, carrier offerings, and industry trends to identify programs, coverage options, and risk management resources suited to client needs.
• Work with underwriters and carrier representatives to resolve coverage and pricing questions; negotiate premiums and terms within assigned authority and involve the Advisor or management as needed.
• Prepare and deliver client presentations explaining coverage, quotations, renewal comparisons, and service recommendations. Prepare materials in advance for Advisor review.
• Schedule and coordinate four quarterly client meetings according to the established process; document decisions, assign follow-up actions, and track completion.
• Identify cross-selling and coverage enhancement opportunities; coordinate with Advisors and other departments to address additional client needs.
• Prepare and submit new business and renewal accounts to carriers according to established procedures; follow through on submissions and outstanding information to support timely decisions.
• Prepare quotations, proposals, binders, endorsements, and coverage summaries. Order and issue certificates, policies, and related documents within assigned authority.
• Verify the accuracy and completeness of policies, proposals, and other client documents; resolve discrepancies and provide appropriate correspondence and explanations.
• Respond promptly and professionally to client, carrier, Advisor, and employee inquiries. Resolve service issues, communicate progress, and follow through until requests are completed.
• Maintain complete and current client files, activity records, correspondence, and supporting documents in the agency management system according to established procedures.
• Coordinate responsibilities and deadlines with Account Managers, Associate Account Managers, Advisors, and other employees to provide consistent service and prevent missed commitments.
• Represent the agency professionally in client meetings, community activities, and industry events. Participate in training to maintain current insurance knowledge and skills.
• Perform general office and administrative duties related to assigned accounts and additional duties as assigned.

KNOWLEDGE,SKILLS and ABILITIES

• Knowledge of commercial property and casualty insurance products, coverage, marketing, rating, underwriting, and renewal processes, as well as applicable insurance regulations.
• Ability to evaluate client exposures, interpret insurance information, and explain coverage options and recommendations clearly.
• Skill in relationship management, customer service, professional negotiation, and presenting information to individuals and groups.
• Ability to use sound judgment, solve problems, recognize matters requiring escalation, and work within assigned authority.
• Ability to organize competing priorities, coordinate processes and employees, and meet service and renewal deadlines with frequent interruptions.
• Strong attention to detail and ability to verify the accuracy of applications, policies, proposals, reports, and client communications.
• Proficiency with agency management systems, Microsoft Office applications including Excel, and electronic document management in a paperless environment.
• Ability to work independently, take initiative, collaborate with employees, and communicate professionally with clients, carriers, and vendors.

CORE COMPETENCIES

Organizational Competencies

Building Trust – Interacting with others in a way that gives them confidence in ones’ intentions and those of the organization.

Customer Focus – Ensuring that the customer perspective is a driving force behind business decisions and activities; crafting and implementing service practices that meet customers’ and own organization’s needs.

Job-Specific Competencies

Business Acumen – Using economic, financial, market and industry data to understand and improve business results; using one’s understanding of major business functions, industry trends and own organization’s position to contribute to effective business strategies and tactics.

Driving for Results – Setting high goals for personal and group accomplishment; using measurement methods to monitor progress toward goals; tenaciously working to meet or exceed goals while deriving satisfaction from that achievement and continuous improvement.

Formal Presentation – Presenting ideas effectively to individuals or groups when given time to prepare; delivering presentations suited to the characteristics and needs of the audience.

Sales Ability/Persuasiveness – Using appropriate interpersonal styles and communication methods to gain acceptance of a product, service or idea from prospects and clients.

EDUCATION,TRAININGANDEXPERIENCE REQUIREMENTS

• Missouri Producer Insurance license required.
• Associate degree or equivalent college coursework in business or a related field preferred.
• Two or more years of experience in insurance or a related field required; three or more years of insurance experience in account management, consulting, or sales preferred.
• Commercial property and casualty account management experience required.
• Must possess or be actively pursuing the Certified Insurance Service Representative designation within the first 12 months of employment. Additional industry certifications are preferred.
• A valid driver’s license with a good driving record is required to travel to client meetings and work events.

PHYSICALCONTEXTANDWORKENVIRONMENT

Physical Requirements

Percentage of Work Time Spent on Activity

0-24%

25-49%

50-74%

75-100%

Seeing: Must be able to see well enough to read proposals, reports and use computer.

X

Hearing: Must be able to hear well enough to communicate with customers, vendors and employees.

X

Sitting: Must be able to sit for long periods of time.

X

Standing/Walking: Must be able to move about department.

X

Climbing/Stooping/Kneeling: Must be able to stoop or kneel to pick up items from the floor.

X

Lifting/Pulling/Pushing: Must be able to lift 25 pounds with or without reasonable accommodation.

X

Grasping/Feeling: Must be able to type and use equipment and electronic devices.

X

Driving: Must be able to drive safely to client sites and work events.

X

Working Conditions

Normal working conditions include an indoor office with moderate levels of noise and a well-lighted, climate-controlled environment. Remote work may be available up to 50% of the time with a secured, reliable internet connection. Work may also be performed at client sites up to 50% of the time and will include a variety of working conditions.

Travel is required to facilitate meetings at client sites, including travel during inclement weather. Attendance at meetings and events in the evening and on weekends may also be required, as needed.

The statements herein are intended to describe the general nature and level of work being performed, but are not to be seen as a complete list of responsibilities, duties, and skills required of personnel so classified. Also, they do not establish a contract for employment and are subject to change at the discretion of the employer.