Personal Lines Account Manager/Executive

We are seeking an experienced driven and client-focused Personal Lines Account Manager/Executive to join our Personal Lines team. In this key role, you will manage a dedicated book of personal insurance accounts (auto, homeowners, renters, umbrella, and high-value homes), deliver exceptional service, identify coverage needs, and proactively grow revenue through retention, account rounding and identifying cross-sell opportunities through the existing clients.

The ideal candidate is an experienced insurance professional with strong customer service skills with a heart for people that understands how to make good business decisions to manage time and opportunity efficiently, able to solve complex coverage issues, and driving account growth in a consultative sales/service environment.

Salary Range: $36000.00 - $66000.00 per year

Annual Base Salary + Bonus Opportunities

Paid Time Off (PTO)

Work from Home

Flexible Schedule

Health Insurance

Life Insurance

Hands on Training

Mon-Fri Schedule

Career Growth Opportunities

Responsibilities

• Manage and grow an assigned portfolio of personal lines accounts with a focus on high retention and increased revenue.
• Act as the primary point of contact for clients, providing expert advice on coverage options, risk management, and policy recommendations.
• Conduct thorough coverage reviews and exposure analyses during renewals and at key touchpoints to identify gaps and upsell opportunities.
• Prepare renewal proposals, remarket accounts when necessary, and negotiate with carriers to secure optimal coverage and pricing.
• Handle policy servicing requests, endorsements, claims advocacy, and billing resolutions.
• Prospect for new personal lines business through referrals, existing client networks, and targeted outreach.
• Develop and maintain strong relationships with clients, carriers, and internal team members.
• Ensure all activities comply with agency procedures and Errors & Omissions (E&O) standards.
• Track client satisfaction and retention metrics,
• Stay current with industry trends, carrier appetites, and continuing education requirements.

Qualifications & Requirements -

Required Experience:

• 35+ years of experience in personal lines insurance account management, client service, or account executive roles within an independent agency, brokerage, or carrier environment.
• Proven experience managing a book of personal insurance business including homeowners, auto, umbrella, flood, valuable articles, and recreational policies.
• Strong understanding of underwriting guidelines, policy coverage analysis, renewals, endorsements, and remarketing procedures.
• Experience working with multiple insurance carriers and comparative rating platforms.
• Demonstrated success in delivering high-quality client service and maintaining long-term client relationships.
• Prior experience handling renewals, cross-selling opportunities, and retention strategies preferred.

Licensing & Certifications

• Active Property & Casualty (P&C) insurance license required.
• Additional designations such as CISR, CIC, CPRIA, or CRM preferred but not required.
• Ability to maintain licensing and complete continuing education requirements.

Technical Knowledge

• Strong knowledge of personal insurance products, policy structures, and coverage recommendations.
• Familiarity with agency management systems such as Applied Epic, AMS360, HawkSoft, EZLynx, or similar platforms.
• Proficiency with Microsoft Office Suite, email communication, and carrier web portals.
• Ability to accurately process endorsements, certificates, claims assistance, renewals, and policy changes.

Core Competencies

• Excellent verbal and written communication skills.
• Strong organizational and time-management abilities with attention to detail.
• Ability to manage multiple priorities in a fast-paced environment.
• Professional and consultative customer service approach.
• Strong problem-solving and conflict-resolution skills.
• Ability to work independently while collaborating effectively with producers, carriers, and agency staff.
• High level of professionalism, confidentiality, and integrity.

Client Service Responsibilities

• Serve as primary point of contact for assigned personal lines clients.
• Review client coverage needs and recommend appropriate insurance solutions.
• Prepare renewal proposals and conduct policy reviews with clients.
• Process policy changes, renewals, cancellations, and endorsements accurately and timely.
• Assist clients with billing inquiries and claims support.
• Identify opportunities to round accounts and increase account retention.
• Maintain accurate and complete client documentation within agency management systems.

Preferred Qualifications

• Experience with high-net-worth or VIP personal lines accounts.
• Bilingual communication skills are a plus.
• Experience in a growth-oriented independent insurance agency environment.
• Prior supervisory or mentoring experience preferred for executive-level roles.

Education

• High school diploma or GED required.
• Associates or Bachelors degree in business, finance, insurance, or related field preferred.
• Work Environment & Expectations
• Ability to work in-office, hybrid, or remote environment as required by the agency.
• Consistent professionalism in communication with clients, carriers, and internal teams.
• Commitment to providing exceptional client experience and supporting agency growth goals.