Senior Commercial Insurance Manager

This is a fully remote position, open to applicants in Maryland.

📋 Description

• Oversee the management, retention, and expansion of a diverse commercial insurance portfolio.

• Facilitate the renewal, non-renewal, new business, and mid-term policy placements with carriers and vendor partners.

• Assess commercial insurance risks, coverage frameworks, carrier compatibility, pricing strategies, and underwriting acceptability.

• Examine pricing, coverage conditions, renewal strategies, market competitiveness, carrier guidelines, and compliance requirements.

• Review non-renewals, policy modifications, cancellations, and renewal terms; remarket accounts when necessary.

• Ensure compliance by carriers with statutory notification obligations.

• Evaluate book performance, premium growth, retention trends, and underwriting outcomes; prepare management reports and recommendations.

• Cultivate relationships with carriers, wholesalers, underwriters, brokers, and vendor partners.

• Assess client renewals for coverage adequacy, pricing competitiveness, risk exposures, and additional insurance needs.

• Identify opportunities for account-rounding and additional-line placements.

• Compile client submissions and negotiate placement terms with carriers, wholesalers, and insurance markets.

• Market and place standalone Workers’ Compensation and ancillary coverages.

• Advise clients on cyber liability risks, franchise compliance, and insurance solutions.

• Coordinate transitions with carriers, implement renewals, and manage insurance program initiatives.

• Act as a liaison between policyholders, carriers, franchise partners, and internal departments.

• Serve as a subject matter expert for franchise insurance operations, commercial placements, carrier programs, and compliance.

• Manage certificates of insurance, lease requirements, additional insured requests, and franchise compliance documentation.

• Oversee insurance billing, invoicing, installment payments, payment follow-ups, and policy administration support.

• Assist in implementing operational enhancements, reporting tools, carrier initiatives, and workflow improvements.

• Monitor industry trends, market conditions, carrier appetite, statutory requirements, and regulatory compliance.

• Collaborate with departments and leadership to achieve profitability, growth, retention, and operational goals.

• Provide consultative insurance guidance to clients and internal stakeholders.

• Maintain client records, renewal schedules, underwriting documentation, carrier correspondence, and operational reporting.

• Execute additional duties as assigned.

⛳️ Requirements

• Advanced understanding of commercial Property & Casualty insurance products, including Workers’ Compensation, General Liability, Professional Liability, Property, Cyber Liability, EPLI, Umbrella, and ancillary commercial coverages.

• Active P&C licensure in at least one state is mandatory.

• Strong comprehension of franchise insurance operations, compliance requirements, carrier guidelines, underwriting practices, and renewal management strategies.

• Capability to consult with business owners, franchise operators, and client contacts regarding insurance program structure, coverage options, compliance requirements, and risk management strategies.

• Extensive knowledge of standalone Workers’ Compensation placement, underwriting considerations, classification analysis, experience modification factors, audits, and carrier marketing processes.

• Familiarity with cyber liability insurance risks, breach response considerations, and compliance-related insurance requirements.

• Exceptional customer service and communication abilities to articulate complex insurance concepts clearly.

• Sales proficiency to foster insurance program growth and client retention.

• Experience in PEO, commercial insurance brokerage, or carrier-side roles is advantageous.

• High school diploma plus five years of relevant experience, or an equivalent combination.

• Professional certifications such as CPCU, ARM, CIC are preferred.

• Ability to work autonomously in a remote setting, manage multiple priorities, and effectively utilize standard office and insurance-related software tools.

• Must have a private, distraction-free remote work environment.

• Willingness to travel 10%–15%, including visits to the main office and client conferences.

🏝️ Benefits

• Comprehensive medical, dental, vision, life, and disability insurance package.

• Various additional benefit options available.

• Remote-first work arrangement.

• Significant commission eligibility.