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This Role Is Element's Ohio Offices

Job Description: Small Business Account Manager

Element Risk Management 's Core Values

• Integrity: Commit to honesty, transparency, and doing what is right even when no one is watching. Integrity is the foundation of trust in every decision, relationship, and outcome.
• Ownership: Take full responsibility for results, embracing both success and failure. Show grit and Relentless Perseverance, and practice Proactive Stewardship by protecting relationships and resources entrusted to us.
• Excellence: Pursue the never-ending journey of Continuous Improvement. Enhance skills, processes, and services while being Growth Oriented and driving innovation.
• Humility: Bring expertise with self-assurance while staying open to learning and valuing the perspectives of others. Lead and collaborate without ego.
• Authenticity: Show up as our true self, speak honestly, and build trust through openness and respect.

Position Overview: As a Small Business Account Manager, you will play a pivotal role in managing client relationships, ensuring policy accuracy, and supporting and delivering comprehensive risk solutions. You’ll be the go-to resource for day-to-day servicing, underwriting coordination, and identifying opportunities to enhance client coverage through cross-sell strategies.

Primary Responsibilities and Duties:

At all times, the Small Business Account Manager shall:

• Manage daily client communications, including policy inquiries, billing questions, and service requests.
• Process policy changes, endorsements, certificates of insurance, and documentation with accuracy and timeliness.
• Maintain up-to-date client records and document all service activities in the agency management system.
• Coordinate with carriers and internal departments to resolve service issues and ensure client satisfaction.
• Monitor renewal timelines and proactively initiate renewal processes.
• Support commercial risk advisors and account executives (if applicable) with proposals, summaries, and client deliverables.
• Coordinate communications between carriers and account executives.
• Oversee underwriting processes to ensure compliance and timely policy delivery.
• Manage renewals, endorsements, and policy adjustments to align with client needs.
• Market Analysis & Carrier Collaboration
• Stay informed on industry trends, regulatory updates, and market shifts.
• Collaborate with carriers and underwriters to negotiate favorable terms and identify optimal coverage options.
• Champion the client experience by identifying service improvement opportunities.
• Leverage client feedback and market insights to drive innovation in service delivery.
• Spotting Cross-Sell Gaps
• Analyze existing coverage to identify gaps and recommend additional insurance solutions.
• Understand client operations and evolving needs to proactively suggest complementary products.
• Collaborate with the Account Executive (if applicable) to develop and present cross-sell strategies.

Secondary Responsibilities and Duties:

• Strong knowledge of commercial insurance products, underwriting practices, and regulatory requirements.
• Excellent communication, negotiation, and interpersonal skills.
• Analytical mindset with a focus on problem-solving and client advocacy.
• Proficiency in insurance management systems and digital tools.

Knowledge, Skills & Abilities:

• Performs duties independently with little or no supervision, operating from established directions and instructions. Decisions are made within general agency constraints and insurance laws, and require independent decision-making.
• The position involves daily contacts with customers and carriers, which encompasses information exchange, problem solving, quoting, and/or negotiations, significant contact with customers to collect information on any changes to the customer’s characteristics and to analyze the customer’s continued exposure and tolerance to risk, as well as review coverage options and risk management/prevention strategies.
• Thorough technical knowledge of commercial lines insurance, including an understanding of commercial insurance forms and risk alternatives. Outstanding verbal and written communication skills.

Job Requirements and Qualifications:

B achelor’s degree in Risk Management or related field preferred, or IRMI, PLCS or equivalent designation, with a minimum of one year in a defined insurance role. CISR designation is preferred. Must be organized with demonstrated skills for effective communication both verbal and written with the ability to influence others. Advisor I should handle renewals at a 95% retention rate, within a niche/industry focus, while maintaining positive client feedback or client satisfaction scores. This role manages a book of $300k or more in revenue, while meeting service level agreements and quality metric. Team member will be supporting department strategy and mentoring Associate Advisors. Must have and maintain an active Property and Casualty license in required states.

OTHER RELEVANT REMARKS:

This position description describes the general nature and level of work performed. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this position. This position description is not intended as and does not create a contract of employment between the Agency and any individual employee. The Agency reserves the right to change this position description at any time within its sole discretion.