Small Business Unit – Commercial Lines Insurance

Position: Commercial Lines Small Business Underwriter / Account Manager

Job Summary:
Responsible for managing and servicing a portfolio of small commercial business accounts. The role evaluates insurance risks, prepares quotes, handles renewals and endorsements, works with agents/brokers, and ensures profitable growth while delivering strong customer service.

Key Responsibilities

• Underwrite small commercial risks in accordance with company guidelines and authority.
• Review applications, loss history, financial information, and other underwriting data.
• Quote and bind commercial insurance policies.
• Manage new business, renewals, endorsements, cancellations, and policy changes.
• Develop and maintain relationships with independent agents and brokers.
• Analyze exposures and recommend appropriate coverage, limits, deductibles, and pricing.
• Identify cross-selling and account-rounding opportunities.
• Monitor portfolio performance, profitability, retention, and new-business production.
• Coordinate with claims, billing, operations, and underwriting support teams.
• Ensure compliance with underwriting guidelines, state regulations, and company procedures.
• Use underwriting systems and automated tools to process business efficiently.

Typical Commercial Lines

• Businessowners Policy (BOP)
• Commercial General Liability (CGL)
• Commercial Property
• Business Auto
• Workers' Compensation
• Umbrella/Excess
• Inland Marine
• Professional or specialty coverages, depending on the business segment

Qualifications

• 2–5+ years of commercial insurance experience, depending on level.
• Knowledge of small-business commercial insurance products and underwriting principles.
• Strong analytical and decision-making skills.
• Ability to interpret loss runs, financial information, and risk characteristics.
• Strong communication and relationship-management skills.
• Familiarity with insurance policy forms, rating, and underwriting systems.

Compensation: The base salary range for this role is $55,000–$65,000 annually.  Actual compensation will be based on factors including location, skills, experience, and internal equity. Cross Insurance offers a comprehensive benefits package including medical, dental, vision, 401(k) with match, paid time off, and more.