Personal Lines Account Manager

Overview

One Group is a team of more than 200 insurance and risk management professionals who are ONE company acting as ONE team, with ONE focus and ONE mission:
To serve each client as our ONE client.

One Group is one of the fastest growing independent insurance and risk management organizations in the northeast. With team members in 18 locations, One Group can provide best in class client resources while maintaining an entrepreneurial, friendly and fun environment. A subsidiary of Community Bank, NA (NYSE: CBU), One Group is headquartered in Syracuse, NY.

One Group’s company culture sets us apart from the rest. Our core values, what we call “The One Group Way” consists of the following:

• Knowledge Development – Professional growth but also understanding the company, workflow processes, and the right people to get the job done. Adopting a growth mindset in everything we do.
• Big Picture – How your individual contributions connect to the bigger things around us that can make a difference to the client. How do you utilize your talents and the attributes of those around you to create a unique solution for the client.
• Acknowledgement – Recognize others contributions, appreciate what others do and their strengths.
• Transparency – An environment that encourages open communication and feedback.
• Bigger Purpose – How do we become more than just an insurance company to our clients? We seek to enhance our client’s businesses, support their mission, and understand their challenges.

The Person al Insurance Client Advisor will work in a team environment with all members of the Personal Insurance department, including but not limited to the sales team and management team, to effectively respond to our clients’ needs and requests and to properly protect their assets.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Client advisors will handle a book of business by which he/she will build a relationship with each account and take ownership that the activities on the account are settled efficiently and accurately.
• Assist clients with policy changes, renewals and claims processing.
• Consistently advise clients on our “value” proposition to take the emphasis away from price exclusively and focus more on having comprehensive coverage.
• Conduct coverage and exposure reviews with existing clients to inform and advise on the importance of having adequate coverage at the time of a loss. This may include reaching out to clients with adverse development of their loss experience.
• Call out to new clients within your client assignments within 30-45 days of their new business effective date to make a personal introduction of your name and contact information. During this call, determine if there are any outstanding issues that need to be addressed and confirm the most effective form of communication with the client going forward.
• Review potential non-renewal issues with management.
• Discuss with the carrier if eligible for reinstatement or if coverage is to be rewritten.
• Quote and issue mid‑term rewrites as the need arises and exposures change.
• Review renewal increases over established threshold. Contact incumbent carrier for rate relief options and discuss with insured. If marketing is our only choice, task out to the Placement Specialist team.
• Contact clients who have cancelled or requested cancellation of their insurance policy to determine the primary reasons for their decision to move their insurance. Establish controls to re‑solicit coverage and earn back business. Discuss findings with sales team and management.
• Communicate directly with insurance company underwriters to resolve outstanding or potential issues in an effort to protect client’s insurability.
• Document all interactions, including but not limited to clients and carriers (phone calls, e‑mails, face‑to‑face meetings, letters, etc.) in company system so that any team member can assist client.
• Consistently obtain and update client’s primary contact information with the focus being placed on e‑mail address and best contact phone number.
• Advise existing clients on preferred premium payment methods such as EFT, recurring credit card, and paid‑in‑full.
• Confirm appropriate tasks…