The Cross Family of Agencies welcomes you. We need your talent and expertise.
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.
- 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.
- 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
- 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.
Skills Required
- 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
What We Do
Cross Insurance is a family owned insurance agency with over 40 branches throughout the Northeast. Established at the kitchen table of Woodrow Cross in 1954, today we have become one of New England’s largest independent insurance intermediaries. In 2023 and 2024 we were named the 2nd Largest Insurance Broker in Massachusetts. Since our founding, we have successfully acquired over 150 operations, increasing our footprint on the Northeast. With over 1,100 employees and counting, our experienced team is ready to provide insurance options for you. - 27th Largest Broker of U. S. Business, Per Business Insurance report ’20 - 2nd Largest Insurance Broker in Massachusetts, per Boston Business Journal ’22, '23, and '24 - Official Insurance Broker of the New England Patriots, Gillette Stadium, the Boston Bruins, the Boston Red Sox, and New England Revolution Four generations later, Cross Insurance is still family owned and operated. Cross Insurance is headquartered in Bangor, Maine.
