Senior Commercial Account Manager — Construction / Heavy-Commercial Lines (Denver, CO)

Position: Senior Commercial Account Manager — Construction / Heavy-Commercial Lines
Location: Denver, CO (Hybrid: mix of remote + occasional office or onsite/client visits)
Type: Full-time / Salaried

 Role Overview

We’re seeking an experienced Commercial Account Manager with deep expertise in construction, heavy-commercial, or contractor accounts. This individual will manage a book of large construction clients — from general contractors and subcontractors to heavy-civil and infrastructure firms — guiding them through risk-management, insurance placement, renewals, endorsements, and ongoing service. The Senior Account Manager will be the primary day-to-day contact for clients and serve as a liaison between clients, producers, underwriters, and carriers to deliver comprehensive, compliant, and high-quality insurance solutions.

 Key Responsibilities

• Oversee and service a portfolio of construction and heavy-commercial clients (general contractors, specialty subcontractors, civil/heavy-construction firms).

• Collaborate with producers to develop and implement marketing and renewal strategies tailored to each construction account.

• Collect detailed underwriting information from clients: project schedules, payrolls, subcontractor lists, safety programs, jobsite exposures, equipment, and project-specific risk factors.

• Analyze risks and advise clients on appropriate insurance coverage: general liability, workers’ compensation, builders risk / course-of-construction, equipment coverage, excess/umbrella, contractual liability, additional-insured certificates, pollution/environmental if needed, etc.

• Prepare and deliver insurance proposals: quotes, coverage summaries, job-specific certificates of insurance, binders, endorsements, and other documentation required for bids or ongoing contracts.

• Interface with carriers/underwriters: negotiate terms, secure quotes, bind coverage, confirm binder accuracy, and ensure compliance with underwriting guidelines.

• Manage renewals, cancellations, audits, endorsements, and timely follow-up on expiring policies.

• Issue Certificates of Insurance (including additional-insureds, waivers, contractual requirements) and Auto ID cards or other required documentation for construction projects.

• Serve as the primary inside-service contact: respond to client inquiries, handle policy changes, endorsements, claims reporting coordination, and billing/follow-up as needed.

• Maintain accurate and up-to-date electronic client and policy files; ensure data integrity within agency systems.

• Monitor client accounts continuously for changes in operations, project scope, or exposures; recommend additional or changed coverage when needed (e.g. equipment floaters, umbrella/excess, pollution, surety if applicable).

• Collaborate internally across producers, underwriters, risk-management teams, and support staff to deliver seamless service and support agency growth and client retention.

• Occasionally visit job-sites or meet clients on location when required (for exposures review, certificates issuance, project start-up reviews, etc.).

 Qualifications & Skills

• 5+ years of experience in commercial lines insurance — with substantial exposure to construction / heavy-commercial / contractor accounts. (Many comparable positions in Denver require 3–5 years commercial-lines experience.

• In-depth knowledge of construction-related insurance products and exposures (general liability, workers’ comp, builders risk, course-of-construction, equipment, excess/umbrella, contract liability, additional-insureds, etc.).

• Strong communication skills — written and verbal — to clearly explain coverage, exposures, underwriting conditions, endorsements, and policy provisions to clients and carriers.

• Excellent organizational and detail-oriented skills, able to manage multiple complex accounts, policy renewals, audits, documents, and deadlines simultaneously.

• Proficiency in Microsoft Office (Word, Excel, Outlook) and ability to learn agency management systems or carrier portals quickly. (Most commercial-lines account manager roles in CO require comfort with standard agency systems and rating/quoting tools. J

• Valid Colorado Property & Casualty insurance license (or ability/willingness to obtain within set timeframe). Many employers list active P&C license as requirement.

• Strong client-service orientation: ability to build and maintain strong relationships with clients, understand their businesses, anticipate their needs, and deliver timely, accurate service.

• Negotiation skills — comfortable negotiating terms with underwriters, balancing coverage needs with cost, and advising clients appropriately.

• Ability to work independently and as part of a team; collaborate with producers, underwriters, support staff, and clients.

• Flexibility to travel as needed for client meetings or job-site visits (depending on project requirements).

Opportunity to manage and grow a substantial book of heavy-commercial and construction accounts

• Hybrid work structure — balance remote work with occasional in-office or on-site interactions in metro Denver

• Direct involvement in shaping clients’ risk-management and insurance programs with complex exposures

• Collaboration with experienced producers, underwriters, and support staff — chance to deepen construction insurance expertise

• Potential for growth into senior leadership or risk-management advisory roles (especially given complexity and scope of construction clients)

• Competitive compensation and possibility for performance-based incentives (renewal growth, retention, upsell)