Commercial Lines - Jr. Account Manager at Panorama Insurance Associates, Inc. – Roseville, California

Panorama Insurance Associates, Inc. is a leading force in the insurance industry, combining the trusted relationships and reputation of the past with the innovation and technology of the future. We provide transformative solutions that empower agents, clients, and carriers to thrive in a rapidly changing marketplace. Guided by an inclusive and collaborative approach, we are committed to being the premier partner for building and growing business across the industry. At our core, we invest in people- fostering careers in a supportive environment built on respect, growth, and shared success.

Job Summary

The Commercial Lines Junior Account Manager plays an important role in supporting the delivery of exceptional client service and maintaining the overall efficiency of the Commercial Lines department. This position serves as a primary point of contact for service-related needs, ensures timely and accurate processing of account activities, and supports Agents and Account Managers in fostering strong, long‑term client relationships.

The Junior Account Manager contributes to the team’s success by demonstrating strong communication and organizational skills, following established departmental procedures, and maintaining a high level of accuracy in all service functions. The ideal candidate is proactive, detail‑oriented, and open to change, growth, and continuous learning while consistently upholding Panorama’s core values.

This is a hybrid, non-exempt position out of Roseville, CA.

Duties/Responsibilities

Account Management & Client Service

• Gather data and conduct research to support the accurate preparation of required documentation.
• Advise clients on policy coverage, changes, exclusions, limits, and insurance needs.
• Maintain positive, professional relationships with clients, agents, carrier representatives, and internal team members.
• Respond promptly, clearly, and courteously to inquiries regarding coverage, deductibles, premiums, billing, audits, and policy updates.
• Represent Panorama in a professional, ethical, and service‑oriented manner across all communication channels.
• Assist clients in resolving billing discrepancies and audit‑related questions.

Quoting, Renewals & Marketing

• Prepare and submit complete, accurate applications to carriers.
• Support the creation of summaries, proposals, and marketing materials in collaboration with the Agent or Account Manager.
• Review accounts during the renewal process, including client outreach, remarketing, and proposal development.
• Identify potential cross‑sell or coverage enhancement opportunities.
• Follow all binding and departmental procedures, verifying accuracy of coverages, conditions, restrictions, and limitations.
• Provide premium quotations and financing options as appropriate.
• Analyze, compare, and validate carrier quotes and renewal terms.
• Ensure policy forms, endorsements, and declarations pages are correct and consistent.

Policy Servicing & Documentation

• Issue certificates of insurance, EOPs, binders, auto ID cards, and related documents with accuracy and confidentiality.
• Maintain and update client records and policy information in the Agency Management System (EPIC), ensuring all suspense items are completed and followed through.
• Document all service activities, communications, and policy updates clearly and consistently according to departmental standards.
• Process policy changes and endorsements in an accurate and timely manner while meeting carrier and agency requirements.

Collaboration, Training & Professional Development

• Maintain required licensing and participate in training programs and continuing education.
• Stay current on underwriting guidelines, departmental procedures, industry trends, product updates, and technology enhancements.
• Demonstrate flexibility and openness to change as workflows, systems, and business needs evolve.
• Balance independent work with strong team collaboration and a solutions‑oriented mindset.
• Support team initiatives, assist colleagues as needed, and contribute to a positive work environment.
• Perform additional duties and responsibilities as assigned, with or without advance notice.

Qualifications

• 2+ years of insurance industry experience.
• High school diploma (or equivalent) required; bachelor’s degree preferred but not required.
• Proficiency in Microsoft Office Suite and experience with agency management systems (Applied EPIC preferred).
• Active Property & Casualty Insurance License required.
• Strong communication, organizational, time‑management, and problem‑solving skills.

Certificates, Licenses & Registrations

• Valid state‑required Property & Casualty License.
• CISR designation preferred.

Commercial Lines Jr. Account Manager Benefits

• Medical: HSA, PPO, and EPO options; base plan covered at 95% by employer
• Dental: PPO options with zero‑premium alternatives
• Vision: Plan provided at no cost
• FSA: Medical & Dependent Care
• HSA: $1,000 annual employer contribution (eligible plans)
• Commuter Benefits: Up to $600 per month
• Long‑Term & Short‑Term Disability: Provided at no cost
• Life and AD&D: Employer‑paid; voluntary options available
• Supplemental Coverage: Critical Illness & Hospital Indemnity
• Identity Theft Protection: Provided at no cost
• EAP: No‑cost access for all household members
• 401(k): 100% match up to 5% of earnings
• PTO/FTO: Exempt employees utilize Flexible (unlimited) Time Off, Non-exempt employees accrue PTO
• Paid Holidays: 12 annually
• Flexibility: Remote, hybrid, and in‑office schedules
• Professional Development: Licensing support, accreditation, and structured growth opportunities