CAROLINE FERNANDEZ

Account Manager (Commercial Lines)

The Hilb Group of New Jersey

Roseland, NJ

10.2023 - Current

Serve as the primary liaison for a diverse portfolio of middle-to-large commercial clients including hospital systems, architect & engineering firms, churches, law firms, tech platforms and non-profits – managing day-to-day service and ensuring exceptional standards of service
Coordinate the full policy lifecycle including new business onboarding, renewals, and change requests
Analyze client operations and exposures to build tailored insurance programs across a wide range of commercial lines including property, general liability, auto, workers’ compensation, umbrella, and specialty coverages
Oversee marketing efforts: collecting loss runs, preparing ACORD applications, creating submission packets, negotiating with carriers, reviewing quotes, and advising clients on best-fit options
Prepare and deliver renewal proposals outlining coverage terms, markets approached, pricing, in a clear, client-focused manner
Process service transactions: endorsements, audits, service/finance agreements, MVRs, and proofs of insurance
Perform policy checking for accuracy and update systems accordingly
Maintain schedules of insurance outlining premiums, limits, retro dates
Manage complex client needs such as multi-location accounts, loss sensitive programs, and compliance with contractual insurance requirements
Interpret leases, contracts, lawsuits, and potential claim scenarios to determine coverage applicability
Triage incoming claims and coordinate with claims department; follow up on status, supporting clients through resolution when needed
Use excel to maintain detailed charts and reports for client vehicles, properties, statements of values, and custom reporting
Ensure timely issuance of policies, endorsements, and invoicing; monitor premium payments and support resolution of billing or claims issues
Support producers with cross-selling, account rounding, and retention efforts by identifying opportunities for coverage enhancement and risk mitigation

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