Job Description:
Title: Key Accounts Program Manager – Commercial Lines
Work Mode: Remote, Florida Residents Only | Location/Supporting: Longwood, FL | Book Focus: Key Accounts, Large/Complex Commercial Risks
Please note: If this position is posted as either fully remote and/or hybrid, in accordance with company policy, individuals residing within a 50-mile radius of a branch location may be required to work onsite in a hybrid capacity as there may be occasions when on-site presence is necessary to meet specific business needs. Additionally, our remote work policy includes having a dedicated, distraction-free workspace. Remote work is not a substitute for childcare, elder care, or other personal responsibilities during working hours. To view our branch locations, please visit: ioausa.com/locations
About the Role: The Key Accounts Program Manager (PM) is responsible for overseeing underwriting, service, and strategic management of complex commercial insurance programs and key accounts. This role ensures profitable growth through disciplined underwriting, strong carrier relationships, and alignment of program strategies with client and organizational objectives. The PM serves as a primary liaison between carriers, brokers, clients, and internal teams while driving performance, operational excellence, and long‑term account success.
Key Responsibilities:
Portfolio Strategy & Oversight: Direct underwriting and service strategy for key accounts, ensuring alignment with underwriting guidelines, authority levels, and client objectives.
Profitability & Growth Management: Monitor portfolio performance, including revenue, retention, and profitability, using data‑driven analysis to guide strategic decisions.
Risk Evaluation & Approval: Evaluate and approve complex, high‑exposure or large account risks, ensuring sound selection and pricing discipline.
Loss & Performance Analysis: Track loss trends, claims activity, and portfloio metrics to identify opportunities for corrective action or optimization.
Carrier Relationship Management: Maintain strong working relationships with carrier partners, ensuring compliance with authority agreements, underwriting standards, and service expectations.
Program Design & Enhancement: Collaborate with internal and external stakeholders to optimize program structure, coverage design, and pricing strategies.
Regulatory & Program Compliance: Ensure programs comply with regulatory requirements, contractual obligations, and internal policies.
Audit & Reporting Management: Audit & Reporting Management: Oversee audits, carrier reviews, and reporting deliverables, ensuring accuracy, timeliness, and consistency.
Broker & Client Engagement: Build strong relationships with brokers and key clients, providing strategic guidance and supporting long‑term account growth.
Business Development Support: Provide technical underwriting and program expertise to support new business initiatives and expansion opportunities.
Escalation Management: Serve as a subject matter expert for complex underwriting, service, or client issues requiring escalation.
Team Leadership & Development: Lead and mentor underwriting and service staff supporting key accounts, fostering accountability and professional growth.
Operational Alignment: Monitor workflows and service delivery, partnering with claims, loss control, and finance teams to ensure coordinated execution.
Process Improvement & Systems Support: Identify and support enhancements to systems, reporting tools, and operational processes to drive efficiency and effectiveness.
Champion IOA Values: Demonstrate integrity and leadership.
Ideal Candidate Qualifications:
Bachelor’s degree in Business, Finance, Risk Management, or a related field, or equivalent industry experience
7+ years of workers’ compensation underwriting experience with strong technical depth
3+ years of leadership or management experience within a brokerage, MGA/MGU, or carrier environment
Strong expertise in underwriting principles, risk evaluation, and pricing strategies for complex accounts
Working knowledge of claims trends, loss drivers, and regulatory requirements
Proven ability to manage client relationships and influence strategic outcomes
Excellent communication, collaboration, and carrier relationship management skills
Analytical, detail‑oriented leader with the ability to manage multiple priorities in a fast‑paced environment
What We Offer:
Competitive salaries and bonus potential
Company-paid health insurance
Paid holidays, vacations, and sick time
401K with employer match
Professional growth and career progression opportunities
Respectful culture and work/family life balance
Community service commitment
Supportive teammates and a rewarding work environment
What to Expect (Application Process):
Salary Range
The expected pay range for this position is 95-135K annually, depending on experience, relevant skills, and geographic location.
Insurance Office of America is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.
