Commercial Lines Territory Manager

Commercial Lines Territory Manager

Penn National Insurance is seeking a motivated and relationship-driven Commercial Lines Territory Manager to strengthen and grow our partnerships with independent insurance agents. This position serves as a key liaison between the company, our agents, and internal underwriting and corporate teams — ensuring mutual success through profitable growth, strategic alignment, and exceptional service delivery.

The ideal candidate will combine strong business acumen with a deep understanding of property and casualty insurance, a consultative approach to relationship management, and the ability to drive results through collaboration and insight.

This position is located in the Birmingham, AL area.

• Develop the agency force to pre‑qualify, rate, and bind profitable commercial lines business.
• Utilize authority to assist agency partners in writing profitable business.
• Develop professional working relationships with agents, regional underwriting, and claim teams and corporate departments.
• Conduct thorough evaluation of all prospective agents and submit written recommendation to Regional Vice President.
• Maintain two‑way communication between agent and company continuously open and viable.
• Monitor agency results and follow up with agents regarding growth and compliance with company initiatives, procedures and policies.
• Stay alert for and share industry information, new ideas, products, or changes in other carrier philosophies that could positively or adversely affect Penn National Insurance with appropriate colleagues.
• Conduct ongoing agency prospecting within territory to create a pipeline of potential future appointments.
• Participate in commercial lines rate reviews as requested.
• Utilize authority to make consistent underwriting decisions, adhere to company acceptability and pricing philosophies, and promote ease of doing business initiatives with Penn National Insurance.

• Profile commercial lines book of business to assist in profitability analysis.
• Develop and implement effective agency profitability plans when warranted.
• Facilitate agency reviews with other team members to evaluate agent performance relative to established goals and implement corrective actions as needed.
• Develop and implement agency action plans to achieve profitability.

• Provide training to agency plant on programs, products, services, and systems.
• Develop annual agency/company marketing plans.
• Analyze territory profitability, premium growth, and agency representation, and implement corrective actions where appropriate.

• Apply data to solve common business problems.
• Compile, manipulate, and analyze data of varying complexity.
• Identify and use appropriate data analysis tools.
• Perform other duties as assigned by the President‑Partners Mutual or Regional Vice President.

• Direct contact with all levels of branch underwriting and supporting claims service office personnel.
• Direct contact with all levels of Home Office Underwriting Operations personnel.
• Direct contact with agents and insureds.

• Four‑year college degree preferred.
• Continuing education in specialized insurance courses such as IIA, AU, CPCU, and CIC, and other educational experiences that enhance product knowledge and technical business relations.
• Maintenance of an active agent’s P&C license in domiciled state preferred.

• Minimum of three years property/casualty personal lines underwriting and/or marketing experience with a Property and Casualty carrier preferred.
• Agency or broker experience with a heavy concentration in underwriting exposure/risk and marketing may substitute for carrier experience.

• Must have technical underwriting knowledge of the commercial lines of business written by Penn National Insurance.
• Effective oral and written communication skills, with the ability to communicate information of a highly technical nature.
• Proven sales, negotiation and solution‑selling skills.
• Working knowledge of agency and Company automation systems, including fundamental knowledge of Microsoft Office Suite.
• Exceptional customer service skills.
• Good financial analysis skills.
• Excellent…