Commercial Insurance Account Manager (Virtual Assistant) – Policy Servicing & Renewals

Commercial Insurance Virtual Assistant – Policy Servicing & Renewals

PLEASE APPLY ONLY IF YOU HAVE PRIOR COMMERCIAL INSURANCE EXPERIENCE.

About Gold River Insurance

Gold River Insurance is a fast-paced, service-driven independent insurance agency focused on delivering accurate, timely, and well-organized insurance solutions.

We work with multiple insurance carriers, wholesalers, and online platforms. Our agency values accuracy, accountability, responsiveness, and clear communication. We are process-oriented and expect our team members to follow instructions carefully, take ownership of their work, and complete tasks efficiently.

We are currently seeking an experienced, Philippines-based Commercial Insurance Virtual Assistant to manage post-bind policy servicing, coverage requests, renewals, and market submissions.

Role Summary

This is not an entry-level position or a basic data-entry role. The ideal candidate must have hands-on commercial insurance experience and understand how commercial policies, coverages, endorsements, exclusions, and carrier requirements work.

You will be responsible for servicing commercial insurance accounts after a policy is bound, reviewing policy documents, processing coverage changes, handling renewals, and communicating with insureds, carriers, and underwriters.

Key Responsibilities

* Handle post-bind servicing for commercial insurance policies
* Request and follow up on policy endorsements
* Add, remove, or modify coverages and exposures
* Add or remove locations, vehicles, employees, classifications, and Additional Insureds
* Request Waivers of Subrogation, Primary and Non-Contributory wording, and other required endorsements
* Review certificate requirements and confirm whether the policy meets contractual insurance requirements
* Communicate with carriers and underwriters to obtain written coverage confirmations
* Read and understand commercial policy forms, endorsements, exclusions, and coverage limitations
* Identify when requested coverage is included, excluded, limited, or requires an additional endorsement
* Review issued policies for accuracy and confirm that requested coverages and endorsements were added correctly
* Assist clients with coverage questions in clear and professional language
* Gather information needed to process policy changes
* Handle cancellation, reinstatement, audit, and non-renewal requests
* Prepare renewal applications and collect updated underwriting information from insureds
* Compare expiring policy information with current operations and exposures
* Identify missing information, coverage gaps, or changes that may affect the renewal
* Prepare organized submissions for carriers and wholesalers
* Approach appropriate markets for commercial renewals and new coverage needs
* Follow up with underwriters regarding outstanding quotes, subjectivities, and additional information
* Track endorsements, renewals, and open service requests through completion
* Maintain organized and accurate records in agency systems, inboxes, spreadsheets, and client files

Required Commercial Insurance Knowledge

Applicants should understand or have experience with:

* Commercial General Liability
* Businessowners Policies and Commercial Package Policies
* Commercial Property
* Workers’ Compensation
* Commercial Auto and Hired and Non-Owned Auto
* Professional Liability
* Cyber Liability
* Umbrella and Excess Liability
* Additional Insured endorsements
* Waiver of Subrogation
* Primary and Non-Contributory coverage
* Policy limits, deductibles, classifications, and exposures
* Claims-made versus occurrence coverage
* Policy exclusions, endorsements, and coverage forms
* Renewal applications and insurance market submissions

Qualifications

* Previous hands-on experience working in commercial insurance is required
* Experience working for an insurance agency, brokerage, carrier, or commercial insurance support company
* Ability to read and understand commercial insurance policies, endorsements, and exclusions
* Experience handling policy servicing, endorsements, and renewals
* Strong written and spoken English
* Professional email and phone communication skills
* Excellent attention to detail and data accuracy
* Ability to recognize missing information and potential coverage concerns
* Comfortable communicating with clients, underwriters, carriers, and wholesalers
* Able to manage multiple open tasks and follow each one through completion
* Highly organized, dependable, responsive, and able to work with urgency
* Comfortable asking questions when additional clarification is needed
* Able to work independently while following established agency procedures

Traits We Value Most

* Strong commercial insurance knowledge
* Extremely organized
* Fast but accurate
* Proactive and accountable
* Professional and dependable
* Comfortable taking ownership of assignments
* Calm under pressure
* Strong follow-up skills
* Able to prioritize urgent client and renewal requests
* Willing to learn our agency’s systems and procedures

Application Requirements

To be considered, please submit all of the following:

1. A résumé describing your commercial insurance experience.
2. A summary of the commercial insurance responsibilities you handled in your previous position.
3. The types of commercial policies and coverages you have worked with.
4. A 2–3 minute video introduction explaining:

* Your commercial insurance background
* How many years of insurance experience you have
* Your previous responsibilities
* The types of policies, endorsements, and renewals you have handled
* Why you believe you would be a good fit for this position
5. A professional reference from a previous employer where you worked in insurance. Please include the person’s name, company, position, email address, and phone number.
6. The name of your previous insurance employer and how long you worked there.

Applications that do not include relevant commercial insurance experience, a video introduction, and a verifiable insurance-employment reference may not be considered.