Senior Commercial Lines Territory Manager

Job DescriptionPenn National Insurance is seeking a Senior Commercial Lines Territory Manager to lead agency relationships, drive profitable commercial lines growth, and support underwriting strategies within an assigned territory. This role combines agency management, field underwriting, and sales leadership, including evaluating agency performance, implementing growth and profitability plans, and underwriting mid-market new business.The Territory Manager will train and support agencies on products and systems, monitor results, recommend new agency appointments, and collaborate closely with underwriting, claims, and corporate teams. The ideal candidate brings five or more years of commercial property and casualty underwriting experience, strong communication and negotiation skills, and the ability to manage multiple priorities. A bachelor's degree and insurance designations are preferred. Regular travel is required. POSITION COMPETENCIES Business Acumen Negotiation Results Oriented Time & Priority Management Decision MakingESSENTIAL DUTIES AND RESPONSIBILITIESSales/Premium Growth Develop the agency force to pre-qualify, rate, and bind profitable commercial lines business, Utilize authority to assist agency partners in helping them write profitable business. Review new business quote requests to determine acceptability using established underwriting authority and company guidelines. Communicate underwriting decisions, techniques, and interpretation of policy forms and coverages with agents and company personnel regarding risk acceptability, incomplete information, etc. Provide feedback to the Underwriting Manager and RVP on the quality of submissions and interactions with agency personnel. Communicate underwriting and marketing philosophy or practices, to agents and policyholders and assist with education/training issues within agency. Document the underwriting files where required, including the actions taken, reasons for decisions, and any follow-up diary needed. 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. Visits agencies to discuss underwriting matters, assist in the development of new business to strengthen agency relations. Keeps two-way communication between agent and company continuously open and viable. Drives profitable new business growth. Monitors agency results and follows up with agent as to growth and compliance with company's initiatives, procedures and policies Stays alert for and shares industry information, new ideas, products, or changes in other carrier philosophies that could positively or adversely affect Penn National Insurance with appropriate colleagues. Utilizes authority to make consistent underwriting decisions, adhere to company acceptability and pricing philosophies, and promote ease of doing business initiatives with Penn National Insurance.Profitability Profiles commercial lines book of business to assist in profitability analysis. Develops and implements effective agency profitability plans when warranted. Monitors agency results and follows up with agent as to profitability and compliance with company's initiatives, procedures and policies. Facilitate agency reviews with other team members to review agent's performance as compared to established goals and implement corrective actions as needed. Develop and implement agency action plans to achieve profitability. Establishes appropriate account pricing in accordance with established underwriting authority and company guidelines. Order and/or analyze loss control reports, financial reports, MVR's, and other underwriting reports. Evaluate the need for and secure appropriate facultative reinsurance in accordance with established company guidelines. Contribute to the development of company underwriting policy, procedures, and guidelines to assure they reflect current market conditions and contribute to the attainment of Division goals.Agency Management 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.ADDITIONAL RESPONSIBILITIES Applies data to solve common business problems. Compiles, manipulates, and analyses data of varying complexity. Knowledgeable and proficient about what tools are available for data analysis and when they are appropriate to use. Performs other duties as may be assigned by the President-Partners Mutual or Regional Vice President.SPECIAL RELATIONSHIPS 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.QUALIFICATIONSEducation/Credentials Four year college degree preferred. Continuing education in specialized insurance courses such as IIA, AU, CPCU, and CIC, as well as other educational experiences that enhance product knowledge and technical business relations. Maintenance of an active agent's P&C license in domiciled state preferred.Experience Minimum of five years property/casualty commercial underwriting required. Minimum of three years' marketing experience with a Property and Casualty carrier preferred. Agency or broker experience with heavy concentration in underwriting exposure/risk and marketing may substitute for carrier experienceTechnical/Professional Knowledge Must have technical underwriting knowledge of 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, negotiations, and solution-selling skills Working knowledge and skill in agency and Company automation systems, to include fundamental knowledge on the use of personal computers, with emphasis on Microsoft Office Suite Exceptional customer service skills Good financial analysis skills Excellent time management skills Strong commercial lines underwriting analysis skillsJOB REQUIREMENTS (as required by ADA - Americans with Disabilities Act) This position is primarily a sedentary position that requires occasional standing and walking throughout the office environment. Must be able to see and effectively use a computer monitor. Must be able to operate a computer, keyboard and applicable printers and other general office equipment. Must be able to access and enter information accurately using automated systems. Must be able to hear and communicate via the telephone and/or monitoring devices to both internal and external clients. Must be able to present information to individuals and groups. Must be able to interpret and apply concepts that may or may not be based upon established guidelines. Must be able to maintain acceptable attendance and adhere to scheduled work hours. Must have a valid driver's license and be able to operate a motor vehicle. Must be able to travel, with overnight stays required.About UsWhy Choose Penn National Insurance?At Penn National Insurance, we're on a mission to help people feel secure and make life better when bad things happen. For over 106 years, we've been a trusted partner to individuals, families and businesses because we are a mutual insurance company where service and support for our policyholders are at the heart of everything we do. We're not just a company-we're a community united by our core mission to "Make Life Better." Here, you'll find a place where your professional growth, success and personal well-being are our top priorities. Your Career Journey: Empowering Your GrowthYour career should be more than just a job-it should empower you to feel secure, supported and inspired. At Penn National Insurance, we invest in your growth and celebrate your contributions with a comprehensive and competitive total rewards package. We're committed to supporting your journey and helping you thrive at every stage of your career. Key highlights include: Benefits and Compensation: Generous 401(k) match, graded profit sharing, incentive compensation, and a wide range of benefits to support your financial health, physical well-being and career development. Flexibility: We offer remote and hybrid work options, flexible scheduling and a "dress-for-your-day" culture. Recognition: We celebrate your achievements, big and small, through employee recognition programs designed to honor your contributions.Your Employer of Choice: A Legacy of Trust and StrengthJoining Penn National Insurance means becoming part of a company with over a century of experience, built on trust, innovation and strong relationships. From our beginnings as a mutual insurance company founded by farmers to our 100th anniversary in 2019, we've stayed true to our relationship-driven model, focusing on direct service and meaningful support. Your Community: Making an Impact TogetherMaking life better isn't just our mission-it's a value that guides everything we do. Our employees are at the heart of this mission, giving back through community engagement and charitable efforts. We proudly support our community through financial support and employee volunteering opportunities including our annual United Way campaign, where employee contributions and company matches make a significant impact each year.Your Future: Building a Rewarding Career PathWe're not just offering a job; we're providing a fulfilling and rewarding career. We support your growth with a range of resources designed to help you build your skills and achieve your goals, including: Continuing Education Support: Access to programs that help you enhance your knowledge, skills and educational goals along with 100% tuition reimbursement for academic studies. Professional Development Opportunities: Tailored designation programs to help you advance in your career such as CPCU, AINS, CPA, CISSP, and more. Long-Term Career Focus: With an average employee tenure of 14 years and many team members serving for over 40 years, we take pride in fostering a work environment that values long-term growth and development.When you join us, you're not just starting a job-you're becoming part of a team that values your growth and invests in your future. Our commitment to long-term retention and employee development ensures that you will be part of a tradition and legacy of excellence that spans decades. Only candidates from the following states will be considered for opportunities with Penn National Insurance: Alabama, Delaware, Iowa, Maryland, Minnesota, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, Wisconsin. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, creed, affectional and sexual orientation, gender identity or expression, pregnancy, age, national origin, disability status, genetic information, protected veteran status, or any other characteristic protected by law. Consistent with the Americans with Disabilities Act (ADA) and EEOC guidance, it is the policy of Pennsylvania National Insurance to provide reasonable accommodations to qualified individuals with disabilities in all aspects of the employment process. If you require a reasonable accommodation in completing this application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please direct your inquiries to a HR Business Partner via telephone at 800-368-4764, or through email.

Created: 2026-04-13