Relation Insurance Services

Account Manager

• Serves as initial point of contact for the client
• Monitors client questions, provides recommendations in partnership with the Account Management Team on appropriate coverage changes and/or contractual requirements
• Identifies, researches and provides resolution for routine or basic client issues
• Maintains client files accurately and consistently, responsible for proper documentation of files and proper communication in accordance with company workflow, procedures, and best practices
• Maintains a high degree of accuracy in document management systems
• Assists the Account Management team with the remarketing of renewals to ensure a high level of account retention
• Prepares proposals as directed by the Account Manager
• May review policies from carriers for accuracy, expedite corrections, and handle endorsement and applications
• Ensures carriers respond promptly to expedite claim settlements
• Reviews policy audits and verifies their accuracy
• Confirms necessary corrections between the client and the carrier are executed at the direction of the Account Management team
• Proactively communicates with client any significant audit differences
• As directed by the Account Management team, reviews cancellation requests, identifies reasons, and attempts to retain client accounts while preserving the company’s financial interests
• Keeps up to date with industry trends, new products, legislation, coverage, and technology to improve knowledge, performance, and client services
• Special projects and other duties as assigned.

Account Coordinator – Commercial Lines

• Serves as a client advocate and the primary point of contact for assigned accounts.
• Develops professional business relationships with client and understands the client’s core business.
• Manages client expectations, service commitments, and anticipates needs of the client.
• Quickly identifies and resolves complex client issues.
• Follows through on participant claims resolution matters with carriers and inquiries not immediately resolved.
• On behalf of the client, conducts research on insurance carrier billing issues.
• Manages open enrollment and prepares presentation materials, employee handouts, and other informational tools for client meetings.
• Provides training sessions during in-person or remote group meetings.
• Manages the Request for Proposal (RFP) process by compiling health benefits information from a variety of sources, responses from the carriers, and reviews the transparency documents maintains all appropriate documents in proper files.
• Analyzes vendor renewals by checking carrier or vendor's plan rates for reasonableness and by analyzing claims and enrollment data, trend rates, administrative expenses and other charges.
• Creates client presentations using Excel and PowerPoint to summarize client data obtained from vendors or Relation consultants.
• Develops benchmarking reports by gathering health benefits data to compare a client's plan information to other companies by industry or geography and provides the information to the client.
• Gathers necessary data from the vendor or client; reviews to ensure it is complete, accurate, and reasonable.
• Prepares data for use in basic or advanced financial analyses or valuations.
• Assists consulting team with valuing medical, dental and prescription drug plan designs by entering plan design information to develop the relative cost differences between plan designs, in order to compare the client's current plan to alternative designs.
• Assists consulting team to develop employee contributions scenarios by entering current employee medical contribution data into an Excel spreadsheet and projecting contributions to the next plan year, taking into account the cost-sharing goals of the client.
• Reviews external vendor contracts, summary plan documents and employee communications to ensure alignment with client expectations and legal requirements.

Senior Account Manager – Employee Benefits

Analyst

• Designs, develops and prepares accurate and timely reports and analysis
• Gathers benefits information from a variety of sources
• Prepares draft presentation to client and team leadership
• Requests, analyzes and negotiates renewals for all line of coverage for Health & Welfare plans
• Conducts plan/benefit change analysis
• Analyzes and assists in making recommendations on client strategy and cost containment initiatives
• Assists in preparing the Rate Development Templates, RFP analysis and templates for all lines of business
• Prepares and/or reviews monthly clients financial reports and plan performance monitors
• Develops benchmarking reports by gathering health benefits data

Benefits Analyst – Employee Benefits

Client Services Representative

• Orders renewal policies, verifies them against proposals, and processes them in the Agency Management System.
• Handles endorsements including entering on company websites, follows up on endorsements not received from carriers, checks endorsements for accuracy, bills endorsements and sends to client.
• Follows up on new business submissions with carriers not managed by Risk Placement Specialists.
• Enters and rates policies in carrier websites and orders new policies as needed.
• Issues standard certificates of insurance and other forms for holders (e.g. EOP, Binders, etc.).
• Monitors payment status of direct bill policies to prevent cancellations and notifies the Account Manager if there is a risk of cancellation due to non-payment.
• Tracks claims and updates the agency management system with activity, payments, and closures.
• Verifies audit accuracy, reviews with agency staff, bills audits, and sends audit review letter to clients.
• Order motor vehicle reports 'MVRs' and loss runs as directed.
• Reviews and processes mail.
• Acts as a backup for office phone calls and walk-in traffic as needed.
• Performs other projects, duties, and tasks, as assigned.

Client Service Specialist – Commercial Lines

• Serves as the main point of contact for the clients, addressing inquiries, providing guidance on appropriate coverage changes and contractual requirements, and educating clients on policy exclusions and exposures
• Partners in the strategic development of insurance plans tailored to client needs
• Acts as field underwriter and authorized representative of the insurance carriers to assess and bind coverage as appropriate
• Strategically manages the remarketing of renewals to ensure high account retention rates
• Oversee the preparation of client proposals, including submissions, loss evaluations, and risk analyses, ensuring timely and accurate quotations and policies
• Communicates various billing and invoicing options
• Prepares comprehensive summaries of insurance and schedules, accurately producing binders, certificates, policies, endorsements, and other related documents to support client needs
• Assist clients in submitting first reports of claims by obtaining adjusters and/or arranging a visit from a member of the claims team
• Facilitates prompt response from carriers and their staff in order to expedite claim settlements
• Conducts thorough policy reviews during renewals and audits, verifying accuracy and ensuring necessary corrections are executed
• Proactively communicates significant audit discrepancies to clients and determines further action
• Reviews cancellation requests, determining reasons and attempting to retain client accounts while maintaining the company’s financial integrity
• Stays informed about industry developments, new products, legislation, coverage options, and technological advancements to continuously enhance knowledge, performance, and client services
• Recommend process improvements as needed
• Performs other projects, duties, and tasks, as assigned

Account Manager – Commercial Lines

• Serves as the main point of contact for the clients, addressing inquiries, providing guidance on appropriate coverage changes and contractual requirements, and educating clients on policy exclusions and exposures
• Partners in the strategic development of insurance plans tailored to client needs
• Acts as field underwriter and authorized representative of the insurance carriers to assess and bind coverage as appropriate
• Strategically manages the remarketing of renewals to ensure high account retention rates
• Oversees the preparation of client proposals, including submissions, loss evaluations, and risk analyses, ensuring timely and accurate quotations and policies
• Communicates various billing and invoicing options
• Prepares comprehensive summaries of insurance and schedules, accurately producing binders, certificates, policies, endorsements, and other related documents to support client needs
• Assists clients in submitting first reports of claims by obtaining adjusters and/or arranging a visit from a member of the claims team
• Facilitates the prompt response from carriers and their staff in order to expedite claim settlements
• Conducts thorough policy reviews during renewals and audits, verifying accuracy and ensuring necessary corrections are executed
• Proactively communicates significant audit discrepancies to clients and determines further action
• Reviews cancellation requests, determining reasons and attempting to retain client accounts while maintaining the company’s financial integrity
• Stays informed about industry developments, new products, legislation, coverage options, and technological advancements to continuously enhance knowledge, performance, and client services
• Recommends process improvements as needed
• Quickly identifies and resolves complex client service issues
• Performs other projects, duties, and tasks, as assigned.

Accountant

• Reviews all Banking Transactions for appropriate documentation
• Accurately applies Cash Receipts in accordance with Customer payment
• Responds to all internal and external requests and inquiries in a timely manner
• Partners with internal Account Managers to clear Cash on Account and collaborates to research and respond to discrepancies with Customer payments and invoicing
• Processes refunds of premium and correspondence relating to refunds
• Reconciles carrier statements, researches and corrects discrepancies on Net Return Premium
• Partners with the Accounting team on month end closing
• Maintains files and documentation thoroughly and accurately, in accordance with company policy and accepted accounting practices
• Oversees Trust Bank Accounts
• Creates and maintains correspondence for the payment of administrative fees, commissions, access fees and overpayments
• May train new employees regarding Relation Accounting processes and procedures
• Identifies and recommends process improvements as needed
• Performs other projects, duties, and tasks, as assigned.

Premium Accountant, Accounts Receivable

• Serves as a client advocate and primary point of contact
• Manages and maintains relationships with high-net-worth clients
• Assesses clients' unique insurance needs and designs tailored coverage options
• Provides personalized risk management advice
• Handles policy renewals, endorsements, and changes in coverage
• Assists clients with claims, working closely with carriers
• Conducts regular portfolio reviews with clients

Senior Account Manager, High Net Worth – Personal Lines

• Serves as the main point of contact for the clients, addressing inquiries, providing guidance on appropriate coverage changes and contractual requirements, and educating clients on policy exclusions and exposures.
• Partners in the strategic development of insurance plans tailored to client needs.
• Acts as field underwriter and authorized representative of the insurance carriers to assess and bind coverage as appropriate.
• Strategically manages the remarketing of renewals to ensure high account retention rates.
• Oversees the preparation of client proposals, including submissions, loss evaluations, and risk analyses, ensuring timely and accurate quotations and policies.
• Communicates various billing and invoicing options.
• Prepares comprehensive summaries of insurance and schedules, accurately producing binders, certificates, policies, endorsements, and other related documents to support client needs.
• Assists clients in submitting first reports of claims by obtaining adjusters and/or arranging a visit from a member of the claims team.
• Facilitates the prompt response from carriers and their staff in order to expedite claim settlements.
• Conducts thorough policy reviews during renewals and audits, verifying accuracy and ensuring necessary corrections are executed.
• Proactively communicates significant audit discrepancies to clients and determines further action.
• Reviews cancellation requests, determining reasons and attempting to retain client accounts while maintaining the company’s financial integrity.
• Stays informed about industry developments, new products, legislation, coverage options, and technological advancements to continuously enhance knowledge, performance, and client services.
• Recommends process improvements as needed.
• Quickly identifies and resolves complex client service issues.
• Performs other projects, duties, and tasks, as assigned.

Risk

• Achieves annual new revenue objectives through consultative sales to new clients and expansion of service lines to existing clients.
• Exhibits thought leadership & industry engagement through associations, speaking panels and in general demonstrates expertise in selected industry vertical(s).
• Develops annual, individual sales plan (ISP) with a pipeline coverage ratio of 5X or one that is in line with current company metrics to ensure stated goals are consistently met.
• Builds an active pipeline of qualified prospects, generating leads from personal contacts, client referrals, prospect pursuit campaigns (PPC’s), other Relation colleagues and Relation marketing sources.
• Documents new business activity in the appropriate system(s).
• Appropriately closes new business, documenting won/loss opportunities and reasons for all clients in the system in place at that time.
• Develops and presents recommendations to clients based on consultative selling approach.
• Assesses & identifies risk issues, needs and possible uninsurable or difficult to insure exposures for clients.
• Recommends and assists clients with technical services including loss control and claims advocacy programs utilizing our in-house loss control and claims advocacy teams.
• Seamlessly transitions sold clients to the designated client service/account management team.
• Serves as client’s valued advisor, building a strategic and personal relationship with key client decision makers.
• Communicates with leadership, providing field input on market trends, competitor analysis and other business intelligence.
• Performs other projects, duties, and tasks, as assigned.

Risk Advisor – Voluntary Benefits

General Counsel

• Provides practical, solution-oriented legal counsel on a broad range of corporate and commercial matters, balancing business objectives, regulatory compliance, and legal risk
• Drafts, reviews, and negotiates a wide range of commercial contracts and other legal documents
• Researches and advises on compliance with laws, regulations, contractual requirements, industry standards, organizational documents, company policies, and lender requirements
• Manages and resolves contract disputes, subpoena responses, regulatory inquiries, and complaints
• Supports litigation and other dispute resolution matters as needed
• Conducts legal research and analysis on issues related to business operations and broader corporate matters (e.g., insurance licensing, real estate, employment, corporate governance, intellectual property, marketing, mergers and acquisitions, regulatory compliance, data privacy, AI governance)
• Contributes to the development and continuous improvement of legal processes, templates, and contract playbooks
• Utilizes the Company’s contract lifecycle management (CLM) system and ensures the proper execution and storage of legal documents
• Performs other projects, duties, and tasks, as assigned.

Corporate Legal Counsel

• Serves as a client advocate and the primary point of contact for assigned accounts
• Develops professional business relationships with client and understands the client’s core business
• Leads projects, deadlines, meetings and client deliverables utilizing established account management tools
• Manages client expectations, service commitments, and anticipates needs of the client
• Manages the engagement letter process including the confirmation of our specific scope of services, compensation type and level, project timeframe and required data
• Establishes carrier/vendor relationships with appropriate contacts to serve clients in handling all administration of eligibility, claims, billing, plan implementation, contracts, plan changes and necessary amendments
• Resolves client issues promptly and determines which items will be delegated to the support team
• Manages the Request for Proposal (RFP) process by compiling health benefits information from a variety of sources, responses from the carriers, and reviews the transparency documents maintains all appropriate documents in proper files
• Peer reviews RFP information, analyzes and interprets the results and finalizes the executive summary report to present to the client
• Prepares market analysis for new clients and prospects
• Reviews vendor contracts, Summary Plan Description (SPD), other plan documents and 5500s and employee communications to ensure alignment with client expectations and legal requirements
• Follows up with the carriers to ensure changes are reflected
• Reviews claim and utilization data from insurance carriers on a monthly/quarterly basis, analyzes and interprets data for trends, peer reviews customized reports, and submits reports to client, responding to questions as appropriate
• Generates new sales through existing clients and client referrals in accordance with the sales plan
• Introduces other Relation products and services to clients
• Gathers national Health and Welfare survey data; interprets and shares with clients
• Recommends process improvements as needed
• Performs other projects, duties, and tasks, as assigned.

Account Manager – Employee Benefits

Account Manager – Personal Lines

Compliance

• Creates, maintains, and updates PHIA-regulated Summary Plan Descriptions (SPDs) and Plan Documents for ERISA and non-ERISA health plans
• Produces Summaries of Benefits and Coverage (SBCs) in accordance with federal and state compliance requirements and ensure alignment with unique client plan design
• Manages plan renewals and drafts plan amendments
• Supports the production and delivery of 80+ plan documents per month
• Participates in client implementation meetings to review benefit outlines
• Collaborates with cross-functional teams (e.g., implementation, compliance, operations)
• Conducts quality reviews to confirm plan documents accurately reflect approved benefit designs and regulatory requirements
• Maintains organized documentation records and version control
• Assist with regulatory audits, client compliance inquiries and review related to the plan document
• Coordinate with vendors to support required federal and state health plan filings
• Conduct the preparation, validation and submission of data and documentation for mandated filings listed above

Health Plan Compliance Specialist

Claims Specialist

• Reviews and validates claims for accuracy, completeness, and eligibility based on policy terms and guidelines
• Analyzes, adjudicates, and resolves claims by approving or denying documentation, calculating benefit amounts, and initiating payments or composing denial letters
• Ensures legal compliance with company policies, procedures, and applicable state and federal regulations throughout the claims process
• Maintains accurate records of claims, settlements, denials, and related documentation
• Addresses questions and concerns from providers, clients, and internal personnel regarding the adjudication process
• Reports overpayments, underpayments, and irregularities to supervisors
• Communicates with reinsurance brokers and other stakeholders to obtain necessary information for claim processing
• Verifies member eligibility, benefit coverage, and authorizations as needed
• Protects confidential information and ensure HIPAA compliance
• Participates in process improvement initiatives and updates documentation as required
• Special projects and other duties as assigned

Account Coordinator – Commercial Lines

Senior Account Manager – Employee Benefits

Benefits Analyst – Employee Benefits

Client Service Specialist – Commercial Lines

Account Manager – Commercial Lines

Account Manager – Commercial Lines

Premium Accountant, Accounts Receivable

Senior Account Manager, High Net Worth – Personal Lines

Account Manager – Commercial Lines

Risk Advisor – Voluntary Benefits

Corporate Legal Counsel

Account Manager – Employee Benefits

Account Manager – Personal Lines

Health Plan Compliance Specialist

Claims Examiner