The Personal Lines Advisor position is crucial to the day‑to‑day operations and long‑term goals of the organization. From driving new client acquisitions, to servicing accounts, to retaining Personal insurance accounts, this position’s responsibilities are equally varied and vital. A strong work ethic, ability to take on multiple responsibilities, and knowledge of agency procedures and standards are a must.
ESSENTIAL DUTIES:
Sales
Produces minimum of $25,000 premium per month; $300,000 premium annually.
Develop and implement marketing strategy for new sales leads.
Network within appropriate industry groups that have been identified as prospecting targets.
Update CRM database consistently and frequently with prospecting.
Build and maintain a prospect pipeline that meets objectives laid out by sales manager.
Establish meaningful relationships with the intention of earning their business.
Actively solicit and process additional lines of coverages for all accounts.
Work to ensure retention goals are met.
Consulting and Advising
Responsible for counseling and guiding the Client throughout the entire process. Is recognized as the main point of contact.
Desire to build meaningful relationships with Clients and prospective clients.
Helps client evaluate the market by pulling quotes from carriers and negotiating directly when possible to get the best rates.
Evaluate, educate and advise on coverages and available plans.
Challenges assumptions in pushing Clients to consider difficult issues that are in their best interest.
Evaluates emerging opportunities and risks to identify and articulate defensible options and recommendations.
Ability to handle complex accounts.
Customer Relationship Management
Builds relationships with the Client and advises Client on the most efficient and effective methods to meet short‑term and long‑term goals.
Act as liaison between Client and Insurance Companies/Partners to develop and maintain effective working relationships in order to independently resolve service problems.
Responds to Client needs in a timely, professional, helpful and courteous manner, regardless of Client attitude.
Follows up with Clients to ensure that their needs have been met.
Maintains confidential information.
Insurance Industry Knowledge
Demonstrates solid knowledge and ability of the industry, including competitive and customer trends, to strategically direct Clients and solve situations.
Proficient in the Personal Insurance marketplace (home, auto, life, umbrella, etc.); carriers, underwriting requirements and the coverages they offer.
Continually develops industry knowledge by attending seminars, classes, conferences, etc.
Identifies current industry trends and explains industry trends to Clients.
Understanding of contracts, carrier products, coverage forms and underwriting guidelines.
Team Leadership
Helps to build strong, highly‑engaged, efficient teams.
Works with Account Manager and Personal Lines Manager efficiently, respectfully and effectively – establishes priorities and timelines.
Leads the Account Manager and gives directives for the best outcomes of Client renewals and service issues/questions.
Advocates and helps facilitate communication with Account Managers and Clients.
Addresses gaps in team expertise.
Follows Personal Lines Team workflows and procedures to ensure optimum efficiency among the team.
Delegates responsibility rather than taking charge or micro‑managing when Account Managers have the capability. Supports Account Managers taking independent action.
Assists in the training of new team members joining the Personal Lines Department.
ADDITIONAL DUTIES
Attend meetings, seminars and programs to learn about new products and services, learn new skills and receive technical assistance in developing new customers.
Perform other duties as assigned.
EDUCATION, CERTIFICATES, LICENSES, REGISTRATIONS and/or EXPERIENCE
Prefer bachelor’s degree or at least an Associate’s degree or equivalent from two‑year College or technical school.
High school diploma or equivalent is required.
Prefer a minimum of one year of related industry experience and/or training.
Maintain a current Indiana Property & Casualty Insurance license.
SKILLS
Proficient in Microsoft Office Suite and Adobe Acrobat.
Ability to perform duties in a high‑pressured, fast‑paced environment.
Must be highly organized and detailed with the ability to prioritize and remain flexible.
Professional telephone skills and etiquette.
Self‑motivated and able to work both independently with limited supervision and within a team.
Excellent oral and written communication skills.
Ability to respond to common inquiries or complaints from customers or carriers.
Ability to prepare proposals for presentation and review.
Ability to apply basic mathematical concepts such as percentages, addition, subtraction, and division.
Ability to think independently and critically.
Ability to define problems, collect data, establish facts, and draw valid conclusions.
Ability to read, analyze, and interpret industry policies and contract documents.
Ability to effectively present information to Insured’s and carriers.
Ability to write and prepare proposals for presentation and review.
STARTING COMPENSATION
Differs with experience.
The above statements are intended to be a representative summary of the responsibilities performed by incumbents of this job. The incumbent’s may be requested to perform job‑related tasks other than those stated in this description.
