Assess business risks and insurance needs — Evaluate a company's operations, exposures, and industry‑specific risks to determine what types of coverage are required.
Recommend and customize policies — Match clients with appropriate commercial policies (e.g., liability, workers' comp, property, cyber) and tailor terms to fit their budget and risk profile.
Place coverage and evaluate markets — Compare insurance carriers, negotiate terms, and secure the best available coverage for the client.
Build and maintain client relationships — Network, prospect, and maintain a book of business through ongoing communication and service.
Assist with underwriting — Help clients gather required documents (e.g., loss runs) and prepare submissions for insurance carriers.
Manage renewals proactively — Review policies ahead of renewal, reassess coverage needs, and explore alternative markets when necessary.
Support clients with claims — Provide guidance during the claims process and help adjust coverage as business needs evolve.
Stay current on industry trends — Monitor new insurance products, regulations, and market shifts to better advise clients.
Salary Range: $4,000.00 - $10,000.00 per month
Monthly Base Salary + Commission + Bonus Opportunities
Work from Home
Flexible Schedule
Life Insurance
Hands on Training
Mon-Fri Schedule
Career Growth Opportunities
1. Licensing
Active Property & Casualty (P&C) License
Additional licenses (e.g., Life & Health, FINRA) are a plus
Must meet all state continuing‑education requirements
2. Education
High school diploma required
Bachelor's degree preferred (business, finance, marketing, risk management) but not required
3. Experience
Prior experience in insurance, sales, or risk‑related fields preferred
Experience with commercial lines (GL, WC, Property, Auto, EPLI, Cyber) is highly valued
Familiarity with underwriting submissions, loss runs, and carrier guidelines
4. Skills & Competencies
Strong communication and client‑advising skills
Ability to analyze business operations and identify exposures
Negotiation skills for working with carriers and clients
Organizational skills for managing renewals, submissions, and service tasks
Proficiency with CRM/AMS systems (e.g., Salesforce, Applied, HawkSoft)
Ability to explain coverage clearly and confidently
5. Personal Attributes
Professional, reliable, and detail‑oriented
Comfortable with outbound prospecting and business development
Strong follow‑through and accountability
Ability to work independently and manage a book of business
6. Technical Requirements
Proficiency with Microsoft Office (Word, Excel, Outlook)
Ability to prepare proposals, certificates, endorsements, and policy documents
Comfortable using digital tools for quoting, submissions, and client communication
7. Compliance & Ethics
Must adhere to all state insurance regulations
Maintain confidentiality and handle sensitive client information responsibly
1. Risk & Coverage Assessment
Analyze business operations, exposures, and industry‑specific risks
Identify required lines of coverage (GL, BOP, WC, Commercial Auto, EPLI, Cyber, etc.)
Review loss runs and prior claims history
2. Policy Design & Recommendations
Recommend appropriate coverage limits and endorsements
Customize insurance programs based on budget and risk tolerance
Explain policy terms, exclusions, and conditions in plain language
3. Market Placement & Carrier Negotiation
Prepare underwriting submissions
Compare quotes across carriers and negotiate pricing/terms
Present proposals with clear coverage comparisons
4. Client Acquisition & Relationship Management
Prospect and generate new commercial leads
Conduct discovery calls and in‑person business reviews
Maintain long‑term relationships through consistent follow‑up and service
5. Renewal Management
Review expiring policies for gaps or changes in exposure
Re‑market accounts when necessary
Present renewal options and secure signatures/payments
6. Claims Support
Assist clients with filing claims
Communicate with adjusters and carriers
Provide updates and advocate for the client when issues arise
7. Compliance & Documentation
Maintain accurate client files and policy records
Ensure all applications, forms, and disclosures are completed correctly
Stay compliant with state licensing and continuing education requirements
8. Risk Management Guidance
Recommend safety practices and loss‑control strategies
Coordinate carrier risk‑control visits
Help clients reduce claims frequency and severity
9. Administrative & Operational Duties
Use CRM/AMS systems to track leads, renewals, and tasks
Prepare certificates of insurance, endorsements, and policy changes
