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Personal, Commercial, & Life Insurance Advisor

Position Summary
The primary responsibility for this position is to write new profitable personal, commercial, and life
insurance accounts by networking, prospecting, developing leads, evaluating insurance needs, creating
an insurance proposal and program, and selling and retaining new clients. The primary target markets will
be preferred Home, Auto, Umbrella personal lines accounts, and small to mid-size commercial lines
accounts. including but not limited to, contractors, auto services, retail stores, restaurants,
manufactures, professional offices, and wholesalers/distributors, breweries/wineries/distillers. We are
looking for an Insurance Advisor that sells on the full spectrum of insurance solutions including proper
coverage, great service, risk management and safety programs, compliance, and policy value.


 High School diploma; undergraduate degree preferred
 Must have or be willing to obtain a valid TN Property and Casualty Insurance License.
 Professional designation (CPCU/CIC/ACSR/CRIS) preferred.
 3 years of recent Personal, Commercial, and Life Lines account management or sales experience
 Applicant must have a record of high integrity, professionalism, networking ability, teamwork,
overcoming objections, positive energy, learning complex procedures, and accountability.
 Demonstrated success in hitting P &C and Life sales objectives, and track record of cultivating
new business, referral sources, and writing profitable business.
 Small to medium size accounts experience preferred (contractors, auto services, retail stores,
restaurants, manufactures, professional offices, and wholesalers/distributors,
 Experience with an Agency Management System preferred.
 Experience with Erie Insurance underwriting guidelines and quoting systems a plus.
Essential Duties and Responsibilities
 The Insurance Advisor is responsible for prospecting, soliciting, quoting, and selling new and
renewal accounts. Service and sales standards must be met, and specific sales goals and service
responsibilities are determined and reevaluated during the yearly planning process
 Maintain a consistent schedule for cold-calling, prospecting, networking, and marketing to
ensure consistent lead generation and prospect appointments.
 Pre-qualify insurance prospects for insurability and quality of risk, identifies the client’s
insurance needs, gaps in coverage, and loss exposures (insurable and uninsurable), and obtains
accurate information from the prospects. This includes completing applications, supplemental
questionnaires, risk surveys, and other related documentation in order to provide complete,
comprehensive submissions.
 Orders and issues binders, certificates, policies, endorsements, and other related items while
verifying their accuracy.
 Maintain a concern for timeliness and completeness when interacting with clients, agency, and
company personnel to minimize potential for error or omission claims, and accurately
documents client files and electronic files as to coverage discussions, quotes, declination, and
coverage change or declines.

 Assist clients in making appropriate coverage changes, and inform and educate clients about
coverages, exclusions, exposures, and audits and document electronic file accordingly.
 Follow the Agency standards and best practices procedures for processing and preparation of
customer correspondence, certificates of insurance, binders, cancellation requests, insurance
I.D. cards, and internal correspondence as requested ensuring that activities and follow-ups are
set and the client file in the agency management systems is updated and accurate.
 Build and maintain relationships with multiple insurance companies and brokers to negotiate
and obtain quotes, binders, and endorsements.
 Makes decisions regarding the resolution of customer service problems by researching and
verifying solutions to coverage, audit, claim, and billing issues in a timely manner.
 Anticipate, meet and/or exceed customer needs, wants and expectations while effectively
communicating, building rapport and relating well to clients, carrier personnel, and co-workers.
 Researches and maintains industry knowledge of developing trends regarding carrier
underwriting, appetite and pricing changes and work closely with Agency Management and
Underwriting on preparing for change.
 Other duties as assigned


 Must possess a track record of honesty and integrity confirmed by professional references.
 Must possess good leadership and communication skills, both verbal and written.
 Understanding of personal, commercial, and life insurance underwriting, coverage & rate
 Must be detail oriented with the ability to organize, prioritize and self-manage work load.
 Ability to work in a team environment, with a positive attitude, and willingness to help others.
 Solution driven problem-solving skills and proven analytical skills.
 Demonstrates high level technical and cognitive abilities to ensure accuracy, precision and
complete projects on time.
 Intermediate to advanced-level proficiency with Microsoft Office Products: Excel, Word,
Outlook, and PowerPoint.
 Effective, professional verbal and written communication skills.
 Demonstrates considerable diplomacy, discretion and judgment with ability to build and
maintain effective interpersonal relationships.
 Proven track record of good attendance, punctuality, and reliability.

**Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.**

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