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Personal, Commercial, & Life Insurance Advisor Position

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 & 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, manufacturers, professional offices, wholesalers/distributors, breweries/wineries/distillers. We are looking for an Insurance Advisor that sells 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 preferred
  • 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, manufacturers, professional offices, and wholesalers/distributors, breweries/wineries/distillers).
  • Experience with an Agency Management System is preferred.
  • Experience with Erie Insurance underwriting guidelines and quoting systems is a plus.

Essential Duties & 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, identify the client’s insurance needs, gaps in coverage, and loss exposures (insurable and uninsurable), and obtain accurate information from the prospects. This includes completing applications, supplemental questionnaires, risk surveys, and other related documentation 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, inform and educate clients about coverages, exclusions, exposures, and audits, and document electronic files 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 analysis.
  • Must be detail-oriented with the ability to organize, prioritize, and self-manage workload.
  • 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, and 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 the 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. The employee signature below indicates the employee’s understanding of the requirements, essential functions, and duties of the position.