Careers

Risk Advisor

 

POSITION SUMMARY

Responsible for new insurance account production and sales activities within assigned accounts. Conducts research in the market and develops a base of business to educate, promote and sell insurance services.  Keeps current on business community activities to obtain leads for business development activities.  Maintains and services a profitable book of insurance business for existing clients.  Projects a professional company image through all interactions with clients, insurance carriers, co-workers and others.

 

PRIMARY RESPONSIBILITY

  • Contacts current, past and potential clients to solicit new and renewed business
  • Follows up on leads and responds promptly and efficiently to referrals. Listens attentively to the needs of the client and makes recommendations accordingly. Requests referrals from current insurance clients
  • Creates and maintains accurate and up-to-date client lists assuring their needs are realized and that they are provided with relevant insurance information appealing to their specific needs
  • Designs custom insurance plans for clients and recommends appropriate coverage, which are appropriate for them. Surveys loss exposures, needs, and possible uninsurable or difficult to ensure exposures for clients.       Pre-qualifies insurance prospects for insurability and quality of risk
  • Assures clients are educated concerning agency payment expectations and cancellation procedures.
    • Collects premiums and past-due premiums from clients for purchases of new and upgraded coverage, and obtains signatures on applications for clients as required
  • Assures clients are provided with the necessary documentation and information for record-keeping purposes. Creates letters to clients offering coverage, share information and advice regarding insurance matters
  • Prepares summaries of insurance, schedules and proposals. Reviews audits of policies and verifies their accuracy. Assures necessary corrections between the client and the carrier are facilitated.
  • Works with Customer Service Reps and/or Managers to review existing policy coverage, upgrade accounts and remarket when possible. Collects information from clients to prepare schedules of insurance, summaries and renewal proposals
  • Reviews appropriate policy change requests and other account activity. Documents automated files as appropriate
  • Participates in insurance marketing events, seminars, trade shows, telemarketing events and continuing education. Reads and interprets technical manuals and insurance information from carriers, vendors, publishers, etc.
  • Prepares a variety of status reports, including activity, closings, follow-up and adherence to goals.
  • Documents coverage, exclusions and other specific information on the automated file. Provides detail pertaining to non-standard coverage limitations and binding restrictions to lower errors and commissions exposures
  • Performs other duties and special projects as assigned

 

SKILLS

  • Strong negotiator, avid problem solver and works well with different personalities to ensure sale.
  • Working knowledge of insurance markets, products and usages is necessary, as well as insurance rating and underwriting procedures
  • Working knowledge of coverage options and industry operations
  • Outstanding interpersonal and communications skills are required to explain complex issues, receive and interpret information and respond appropriately
  • Must be able to understand and interpret abstract and complex information
  • Proficient skills in Microsoft Office (primarily Excel, PowerPoint and Word). Must be computer literate with the ability to learn new software applications

 

COMPENTENCIES

  • Ability to prioritize and handle multiple tasks in a demanding work environment
  • Willingness to adhere to all principles of confidentiality
  • Ability to work independently and as a team
  • Must value operating in a collaborative work environment
  • Ability to show initiative, good judgment, and resourcefulness
  • Ability to advise clients concerning their insurance needs
  • Ability to calculate and perform mathematical functions

 

EDUCATION AND QUALIFICATIONS

  • College degree or 3 to 5 years’ sales experience in the insurance industry is preferred
  • Experience working with complex commercial coverage

 

CERTIFICATIONS/LICENSES

  • Property and Casualty Insurance License and/or Personal Lines Insurance License is required and must be maintained

Details

DEPARTMENT

Personal Lines Sales

LOCATION

Charlotte or Raleigh, NC

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