Personal Lines Producer

Job Description

Personal Lines Producer

Position Overview: A Personal Lines Producer is responsible for generating new business and managing existing personal insurance accounts. This role involves prospecting, acquiring, and maintaining clients for various personal insurance products, such as auto, home, renters, and umbrella insurance. The Personal Lines Producer is expected to understand clients' unique needs, provide tailored insurance solutions, and ensure high-quality customer service and satisfaction.

Key Responsibilities

• Business Development:
• Identify and pursue new business opportunities through prospecting, networking, and referrals.
• Build relationships with potential clients and grow the agency's personal lines portfolio.
• Meet and exceed monthly and annual sales goals.
• Client Relationship Management:
• Develop and maintain strong relationships with existing clients to ensure satisfaction, renewals, and long-term retention.
• Assess clients' insurance needs, provide advice, and recommend the best coverage options.
• Serve as the main point of contact for clients, responding promptly to inquiries and addressing issues as they arise.
• Insurance Needs Assessment:
• Conduct thorough evaluations of clients' personal insurance needs and recommend appropriate coverage options.
• Provide risk assessments and advise clients on adequate protection for their assets (home, auto, valuables, etc.).
• Stay informed about changes in clients’ circumstances and adjust coverage accordingly.
• Proposal Creation and Presentations:
• Prepare and present clear, concise insurance proposals to potential and existing clients.
• Explain policy terms, conditions, and pricing in an easy-to-understand manner.
• Customize insurance packages to meet the needs and preferences of each client.
• Quote Management and Policy Issuance:
• Work with insurance carriers to obtain quotes for clients and ensure competitive pricing.
• Present quotes and help clients compare options to make informed decisions.
• Process new policies, renewals, and changes to existing policies accurately and promptly.
• Cross-Selling and Upselling:
• Identify opportunities for cross-selling additional personal lines products, such as life or umbrella insurance.
• Increase overall client value by recommending coverage upgrades or additional products based on client needs.
• Client Retention:
• Engage in proactive renewal discussions to prevent policy cancellations.
• Assist clients with claims, policy changes, and other service requests to ensure high levels of customer satisfaction.
• Collaboration with Internal Teams:
• Work closely with account managers, underwriters, and customer service teams to ensure smooth policy issuance and service.
• Collaborate with colleagues to ensure that clients' insurance needs are met efficiently.
  

Qualifications

• High school diploma or equivalent (Bachelor's degree preferred).
• Active state insurance license (Property and Casualty) is required.
• Previous experience in personal lines insurance sales or customer service is a plus.
• Strong knowledge of personal insurance products, such as home, auto, renters, and umbrella policies.
• Exceptional communication, sales, and negotiation skills.
• Ability to manage multiple clients and tasks simultaneously.
• Proficiency in insurance software, CRM tools, and Microsoft Office Suite.