Insurance Commercial Lines Producer

The Producer is responsible for prospecting, soliciting and selling new commercial accounts. Continuing to counsel and market to existing clients professionally is another essential function of the position. Specific sales goals and service responsibilities are determined during the yearly planning process. The role meets service and sales standards of volume with timeliness and quality.

Locations: Austin‑Seven Oaks, Denison‑Main, Plano‑Parkwood, Sherman‑Taylor Street.

New Sales

• Identifies and develops insurance prospects and appropriate markets.
• Responds to referrals quickly and effectively.
• Prequalifies insurance prospects for insurability and quality of risk.
• Creates and maintains client or prospect lists.
• Designs insurance plans and recommends coverages to clients.
• Surveys loss exposures, needs, and possible uninsurable or difficult‑to‑insure exposures for clients.
• Makes sales presentations to prospective and existing clients on new and renewal business.
• Assists AE with applications and related documentation.
• Develops, follows, and completes sales objectives.
• Educates clients concerning agency payment expectations and cancellation procedures.
• Acknowledges non‑standard coverage limitations and binding restrictions to document file and lower E&O exposures.
• Asks for referrals from insureds to help generate new business.

Retention and Continuous Marketing

• Explains coverages and exclusions and documents explanations on automated file for future reference.
• Develops a book of business that is profitable for both agency and carriers.
• Works with clients to ensure limit and coverage adequacy.
• Provides needed information and clarification about clients to service staff, and documents system by transaction date.
• Reviews existing policy coverages at least annually to upgrade accounts and remarket as necessary.
• Assists service staff to collect client information in preparation of schedules of insurance, summaries, and renewal proposals.
• Reviews appropriate policy change requests and other account activity.
• Recommends and helps insureds carry out loss‑control programs, independently and with company loss‑control staff.
• Contacts insureds to assist in collections of past‑due premiums or audit amounts.
• Retains assigned percentages of accounts at each renewal.
• Continues to develop relationships with insureds.
• Accepts and handles any duties or prospects as assigned by agency management.

Personal and Organizational Development

• Participates in sales meetings.
• Completes required compliance exams.
• Completes required continuing education classes for resident insurance license.
• Develops network relationships by joining the Chamber of Commerce, attending bank meetings, and actively involving in community or non‑profit organizations.

Knowledge, Skills, and Abilities

• College education or equivalent insurance experience.
• Ability to communicate verbally and in writing, explain complex issues, receive and interpret complex information, and respond appropriately.
• Ability to understand written and oral communication and to interpret abstract information.
• Must maintain an insurance license.
• Full knowledge of insurance products and usages.
• Adequate knowledge of rating procedures, coverages, and industry operations to effectively manage, maintain, and write assigned client prospect lists.
• Full knowledge of insurance markets and references to markets.
• Knowledge of rating and underwriting procedures.
• Ability to generate new business sales, retain existing business, and close sales in insurance.
• Ability to carry out complex tasks with concrete and abstract variables.

NOTE: This job description is not intended to be all‑inclusive. Employees may perform other related duties as assigned by a supervisor to meet the ongoing needs of the organization.