Personal Insurance Client Advisor

About the Company

OneGroup is a team of more than 200 insurance and risk management professionals who are ONE company acting as ONE team, with ONE focus and ONE mission: To serve each client as our ONE client. OneGroup is one of the fastest growing independent insurance and risk management organizations in the northeast. With team members in 18 locations, OneGroup provides best-in-class client resources while maintaining an entrepreneurial, friendly, and fun environment. A subsidiary of Community Bank, N.A. (NYSE: CBU), OneGroup is headquartered in Syracuse, NY.

OneGroup's company culture sets us apart. Our core values, known as "The OneGroup Way," include:

• Knowledge Development: Professional growth and understanding of the company, workflow processes, and key personnel to get the job done. Adopting a growth mindset in everything we do.
• Big Picture: Connecting individual contributions to larger goals that make a difference for the client. Utilizing talents and teamwork to create unique solutions.
• Acknowledgement: Recognizing others' contributions and appreciating their strengths.
• Transparency: Encouraging open communication and feedback.
• Bigger Purpose: Becoming more than just an insurance company to clients by enhancing their businesses, supporting their mission, and understanding their challenges.

Responsibilities

• Work in a team environment with all members of the Personal Insurance department, including the sales and management teams, to respond to clients' needs and requests and protect their assets.
• Manage a book of business, building relationships with each account and ensuring activities are settled efficiently and accurately.
• Assist clients with policy changes, renewals, and claims processing.
• Advise clients on the company's "value" proposition, shifting focus from price to comprehensive coverage.
• Conduct coverage and exposure reviews with existing clients to ensure adequate coverage at the time of a loss, including addressing adverse loss experience.
• Contact new clients within 30-45 days of their new business effective date to introduce yourself, address outstanding issues, and confirm preferred communication methods.
• Review potential non-renewal issues with management and discuss carrier eligibility for reinstatement or coverage rewrites.
• Quote and issue mid-term rewrites as exposures change.
• Review renewal increases over established thresholds, contact incumbent carriers for rate relief options, and involve the Placement Specialist team if marketing is required.
• Contact clients who have cancelled or requested cancellation to determine reasons for their decision, establish controls to resolicit coverage, and discuss findings with the sales team and management.
• Communicate directly with insurance company underwriters to resolve outstanding or potential issues and protect the client's insurability.
• Document all interactions (phone calls, emails, meetings, letters) in the company system so any team member can assist the client.