Personal Lines Risk Advisor

Position: Personal Lines Risk Advisor Reports To: COO, Personal Practice Leader Essential Functions Generates leads, develops new accounts, and manages existing personal insurance accounts to ensure client satisfaction and maintain competitiveness in the personal lines marketplace. Position Summary Requires an enthusiastic, proactive individual with excellent communication skills, a strong relationship mindset, and the drive to grow and maintain a personal lines book of business. Must be a self-starter who enjoys helping clients protect what matters most and is motivated to consistently improve and grow. Duties/Activities Coordinates with Personal Lines Manager and/or Sales Leader to identify target markets and develop offerings that keep Powers competitive in the personal lines spaceActively generates new leads and accounts through referrals, networking, community engagement, and digital outreachFollows up on all leads and referrals promptly and professionallyEvaluates prospect needs and educates them on the value and scope of available coverage optionsAssists Personal Lines Marketer with quoting and placing new personal insurance accountsPositively represents Powers Insurance and the insurance profession in the communityStays current with industry trends and product offerings through training and continuing educationEmbraces a growth mindset—receptive to coaching, feedback, and skill-buildingMaintains thorough records of client activity and communications in the agency management systemParticipates fully in team and sales training programs as requested New Business Gathers all necessary personal risk details to create a comprehensive and accurate new business submissionWorks with Personal Lines Marketer to prepare applications, quote details, and supporting documentsReviews carrier quotes for accuracy and alignment with client needsCollaborates with Personal Lines Marketer and/or Account Manager to finalize and personalize proposal documentsPresents coverage proposals to prospects in a clear, consultative, and professional mannerCloses the sale by finalizing coverage, confirming premium payment method, and instructing team to finalize signatures and issue the corresponding policiesActively participates in networking/prospecting activities, including building regular referral partnersSubmits signed documents and binding confirmation to Account ManagerEnsures delivery of policy documents to clients in a timely manner, when appropriate Renewal Business Reviews upcoming renewals with Account Manager to determine client contact strategyObtains updated risk information to facilitate accurate renewal quotesDiscusses coverage changes, updated risk exposures, and available policy enhancements with Account ManagerHelps ensure client understanding and retention by maintaining proactive communication throughout the renewal processBuilds and maintains strong client relationships throughout the policy lifecycle Miscellaneous Assists in collecting premiums (initial, earned, or audit) as needed; ultimate responsibility for uncollected agency bill premiums fall on the ProducerIdentifies opportunities for process improvement that benefit clients and agency operationsMaintains strong collaboration and communication with Account ManagersPerforms additional duties and special projects as assigned Knowledge, Skills And Ability Requirements Self-starter, aggressive, detailed with follow-through.Experience in the insurance field preferred, but not required.Minimum 2 years’ sales experience.Competent computer skills, particularly Microsoft Office products including Word, Excel, and Outlook, and the ability to master the agency management system.P&C Broker license required within 90 days. Disclaimer The above information has been designed to indicate the general nature and level of work performed within this job. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees assigned to the job. Associate must attend work on a regular basis, on time, and withstand varying degrees of stress. This position description describes the minimum selection requirements to qualify for the position. All employees must also demonstrate positive personal and interpersonal behavior and attitude with customers and employees in order to ensure a high level of expertise in supervision and general management. Compliance The associate has the responsibility to acquire and maintain the required knowledge of industry regulations and licenses and those regulations and policies inherent to position requirements.