Advisor - Direct Sales/Inside Sales

Element Risk Management; Front Royal (VA); On-site; USD 52,000 - 82,000; Full time

Job summary

Element Risk Management is seeking a motivated Insurance Advisor—Direct Sales / Inside Sales to join our growing team. You will handle internal leads, referrals, small commercial lines, and select personal lines opportunities while building lasting client relationships.

The ideal candidate thrives in a fast-paced environment, responds quickly to new opportunities, and aligns coverage with client needs. A licensed professional with communication, organization, and diligent follow-up will excel

Qualifications

• Active Property & Casualty license required.
• Small commercial lines experience preferred.
• Personal lines experience preferred.
• Strong communication, organization, and follow-up skills.
• Ability to manage multiple opportunities at one time.
• Comfortable working with inbound leads, referrals, and cross-sell opportunities.
• Self-motivated, accountable, and sales-oriented.
• Strong attention to detail and ability to document activity accurately.

Responsibilities

• Sales & Lead Management: Handle internal leads and referrals, gather underwriting information, qualify prospects, and manage opportunities through quoting and binding.
• Small Commercial Lines: Quote and place small commercial accounts, negotiate terms with underwriters, and prepare professional proposals.
• Personal Lines: Handle select personal lines opportunities and cross-sell where appropriate, reviewing current coverage.
• Client Experience: Provide consultative sales and educate clients on coverages, ensuring a smooth transition to service after binding.

Skills

Inside sales

Lead management

Customer service

Communication

Relationship building

Tools

Agency management systems

Sales platforms

Job description

About this position

Element Risk's Core Values:

Element Risk's Core Values:

Integrity: Commit to honesty, transparency, and doing what is right even when no one is watching. Integrity is the foundation of trust in every decision, relationship, and outcome.Ownership: Take full responsibility for results, embracing both success and failure. Show grit and Relentless Perseverance, and practice Proactive Stewardship by protecting relationships and resources entrusted to us.Excellence: Pursue the never-ending journey of Continuous Improvement. Enhance skills, processes, and services while being Growth Oriented and driving innovation.Humility: Bring expertise with self-assurance while staying open to learning and valuing the perspectives of others. Lead and collaborate without ego.Authenticity: Show up as our true self, speak honestly, and build trust through openness and respect.

Position Overview: Element Risk isseekinga motivated and client-focusedInsurance Advisor– Direct Sales / Inside Salesto join our growing team. This role will focus on handlinginternal leads, referral opportunities, small commercial lines accounts, and select personallinesopportunities.The ideal candidate is an insurance professional who enjoys building relationships, responding quickly to new opportunities,identifyingclient needs, and placing coverage with theappropriate carriermarkets. This position iswell-suitedfor someone who is organized, sales-driven, detail-oriented, and comfortable managing a steady flow of inbound leads and referrals.

PRIMARY RESPONSIBILITIES AND DUTIES:Sales & Lead Management:

Handle internal leads and referral opportunities from producers, account managers, centers of influence, and existing clients. Respond promptly to new business opportunities and gather required underwriting information. Qualify prospects and identifyappropriate coverageneeds. Manage opportunities frominitialintake through quoting, proposal, binding, and handoff to service. Maintaintimelyandaccuratedocumentation in the agency management system and sales platform. Follow up consistently with prospects, clients, carriers, and referral sources. Cross-selladditionallines of coverage whenappropriate.

Small Commercial Lines

Quote and place small commercial accounts, including but not limited to: Business Owners Policies General Liability Commercial Property Business Personal Property WorkersCompensation Commercial Auto Inland Marine / Tools & Equipment Professional Liability Umbrella / Excess Liability Cyber Liability Review current policies and declarations pages toidentifycoverage gaps, pricing concerns, and remarketing opportunities. Work with carrier underwriters to negotiate terms, pricing, and coverage options. Prepare coverage comparisons and professional proposals for clients. Explain coverage options clearly and professionally.

Personal Lines

Handle select personal lines opportunities, including: Homeowners Personal Auto Umbrella Collections Boats Motorcycles Other personal lines exposures Quote new personallinesopportunities and cross-selladditionalcoverage whereappropriate. Review current coverage and make recommendations consistent with Element Risk standards.

Client Experience

Provide a consultative sales experience focused on coverage, education, and client needs. Build trust with prospects and clients throughtimelycommunication and professional advice. Clearly explain coverage options, carrier differences, pricing, and next steps. Ensure a smooth transition from sales to service after binding.

KEY SKILLS and COMPETENCIES:

Enjoysinside sales and working with warm leads. Is responsive, organized, and proactive. Can balance speed with accuracy. Understands the importance of both sales production and client experience. Iscomfortable asking questions, gathering information, and moving opportunities forward. Takesownership of their pipeline andfollowsup consistently. Wants to grow within a collaborative insurance agency environment.

KNOWLEDGE, SKILLS & ABILITIES:

Performs duties independently with little or no supervision, operating from established directions and instructions. Decisions are made within general agency constraints and insurance laws, and require independent decision-making.The position involves daily contacts with customers and carriers, which encompasses information exchange, problem solving, quoting, and/or negotiations, significant contact with customers to collect information on any changes to the customer’s characteristics and to analyze the customer’s continued exposure and tolerance to risk, as well as review coverage options and risk management/prevention strategies.Thorough technical knowledge of personal and commercial lines insurance, including an understanding of commercial insurance forms and risk alternatives. Outstanding verbal and written communication skills.

JOB REQUIREMENTS and QUALIFICATIONS:

Active Property & Casualty insurance licenserequired. Small commercial lines experience preferred. Personallinesexperience preferred. Strong understanding of commercial insurancecoveragesand underwriting information needed to quote small business risks. Experience with agency management systems and sales platforms preferred. Strong communication, organization, and follow-up skills. Ability to manage multiple opportunities at one time. Comfortable working with inbound leads, referrals, and cross-sell opportunities. Self-motivated, accountable, andsales-oriented. Strong attention to detail and ability to document activity accurately.

OTHER RELEVANT REMARKS:

This position description describes the general nature and level of work performed. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this position. This position description is not intended as and does not create a contract of employment between the Agency and any individual employee. The Agency reserves the right to change this position description at any time within its sole discretion.