Client Account Executive - Personal Lines

Choice-Insurance; Fargo (ND); On-site; USD 55,000 - 85,000; Full time

Job summary

Choice Insurance, a Vizance Company, is seeking a Client Account Executive - Personal Lines to meet marketing, sales, service, and quality standards. This on-site role in Fargo, ND handles a primary client contact after the Insurance Advisor handoff, focusing on building relationships with prompt, knowledgeable service.

You will manage an assigned book, review coverages, process renewals and changes, provide solutions, and support referrals to Life Benefits and Commercial Lines.

Qualifications

• Requires a 4-year degree or 6 years related experience.
• Current Property & Casualty and/or Life and Health licensing.
• Insurance designations such as CISR, CIC, CPCU preferred.
• Ability to lead multiple functional areas.
• Strong communication and client relationship skills.
• Proficient with Microsoft Office and Excel.

Responsibilities

• Pre-qualifies prospects and prepares quotes for new accounts.
• Manages an assigned book of business with renewals and coverage changes.
• Explains coverages, keeps clients informed on policy changes.
• Coordinates with Insurance Advisor and departments for referrals.
• Schedules visits and maintains accurate client records.

Skills

Leadership

Communication

Customer service

Sales

Teamwork

Problem solving

Adaptability

Education

4-year degree or 6 years experience

P&C / Life & Health licensing

Insurance designations (CISR/CIC/CPCU)

Tools

Microsoft Office

Excel

Job description

Description

Company Overview

Choice Insurance offers comprehensive insurance products and services for business, personal and agricultural needs. We help clients identify risks and exposures within their personal lives and businesses and believe that the strength of an insurance program is measured by how closely it’s tailored to its client’s needs. At Choice Insurance, a Vizance Company our vision is simple: Be the leader in associate loyalty and client relationships. Everything we do begins with our people. This is a place where associates come first - voices are heard and contributions are valued. People feel supported and excited to be part of something meaningful! We operate under the \"We before Me\" mindset to foster a positive team culture that is committed to client success. Join us on The Journey - you're welcome here!

Purpose

The Client Account Executive - Personal Lines is responsible for meeting the marketing, sales, service, and quality standards of Choice Insurance. This role acts as the primary point of contact after the business development transfer from the Insurance Advisor. They promote ongoing people first relationships with clients by providing prompt, knowledgeable and premier customer service, while simultaneously providing support to the Insurance Advisor.

This position will be full-time on site in Fargo, ND.

Responsibilities

New Business

• Pre-qualifies and analyzes prospects’ coverage needs, recommends coverages and prepares rating quotes and proposals to sell new accounts.
• Actively solicits increases in coverage or rounding out accounts through sales to clients at every service contract.
• Recommends excess and surplus coverages, as needed to meet client insurance needs. Educates clients as to coverage limitations and documents on the system.
• Completes applications for insurance, submits to eligible and appropriate carries, and follows up to ensure timely receipt of policies or quotations.
• Actively seeks referrals from current client base to solicit for new business prospects; follows up to generate new business using prospect database and system.
• Actively refers clients to Life Benefits and Commercial Lines department for solicitation of new business.

Retention

• Responsible for an assigned book of business. Empowered to work closely within the day-to-day functions of the book including clear customer interaction.
• At each service contract, reviews current client coverages and recommends changes in coverage and in markets, as needed to ensure high quality coverage.
• Processes renewals and remarkets, as needed.
• Assists clients with making coverage changes and completes all service requests for clients.
• Informs clients of policy changes, exclusions of coverage and insurance coverage needs. Explains coverages and exclusions to clients. Uses every service contract as opportunity to review and market appropriate coverage.
• Handles direct-billed walk-in payments. Verifies coverage status processes, as appropriate. Provides receipt.
• Generates documents and produces correspondence to satisfy client service requests or to provide automated information, as needed by client.
• Prepares summaries of insurance, schedules and proposals, using computerized system.
• Assists clients in submitting first reports of claims. Obtains adjustors or visits from agency staff, facilitates prompt response from company staff and follow up on claims status to keep insureds informed and to work toward settlement of claims.
• Maintains orderly electronic files and information, following agency standards.
• Verifies accuracy and coverage adequacy of policies. Requests changes to correct errors and follows up.
• Surveys insureds’ loss exposures and recommends coverage at every service opportunity.
• Processes incoming mail requests and responds promptly and appropriately.
• Works with Insurance Advisor to schedule and plan visits to clients.
• Verifies accuracy of all direct bill cancellation notices and take appropriate action.
• Implements agency credit and collection policy regarding agency-billed commercial lines clients.
• Actively participates in insurance operations meetings

Personal and Organizational Development

• Sets priorities and manages workflow to ensure efficient, timely, and accurate processing of transactions and other responsibilities.
• Keeps informed regarding industry information, new product information, coverages, and technology to continuously improve knowledge and stay current.
• Interacts with others effectively by utilizing good communications skills, cooperates positively and provides information and guidance, as needed, to contribute to the business efforts of the agency.
• Perform other miscellaneous duties as assigned by agency management.

Related Skills & Key Competencies

• Leads as a team player with excellent interpersonal skills
• Possesses excellent written and oral communication skills
• Must possess a high energy level and outgoing personality
• Promotes and administers change and accepts diversity
• Exhibits problem-solving, and decision-making skills
• Fosters open communication
• Advanced knowledge of rating procedures, coverages, and industry operations to effectively manage, maintain, and underwrite assigned client and prospect lists.
• Proficient computer skills including Microsoft Office & Excel
• Adapts to changing instructions and working environment
• Must work in an efficient, systematic way

Requirements

• 4-year Degree in related field of study or 6 years combination of education and/or financial experience. 4+ years insurance experience required.
• Current Property & Casualty and/or Life and Health Licensing
• Preferably holds relatable Insurance Designations (i.e. CISR, CIC, CPCU)
• Performs duties outside normal scope as assigned
• Ability to lead capacity for one or more functional areas
• Capability to analyze business process, develop ad-hoc reports, provide proactive solutions and develop procedural documentation
• Well versed in insurance regulations, provides education and develops processes, procedures and policies within department
• Relies on experience and judgement to plan and accomplish goals and is comfortable with ambiguity and problem solving
• Works under little to general supervision
• Act as a leader for all Client Account Managers & Specialists