Client Account Executive - Personal Lines

Choice Insurance; Fargo (ND); On-site; USD 52,000 - 76,000; Full time

Job summary

Choice Insurance, a Vizance Company, is seeking a Client Account Executive - Personal Lines to manage marketing, sales, service and quality standards for a defined client book in Fargo, ND. The role serves as the primary contact after onboarding from the Insurance Advisor and emphasizes a people-first approach with proactive client service.

You will work on-site full time in Fargo, collaborating with Life Benefits and Commercial Lines teams to address client needs, explain coverages, and process

Qualifications

• 4-year Degree in related field or 6 years combined education/financial experience.
• Current Property & Casualty and/or Life and Health Licensing.
• Relates Insurance Designations (i.e. CISR, CIC, CPCU) preferred.
• Ability to lead capacity for one or more functional areas.
• Lead and develop client account teams.

Responsibilities

• Pre-qualifies prospects’ coverage needs and prepares quotes to sell new accounts.
• Manages renewals, remarkets, and ensures coverage adequacy for clients.
• Educates clients on coverages and assists with claims and policy changes.
• Builds and maintains strong client relationships and schedules client visits.

Skills

Interpersonal skills

Communication skills

Energetic personality

Change management

Problem solving

Open communication

Rating procedures knowledge

MS Office & Excel

Adaptability

Efficient & systematic work

Education

4-year degree or equivalent experience

Property & Casualty and Life/Health licensing

Designations: CISR/CIC/CPCU

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