Loss Control Representative

Missouri Farm Bureau; Jefferson City (MO); On-site; Full time

Job description

At Missouri Farm Bureau Insurance, we're more than just an insurance company - we're trusted partners and a community advocate serving families and businesses across Missouri. As part of the state's largest general farm organization, we blend decades of industry expertise with a mission-driven approach to protect what matters most to our members.

Summary:

Investigates and evaluates risk exposures for property and casualty insurance, with a strong emphasis on agricultural and rural risks. Performs audits and on-site inspections of insured properties and operations. In accordance with underwriting rules and guidelines, provides recommendations to accept, modify, limit, or decline coverage to support a safe and profitable distribution of risk.

Loss Control Representative: Exercises initiative and independent judgment in performing assigned duties.

Senior Loss Control Representative: Works under limited supervision and exercises a high degree of initiative and independent judgment performing the duties of the position.

Key Responsibilities:

• Reviews insurance applications and supporting documentation. Conducts on-site inspections of agricultural, residential and commercial properties, including buildings, outbuildings, mobile homes, vehicles, equipment, and land, to evaluate condition, valuation, liability exposures, and hazards.
• Recommends corrective actions, underwriting endorsements, and rating factors to promote safe and profitable risk selection.
• Measures and documents dwellings, buildings, and property; prepares photographs and scaled drawings as required.
• Inspects and documents agricultural operations, including but not limited to confined animal feeding operations and agri-tourism exposures.
• Inspects and documents electrical systems, including breaker panels and fuse boxes.
• Inspects and documents heating systems, including electric space heaters, wood-burning systems, and fireplaces.
• Completes solid fuel and wood heat applications, dwelling cost guides, and other inspection-related forms.
• Prepares clear, detailed written reports identifying findings and recommended corrective actions for unsafe or hazardous conditions.
• Coordinates inspection appointments with agents and customers.
• Collaborates with customers and internal staff to resolve coverage, underwriting, or rating issues.
• Communicates with agents to support compliance with underwriting guidelines, safety standards, codes, and regulations, and to promote quality risk selection.
• Develops and maintains weekly inspection itineraries and accurate inspection logs.
• Provides consistent, professional customer service and maintains strong working relationships with field staff and Home Office personnel.
• Participates in company and industry training, seminars, and conferences to maintain current knowledge of underwriting regulations and loss control standards.
• Audits agent field files to ensure completeness and required documentation.
• Trains agents and employees on loss control procedures and inspection requirements; responds to underwriting-related inquiries.
• Conducts safety and loss prevention presentations for internal and external audiences.
• Researches emerging construction techniques, materials, and agricultural practices and updates procedures accordingly.
• Performs other duties as assigned.

In addition to the job duties listed above for Loss Control Representative

• Trains and mentors less experienced personnel in safety concepts, agricultural risk exposures, and risk management techniques.
• Collaborates with management on examination processes, audits, and regulatory procedures.
• Develops loss control analysis tools and reporting materials to enhance underwriting decision-making.

What You Bring:

Bachelor's degree in agriculture, insurance, business, engineering, safety, loss control, or a related field; additional relevant experience may substitute on a year-for-year basis. Preferred completion of the Associate in Insurance (AINS) designation.

Senior Loss Control Representative: Bachelor's degree in agriculture, insurance, business, engineering, safety, loss control, or a related field and a minimum of four years of related experience; additional experience may substitute on a year-for-year basis. Preferred professional designations include ARM, AU, or completion of three or more CPCU courses.

Has a proven ability to perform at the Loss Control Representative level.

Travel Requirement:

60% travel, mostly within the state of Missouri

Why Join Us?

At Missouri Farm Bureau Insurance, you'll be part of an organization where your contributions have lasting impact on individuals, families, and communities across Missouri. We invest in professional development, offer pathways for advancement, and support you with resources to thrive. This is more than a job - it's a place where your work helps protect and grow what matters most.

Ready to Lead the Way?

Questions? Email us at [e-mail]