Personal Lines Risk Advisor

Cavignac & Associates; San Diego (CA); On-site; USD 60,000 - 110,000; Full time

Job summary

A leading insurance brokerage firm in San Diego is seeking a Personal Lines Risk Advisor to create and develop client relationships, deliver tailored insurance solutions, and achieve sales targets. Candidates should hold a current California Property & Casualty License and preferably have 3+ years of experience. This role offers a negotiable salary ranging from $60,000 to $110,000, plus commissions based on sales performance, within a dynamic and supportive culture focused on personal and professional growth.

Qualifications

• 3+ years experience as a Personal Lines Risk Advisor preferred.
• Must hold and maintain current California Property & Casualty License.
• Proven track record in achieving sales objectives.

Responsibilities

• Create and nurture relationships with prospects and clients.
• Deliver sales presentations on new and renewal business.
• Provide risk management advice to clients.

Skills

Interpersonal skills

Sales objectives achievement

Effective communication

Attention to detail

Negotiation

Education

Bachelor's Degree

Job description

Description

This is an opportunity to join an insurance brokerage company that was recognized by US Business Insurance as having the number one Best Workplace Culture in the country.

Our long-term objective is to remain locally owned and independent. While continuing to build a culture that’s focused on contribution and growth.

We’re recruiting Personal Lines Risk Advisors that want to:

• Play a vital role in the growth and perpetuation of a company.
• Become owners of a company that has developed a strong reputation in the industry.

Our Risk Advisors are responsible for creating new relationships and retaining existing ones. This requires the ability to ask the right questions, understand a business’s needs and deliver comprehensive solutions. Collectively the technical knowledge and sales skills will enable our Risk Advisor to bring on new clients and provide the value our existing clients need.

We recognize that you’ll come to us with insurance knowledge. Yet we’ll make sure you get all the training, resources and support needed to learn the Cavignac Way. All of which will put you in the best position to excel as a Risk Advisor and achieve your objectives throughout your career.

The following details a general list of Duties, Qualifications and Abilities for this position.

Requirements

Duties

The primary duties of the Risk Advisor consist of:

Sales & Consulting

• Create your Personal Excellence Plan with the Sales Manager and President.
• Identify, develop and nurture relationships with prospects and centers of influence.
• Leverage a system to maintain contact and add value to prospects, centers of influence and clients on a consistent basis.
• Deliver sales presentations to prospects and clients on new and renewal business.
• Provide risk management/loss prevention advice to prospects and clients.
• Cross-sell the agency’s services.
• Ask for referrals from centers of influence and clients to generate new business.
• Participate in team sales situations with other Risk Advisors and support personnel.
• Obtain information needed for rating and issuance of proposals.
• Quote all lines of business with all carriers via the carriers’ online quoting systems and communicate with underwriters, as needed.
• Prepare proposals.
• Prepare applications and bind coverage.
• Make new sales in accordance with goals set in conjunction with sales manager.
• Suggest new prospecting and marketing ideas.

Service & Retention

• Proactively work on upcoming renewals to ensure services are completed in an accurate and timely manner.
• Assist in marketing accounts when having key relationships and/or product expertise.
• Review proposals prior to meeting with clients.
• Work with the team to design insurance plans and recommend coverages to clients.
• Document all material conversations in Epic with insureds and/or carriers regarding coverages and exposures.
• Maintain accurate client information while adhering to company SOPs.
• Resolve claim, billing and late premium problems while accurately documenting in Epic with service records (when required).
• Work with the team to ensure coverage adequacy and identify Cavignac resources needed to service client needs.
• Develop a profitable book of business for the agency and carriers.

Role & Team Growth

• Execute the Personal Excellence Plan to ensure that the objectives are achieved.
• Take initiative for learning and improving technical and sales skills regularly.
• Attend and participate in sales meetings.
• Manage workload and relationships while consistently hitting monthly sales goals.
• Attend client related professional association events along with insurance association and company events.
• Understand and comply with agency SOPs, Customer Service Standards, and the Employee Handbook.
• Deliver presentations for professional associations, community events, partner webinars, etc.
• Join and participate in non-profit organizations throughout the community and sit on at least one Community Board.
• Maintain positive relationships with Cavignac employees and partners.

Qualifications

• Must hold and maintain current California Property & Casualty License.
• 3+ years experience as a Personal Lines Risk Advisor (Preferred).
• Proven success record in achieving sales objectives and numbers.
• Attained a Bachelor’s Degree (Preferred).

Abilities

• You lead through your actions and embrace your responsibilities.
• You’re a continuous learner who is always seeking to improve.
• You put the team first and create ways to make your peers better.
• You deliver an exceptional level of service to those you work with.
• You have strong interpersonal skills and thrive in a team environment.
• You’re an effective communicator; both written and verbal.
• You’re great with attention to detail and produce high-quality work.
• You grasp complex issues and establish solutions to address them.
• You thrive in situations that require negotiation and influence.
• You’re able to effectively manage a sizable and demanding workload.
• You’re a self-starter who is always proactive and responsive.
• You consistently meet deadlines and are dependable.
• You excel in servicing clients and putting their needs first.
• You have a positive attitude and an unrelenting work ethic.

First year salary is based on a variety of factors including a Risk Advisors’ transferrable book of business, years of experience, etc. and is negotiable. It typically falls between $60,00 – $110,000+. Annual commissions and bonuses do not have a limit as they are dependent on the Risk Advisor’s capability to generate new business.