Personal Lines Risk Advisor

Powers-Insurance-and-Risk-Managemen; St. Louis (MO); On-site; USD 65,000 - 90,000; Full time

Job summary

Powers Insurance and Risk Management in St. Louis seeks an enthusiastic producer to grow and manage a personal lines book of business. You will be a self-starter with strong communication skills, building relationships and driving growth under the COO and Personal Practice Leader.

The role focuses on generating leads, quoting and placing new personal accounts, and maintaining client satisfaction while staying current with industry trends and product offerings.

Qualifications

• Self-starter with aggressive follow-through and attention to detail.
• Experience in the insurance field preferred, but not required.
• Minimum 2 years’ sales experience.
• Competent with Microsoft Office and agency management systems; must learn the AMS.

Responsibilities

• Generate leads, develop accounts, and manage personal insurance books of business.
• Coordinate with Personal Lines Manager to identify target markets.
• Present coverage proposals to prospects and close sales.
• Maintain records in the agency management system.
• Participate in training programs and networking activities.

Skills

Self-starter

Aggressive

Attention to detail

Sales experience

MS Office

P&C broker license

Tools

Word

Excel

Outlook

Agency management system

Job description

Reports To: COO, Personal Practice Leader

Essential Functions:

Generates leads, develops new accounts, and manages existing personal insurance accounts to ensure client satisfaction and maintain competitiveness in the personal lines marketplace.

Position Summary:

Requires an enthusiastic, proactive individual with excellent communication skills, a strong relationship mindset, and the drive to grow and maintain a personal lines book of business. Must be a self-starter who enjoys helping clients protect what matters most and is motivated to consistently improve and grow.

Duties/Activities

• Coordinates with Personal Lines Manager and/or Sales Leader to identify target markets and develop offerings that keep Powers competitive in the personal lines space
• Actively generates new leads and accounts through referrals, networking, community engagement, and digital outreach
• Follows up on all leads and referrals promptly and professionally
• Evaluates prospect needs and educates them on the value and scope of available coverage options
• Assists Personal Lines Marketer with quoting and placing new personal insurance accounts
• Positively represents Powers Insurance and the insurance profession in the community
• Stays current with industry trends and product offerings through training and continuing education
• Embraces a growth mindset—receptive to coaching, feedback, and skill-building
• Maintains thorough records of client activity and communications in the agency management system
• Participates fully in team and sales training programs as requested

New Business

• Gathers all necessary personal risk details to create a comprehensive and accurate new business submission
• Works with Personal Lines Marketer to prepare applications, quote details, and supporting documents
• Reviews carrier quotes for accuracy and alignment with client needs
• Collaborates with Personal Lines Marketer and/or Account Manager to finalize and personalize proposal documents
• Presents coverage proposals to prospects in a clear, consultative, and professional manner
• Closes the sale by finalizing coverage, confirming premium payment method, and instructing team to finalize signatures and issue the corresponding policies
• Actively participates in networking/prospecting activities, including building regular referral partners
• Submits signed documents and binding confirmation to Account Manager
• Ensures delivery of policy documents to clients in a timely manner, when appropriate

Renewal Business

• Reviews upcoming renewals with Account Manager to determine client contact strategy
• Obtains updated risk information to facilitate accurate renewal quotes
• Discusses coverage changes, updated risk exposures, and available policy enhancements with Account Manager
• Helps ensure client understanding and retention by maintaining proactive communication throughout the renewal process
• Builds and maintains strong client relationships throughout the policy lifecycle
• Assists in collecting premiums (initial, earned, or audit) as needed; ultimate responsibility for uncollected agency bill premiums fall on the Producer
• Identifies opportunities for process improvement that benefit clients and agency operations
• Maintains strong collaboration and communication with Account Managers
• Performs additional duties and special projects as assigned

Knowledge, Skills and Ability Requirements

• Self-starter, aggressive, detailed with follow-through.
• Experience in the insurance field preferred, but not required.
• Minimum 2 years’ sales experience.
• Competent computer skills, particularly Microsoft Office products including Word, Excel, and Outlook, and the ability to master the agency management system.
• P&C Broker license required within 90 days.

Disclaimer

The above information has been designed to indicate the general nature and level of work performed within this job. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees assigned to the job. Associate must attend work on a regular basis, on time, and withstand varying degrees of stress. This position description describes the minimum selection requirements to qualify for the position. All employees must also demonstrate positive personal and interpersonal behavior and attitude with customers and employees in order to ensure a high level of expertise in supervision and general management.

Compliance

The associate has the responsibility to acquire and maintain the required knowledge of industry regulations and licenses and those regulations and policies inherent to position requirements.