Property & Casualty Risk Advisor

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

Job summary

An established insurance brokerage in San Diego is looking for Property & Casualty Risk Advisors to join their team. The successful candidates will be responsible for building new client relationships and retaining existing ones. The position requires a valid California Property & Casualty License, with a preference for candidates with 4+ years of experience. The first-year salary is negotiable, typically between $60,000 – $110,000+, plus annual commissions based on performance.

Qualifications

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

Responsibilities

• Create Personal Excellence Plan with Sales Manager and President.
• Identify, develop, and nurture relationships with prospects.
• Deliver sales presentations to prospects and clients.
• Assist in marketing accounts with key relationships.
• Develop a profitable book of business for the agency.

Skills

Sales techniques

Interpersonal skills

Negotiation

Problem-solving

Communication

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 Property & Casualty 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 businesses 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

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.

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.
• 4+ 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 Advisor’s 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.