Advisor - Direct Sales/Inside Sales

Position Overview: Element Risk is seeking a motivated and client-focused Insurance Advisor– Direct Sales / Inside Sales to join our growing team. This role will focus on handling internal leads, referral opportunities, small commercial lines accounts, and select personal lines opportunities.

The ideal candidate is an insurance professional who enjoys building relationships, responding quickly to new opportunities, identifying client needs, and placing coverage with the appropriate carrier markets. This position is well-suited for someone who is organized, sales-driven, detail-oriented, and comfortable managing a steady flow of inbound leads and referrals.  

PRIMARY RESPONSIBILITIES AND DUTIES:

Sales & Lead Management:

• Handle internal leads and referral opportunities from producers, account managers, centers of influence, and existing clients.  

• Respond promptly to new business opportunities and gather required underwriting information.  

• Qualify prospects and identify appropriate coverage needs.  

• Manage opportunities from initial intake through quoting, proposal, binding, and handoff to service.  

• Maintain timely and accurate documentation in the agency management system and sales platform.  

• Follow up consistently with prospects, clients, carriers, and referral sources.  

• Cross-sell additional lines of coverage when appropriate.  

Small Commercial Lines 

• Quote and place small commercial accounts, including but not limited to:  

• Business Owners Policies  

• General Liability  

• Commercial Property  

• Business Personal Property  

• Workers Compensation  

• Commercial Auto  

• Inland Marine / Tools & Equipment  

• Professional Liability  

• Umbrella / Excess Liability  

• Cyber Liability  

• Review current policies and declarations pages to identify coverage gaps, pricing concerns, and remarketing opportunities.  

• Work with carrier underwriters to negotiate terms, pricing, and coverage options.  

• Prepare coverage comparisons and professional proposals for clients.  

• Explain coverage options clearly and professionally.  

Personal Lines 

• Handle select personal lines opportunities, including:  

• Homeowners  

• Personal Auto  

• Umbrella  

• Collections  

• Boats  

• Motorcycles  

• Other personal lines exposures  

• Quote new personal lines opportunities and cross-sell additional coverage where appropriate.  

• Review current coverage and make recommendations consistent with Element Risk standards.  

Client Experience 

• Provide a consultative sales experience focused on coverage, education, and client needs.  

• Build trust with prospects and clients through timely communication and professional advice.  

• Clearly explain coverage options, carrier differences, pricing, and next steps.  

• Ensure a smooth transition from sales to service after binding.

KEY SKILLS and COMPETENCIES: 

• Enjoys inside sales and working with warm leads.  

• Is responsive, organized, and proactive.  

• Can balance speed with accuracy.  

• Understands the importance of both sales production and client experience.  

• Is comfortable asking questions, gathering information, and moving opportunities forward.  

• Takes ownership of their pipeline and follows up consistently.  

• Wants to grow within a collaborative insurance agency environment.  

KNOWLEDGE, SKILLS & ABILITIES:

•  Performs duties independently with little or no supervision, operating from established directions and instructions. Decisions are made within general agency constraints and insurance laws, and require independent decision-making.
• The position involves daily contacts with customers and carriers, which encompasses information exchange, problem solving, quoting, and/or negotiations, significant contact with customers to collect information on any changes to the customer’s characteristics and to analyze the customer’s continued exposure and tolerance to risk, as well as review coverage options and risk management/prevention strategies.
• Thorough technical knowledge of personal and commercial lines insurance, including an understanding of commercial insurance forms and risk alternatives. Outstanding verbal and written communication skills.

JOB REQUIREMENTS and QUALIFICATIONS: 

• Active Property & Casualty insurance license required.  

• Small commercial lines experience preferred.  

• Personal lines experience preferred.  

• Strong understanding of commercial insurance coverages and underwriting information needed to quote small business risks.  

• Experience with agency management systems and sales platforms preferred.  

• Strong communication, organization, and follow-up skills.  

• Ability to manage multiple opportunities at one time.  

• Comfortable working with inbound leads, referrals, and cross-sell opportunities.  

• Self-motivated, accountable, and sales-oriented.  

• Strong attention to detail and ability to document activity accurately.  

OTHER RELEVANT REMARKS:

This position description describes the general nature and level of work performed.  It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this position.  This position description is not intended as and does not create a contract of employment between the Agency and any individual employee.  The Agency reserves the right to change this position description at any time within its sole discretion.