Business Insurance Agent - Intermediate

USAA is dedicated to empowering its members to achieve financial security through competitive products and exceptional service. The Business Insurance Agent - Intermediate will advise business owners on insurance and risk management, utilizing a comprehensive suite of Commercial Insurance Products to meet the unique needs of members and non-members.

Responsibilities

• Utilizes a consultative approach to determine customer needs, build rapport, and provide solutions (composed of a la cart combinations of various products and services) based on current products and service offerings
• Builds and maintains relationships between members and nonmembers and insurance carriers, exercising technical knowledge effectively and communicating solutions
• Utilizes understanding of compliance and insurance standards and Agency Management Systems to limit agency Errors & Omissions (E&O) exposure through proper documentation
• Classifies member’s and/or non-members business and provide accurate risk management and risk mitigation solutions
• Facilitates account reviews, by leveraging the carrier renewal cycle, and understanding the members’ and nonmembers’ risk profile to provide consultative advice and appropriately address and mitigate the risk
• Researches industry trends and evolving regulatory environment (state and national), improving understanding of important technical/financial issues
• Utilizes Intermediate knowledge of Agency Management Systems/Customer Relations Management (CRM) & multiple carrier Platforms to operate comfortably at an advanced level to appropriately select product and carrier offerings
• Leverages intermediate knowledge of Carrier guidelines and processes to partner and negotiate with underwriters on endorsements, renewal questions, and remarkets for underwriting determination (approval or declination)
• Leverages intermediate understanding of calculating Insurance to Value (ITV) on a wide range of property types and structures including geographic differences and capture custom or unique features within the properties and provide appropriate details to determine accurate replacement values
• Provides select account service for member’s and nonmember’s including policy changes, certificates, endorsements, renewals, non-renewals and remarkets, cancellations, reinstatements, and record updates within agency systems
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures

Skills

• High School Diploma or General Equivalency Diploma
• 1 year of insurance sales and service experience and/or experience working in a high value, commercial insurance agency or broker setting
• Valid Property and Casualty insurance license for home state and/or ability to obtain home state and multistate license within 90 days
• 2 or more years of Commercial Lines Insurance experience writing new business. (Not including renewals and/or servicing)
• 2 or more years working experience quoting and binding directly with the insured
• Experience with Agency Management Systems and/or Salesforce
• Experience working in a Commercial Lines multiple carrier environment
• Experience writing Commercial lines in multiple states
• Experience working in a call center environment
• Active P&C General Lines License for home state

Benefits

• Comprehensive medical, dental and vision plans
• 401(k)
• Pension
• Life insurance
• Parental benefits
• Adoption assistance
• Paid time off program with paid holidays plus 16 paid volunteer hours
• Various wellness programs
• Career path planning and continuing education

Company Overview