Commercial Insurance Producer

Job Description

Job Description

** ABOUT EMPLOYMENT **

We're looking for a driven, knowledgeable Commercial Insurance Producer to join a growing Farmers agency and help expand its commercial book across the DFW market.

This is an opportunity for a true producer who enjoys prospecting, building relationships, advising business owners, and closing new business — while having the support needed to focus on what you do best: selling.

If you're licensed, experienced in commercial insurance, and motivated by production and earning potential, this could be your next great opportunity.

What You'll Do

** New Business Development **

• Build and maintain a targeted prospect list based on industry, geography, and business profile.
• Develop and manage a consistent prospecting strategy.
• Identify new business opportunities through outbound prospecting, referrals, networking, and existing agency relationships.
• Develop Centers of Influence, including:
• * CPAs
  • Attorneys
  • Bankers
  • Bonding agents
  • Business professionals
  • Industry associations
• Identify commercial opportunities within existing Personal Lines relationships.
• Develop referrals from producers, service team members, and existing clients.
• Represent the agency at chamber events, trade associations, networking events, and community functions.
• Maintain a disciplined sales pipeline with accurate stages, opportunity values, and expected close dates.
• Follow up consistently with prospects and manage opportunities through the full sales cycle.

Commercial Risk & Coverage Advisory

• Meet with business owners, executives, and other decision-makers to understand their operations and insurance needs.
• Analyze exposures related to:
• * Business operations
  • Payroll
  • Class codes
  • Fleet
  • Property values
  • Contracts
  • Prior loss history
  • Other relevant business risks
• Identify gaps in a prospect's existing insurance program.
• Help clients understand their exposures and recommend appropriate coverage solutions.
• Develop insurance programs based on the client's overall risk — not simply the lowest premium.
• Advise clients on appropriate coverage limits, deductibles, exclusions, and risk considerations.

Commercial Products

You'll work with a range of Commercial Lines products, including:

• Business Owners Policies (BOP)
• Commercial General Liability (CGL)
• Commercial Property
• Commercial Auto
• Workers' Compensation
• Umbrella / Excess Liability

Experience across multiple commercial lines is important because you'll be expected to understand the client's overall risk profile and recommend an appropriate insurance program.

Submissions & Closing

• Gather complete submission information, including:
• * ACORD applications
  • Supplemental applications
  • Loss runs
  • Financial information
  • Exposure information
  • Other required documentation
• Prepare accurate and complete submissions.
• Submit accounts through the appropriate Farmers commercial platform.
• Work directly with underwriters regarding:
• * Terms
  • Pricing
  • Credits
  • Coverage
• Prepare professional proposals comparing coverage, limits, deductibles, exclusions, and overall cost of risk.
• Present proposals to owners, controllers, CFOs, and other decision-makers.
• Lead prospects through the sales process from initial conversation through signature and binding.
• Coordinate premium financing, down payments, and required documentation.
• Ensure accurate binding within granted authority.
• Maintain complete and audit-ready account documentation.

Account Growth & Client Relationships

While this is primarily a sales and production-focused role , you'll also play an important role in developing long-term relationships with the clients you bring in.

You'll:

• Develop renewal strategies for your book.
• Conduct exposure reviews and identify changing business needs.
• Conduct annual stewardship reviews.
• Identify opportunities for additional coverage.
• Review claims activity and experience modification trends when applicable.
• Recommend changes to insurance programs as the client's business evolves.
• Advocate for clients when issues arise.
• Coordinate with Farmers claims representatives and the service team when needed.
• Support Certificates of Insurance and contractual insurance requirements.
• Assist with premium audits and communicate results and implications to clients.

** The goal is to build strong client relationships while keeping your primary focus on growth and new business production. **

What We're Looking For

** Required **

• ** Active Texas General Lines Property & Casualty license **
• ** 2+ years of commercial insurance experience **
• Experience in commercial insurance sales, underwriting, or account management
• Strong working knowledge of commercial insurance products and coverage forms
• Understanding of:
• * BOP
  • CGL
  • Commercial Property
  • Commercial Auto
  • Workers' Compensation
  • Umbrella
• Familiarity with:
• * ACORD applications
  • Loss runs
  • Class codes
  • Experience modification factors
• Proven ability to prospect independently and manage a self-directed sales pipeline
• Strong presentation and negotiation skills
• Excellent verbal and written communication skills
• Ability to communicate confidently with business owners, executives, and other decision-makers
• Strong organizational and follow-up skills
• Ability to work independently while following agency and carrier guidelines
• Strong computer and agency-management-system skills
• Valid Texas driver's license
• Reliable transportation
• Personal auto insurance meeting agency requirements

** Preferred **

• Existing relationships within the DFW commercial insurance market
• Existing book of business
• Experience with Farmers commercial products and submission platforms
• Industry specialization in areas such as:
• * Contractors
  • Trucking / Transportation
  • Restaurants
  • Habitational
  • Professional Services
• CIC, CPCU, CRM, or similar designation
• Progress toward an industry designation
• Bilingual English/Spanish

** An existing book of business is a plus — but it is not required. We're more interested in your commercial insurance expertise, sales ability, and potential to produce. **