Personal Lines Producer

Job Description: Title: Personal Lines Producer

Work Mode: Hybrid | Location/Supporting: Knoxville, TN | Experience: Personal Lines Retail Sales, Business Development, Networking & Relationship Management

Please note: If this position is posted as either fully remote and/or hybrid, in accordance with company policy, individuals residing within a 50-mile radius of a branch location may be required to work onsite in a hybrid capacity as there may be occasions when on-site presence is necessary to meet specific business needs. Additionally, our remote work policy includes having a dedicated, distraction-free workspace. Remote work is not a substitute for childcare, elder care, or other personal responsibilities during working hours. To view our branch locations, please visit: ioausa.com/locations

About the Role:

The Personal Lines Producer is responsible for driving new business growth by developing client relationships, cultivating referral networks and Centers of Influence, and serving as a trusted advisor to individuals and families seeking personal insurance solutions. This role leverages industry expertise, community involvement, and strategic partnerships to identify opportunities, recommend tailored coverage solutions, grow a book of business, and deliver an exceptional client experience while collaborating with internal teams and carrier partners to achieve sales and retention objectives.

Key Responsibilities:

• Business Development: Develop and execute business development strategies to generate new Personal Lines opportunities and achieve established sales and growth objectives.
• Pipeline Management: Build, maintain, and actively manage a pipeline of prospective clients through networking, referrals, community involvement, and relationship-building activities.
• Client Relationship Management: Develop long-term client relationships, conduct client reviews, and proactively identify opportunities to strengthen coverage, improve risk management, and drive account growth.
• Consultative Sales: Serve as a trusted advisor by assessing client needs, analyzing exposures, and recommending insurance solutions aligned with clients' goals and risk profiles.
• Coverage Placement & Carrier Relations: Market and place insurance programs by negotiating coverage options and pricing with carrier partners to secure competitive solutions for clients.
• Cross-Selling & Internal Collaboration: Identify cross-selling opportunities and collaborate with internal partners across Commercial Lines, Employee Benefits, Wealth Management, and other business divisions.
• Referral Network Development: Establish and maintain strategic referral partnerships with Realtors, Mortgage Professionals, Financial Advisors, Attorneys, Business Owners, Community Leaders, and other Centers of Influence.
• Networking & Community Engagement: Represent IOA at networking events, industry associations, and community functions to generate business opportunities and strengthen local market presence.
• Professional Brand Development: Leverage LinkedIn and other professional networking tools to build credibility, expand professional relationships, and increase market visibility.
• Industry Expertise: Maintain current knowledge of carrier appetites, market trends, coverage developments, and industry best practices to provide informed client recommendations.
• Client Experience: Partner with service and operations teams to ensure a seamless client experience and support long-term client satisfaction and retention.
• Professional Leadership: Demonstrate professionalism, integrity, accountability, and leadership while championing IOA's Core Values in all client and business interactions.

Ideal Candidate Qualifications:

• Active Property & Casualty License required.
• 2+ years of Personal Lines insurance sales experience within a retail agency environment preferred.
• Proven success generating new business, growing client relationships, and achieving sales objectives.
• Demonstrated ability to develop referral sources and Centers of Influence through networking and relationship-building.
• Existing professional network and strong community presence preferred.
• Strong consultative selling, communication, presentation, and interpersonal skills.
• Working knowledge of Personal Lines insurance products, carrier markets, and coverage solutions.
• Entrepreneurial mindset with the ability to work independently while collaborating effectively with internal teams and carrier partners.
• Proficiency with Microsoft Office, CRM platforms, and agency management systems.
• Strong organizational skills, professional credibility, and commitment to delivering exceptional client service.

What We Offer:

• Competitive salaries and bonus potential
• Company-paid health insurance
• Paid holidays, vacations, and sick time
• 401K with employer match
• Professional growth and career progression opportunities
• Respectful culture and work/family life balance
• Community service commitment
• Supportive teammates and a rewarding work environment

What to Expect (Application Process):

30-Minute Phone Screen, Online Assessments, and Interview(s)

Salary Range Compensation:

Compensation for this position is individually structured based on several factors, which may include the candidate's existing book of business, revenue associated with the book, experience, qualifications, geographic market, and other business considerations. As an example, base or validation compensation may start at $60,000 annually and may vary based on these factors. The position is also eligible for commission-based compensation in accordance with the applicable Producer compensation plan.

Equal Opportunity Statement:

Insurance Office of America is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

Company Overview:

Insurance Office of America (IOA) is one of the largest privately held independent insurance brokerages in the United States. Founded in 1988, IOA has more than 1,500 associates located in over 60 offices in the U.S., and it is a recognized leader in providing property and casualty, employee benefits, and personal lines insurance and risk management solutions. In California, dba IOA Insurance Services. (#0E67768) For more information, visit