Risk Advisor, Large Commercial Lines

Job Description

Job Description

Work Arrangement: This full-time sales role is designed to maximize time in the market building relationships, prospecting, meeting with clients, and developing new business opportunities. Regular presence in office is expected to support collaboration, training, team engagement, and internal relationship-building. Work location and scheduling will vary based on client, prospect, and business needs.

The Risk Advisor drives new business and expands client relationships within the large commercial P&C market. This role focuses on prospecting complex accounts, delivering strategic risk solutions, and partnering internally and externally to provide superior client experience.

Responsibilities 

• Build and manage a pipeline of large commercial prospects to meet sales goals. 
• Lead the full sales cycle, including prospecting, presentations, proposals, negotiation, and close. 
• Develop tailored risk strategies and insurance solutions for complex clients. 
• Gather and analyze underwriting data (exposures, surveys, loss history). 
• Partner with carriers and internal teams to secure competitive programs and deliver client solutions. 
• Expand and retain a profitable book through strong relationship management and renewals. 
• Represent the agency at industry events and identify cross-sell opportunities.
• Utilize the agency management system for daily activities, documentation, and assigned tasks.
• Engage in ongoing professional development and training to strengthen skills, knowledge, and effectiveness. 
• Ensure compliance with agency processes, confidentiality standards, and quality metrics. 
• Work on projects and other work as assigned.
• Effectively use MS Office, standard office applications, and other technologies.
• Skillfully use AI tools (Copilot, ChatGPT, etc.) to aid work and efficiency. 
• Work effectively with all team members, provide backup support, and contribute to team collaboration. 
• Demonstrate alignment with our purpose, values, and culture. 

Desired Skills

• Demonstrated success in prospecting, pipeline development, and closing complex consultative sales.
• Experience working with carriers, underwriting, carrier marketing, coverage placement, and service teams.
• Knowledge of risk management, insurance products, market dynamics, and consultative sales processes. 
• Excellent communication, negotiation, and interpersonal skills. 
• Strong presentation, facilitation, and client education skills.
• Strong analytical and problem-solving skills, with the ability to translate data into recommendations.
• Strong sales, relationship-building, and goal achievement mindset. 
• Prior experience in prospecting, building a pipeline, and closing new business.
• Highly organized with the ability to manage multiple priorities in a fast-paced environment.
• Collaborative, team-oriented approach with a strong client-first mindset.
• Comfort working independently while contributing to a broader growth strategy.
• Commitment to continuous learning and staying ahead of industry trends.
• Flexibility and willingness to take on additional work and projects assigned.
• Comfortable working in a fast-paced, team-oriented environment. 
• Proficiency with Microsoft Office, agency systems (Applied EPIC preferred), carrier platforms and AI tools.
• Self-motivated, strong work ethic, adaptable, stress tolerance to overcome hurdles.
• Team player who consistently defaults to good. 

Qualifications

• 3 - 5+ years of large P & C insurance experience in a sales focused role, at independent agency preferred.
• Bachelor’s degree in business, finance, risk management, or related field preferred; high school diploma or equivalent required.
• Active Property & Casualty Insurance license in good standing. 

General Working Conditions

• Dynamic environment with frequent communication via in person, video, email, and phone. 
• Offsite client, network, and prospect meetings require non-standard normal working hours – expect evening events and travel as normal course of business.
• Ability to view computer monitors for extended periods of time.
• Culture rooted in collaboration, integrity, trust, respect, creativity, and fun.

Compensation

This is a commission-based role. During the initial validation period, a draw may be provided. Total compensation can range from $50,000 to $200,000+ based on performance. Compensation offered will be determined based on factors including experience, skills, training, location, certifications, and education. Actual earnings will vary, and compensation decisions are made on a case-by-case basis. The stated range reflects the Company's good-faith estimate of potential earnings at the time of posting. 

Eligible employees may participate in comprehensive benefit programs, including health, dental, and vision insurance; a 401(k) plan with company match; paid time off and holidays; company-paid life and disability insurance; an employee assistance program; health navigation and care advocacy services; hospital indemnity and critical illness coverage; insurance licensing and continuing education reimbursement; and other company-sponsored benefits.

Must be authorized to work in the United States on a full-time basis without Company sponsorship.

Smith Brothers Insurance, LLC is an equal opportunity employer. All qualified applicants will receive consideration without regard to race, color, religion, gender, affectional or sexual orientation, gender identity or expression, national origin, ancestry, nationality, age, disability, marital or domestic partnership or Civil Union status, pregnancy, family medical history or genetic information, atypical cellular or blood trait, military service or any other status protected by law.

This job description is only a summary of the typical functions of the job, not an exhaustive or comprehensive list of all possible responsibilities, tasks, and duties. Duties, responsibilities, and activities may change at any time with or without notice, based on business needs. This description does not constitute a contract of employment, and we reserve the right to revise the job description and/or require other tasks be performed as circumstances change.

About Smith Brothers 

Smith Brothers Insurance is a Top 100 National Broker with over 50 years of being independently operated. We are multi-disciplined with expertise in Commercial Lines, Personal Lines, Employee Benefits, Surety, Group Retirement Plans including 401(k) and 403(b) Plans, Risk Management, and Financial Services.