Commercial Insurance Inside Sales Specialist

Denis Development • Hamilton Township, NJ

2d • $50,000 - $70,000 • Hybrid

About The Position

Rue Insurance’s Select Commercial Inside Sales and Marketing Specialist serves as a trusted advisor and liaison between clients and insurance carriers. The role gathers and conveys information, secures and presents insurance options to new-business clients, and supports Rue client service teams. The specialist provides accurate, timely, high-quality advisory and client service, builds and maintains relationships, and supports the department’s new-business goals.

The position focuses on small commercial accounts with premiums below $25,000. It involves prospecting and generating business-to-business sales, identifying clients’ operational and exposure-based risks, recommending appropriate coverage or risk-control improvements, and managing the new-business placement process from information gathering and underwriting through quotations, binding, and preparation of account documents. The specialist also provides rating and quoting support to commercial client service teams and develops insurance, exposure, and coverage knowledge.

This is a full-time, salaried non-exempt position reporting to the Director of Client Services – Commercial Lines. The stated salary range is $50,000–$70,000 annually, plus commission. Flexible hybrid in-office/remote work schedules are available after 90 days.

Requirements

• Valid Property, Casualty, Life, and Health Insurance Licenses.
• Demonstrated proficiency handling small commercial insurance accounts.
• Energetic, motivated, and dedicated team player.
• Exceptional organizational, critical-thinking, and analytical skills; strong attention to detail; and ability to prioritize and work strategically and effectively in a fast-paced environment.
• Ability to recognize client operational or exposure-based risks, identify improvement opportunities, and recommend appropriate risk-control measures or insurance coverage.
• Excellent written and verbal communication skills.
• Ability to create professional business correspondence and clear, detailed, meaningful notes and descriptions in an agency management system.
• Professional appearance and demeanor, and a positive attitude.
• Proficiency with Microsoft Office.
• Experience with agency management software.

Nice To Haves

• Bachelor’s degree.
• Two or more years of B2B sales experience.
• Two or more years of commercial account management or processing experience.
• Proficiency with insurance company rating systems.
• Experience with Applied Systems Epic.

Responsibilities

• Develop prospecting strategies to increase new-business opportunities.
• Generate B2B sales for accounts with premiums below $25,000 through referrals and cold calling.
• Handle incoming prospect calls, walk-ins, and website leads.
• Collect prospect information and research appropriate products and services.
• Review prospects’ current insurance programs and recommend changes or improvements.
• Identify operational or exposure-based risk-improvement opportunities, recommend appropriate risk-control measures or coverage, and follow through to resolution.
• Build and maintain client relationships using a consultative approach.
• Reach or exceed annual sales targets and goals.
• Maintain knowledge of insurance products and marketplace companies and positive working relationships with insurance company employees.
• Compile underwriting information and prepare applications for selected companies.
• Perform underwriting and rating for risks eligible for online rating or agency underwriting authority.
• Negotiate pricing, policy conditions, and terms with insurance companies.
• Review quotations and determine the best options for price and coverage.
• Prepare proposals with coverages, premiums, recommendations, and other requested information.
• Present quotes to prospects and document their coverage elections.
• Provide binding instructions and remit deposit premiums as required.
• Prepare binders, certificates, auto ID cards, and other documents required when an account begins.
• Follow agency processes and procedures, including Epic Workflows, client documentation, records-retention guidelines, and transfer to the designated Rue service team.
• Provide rating and quoting support to commercial client service teams, including remarketing and account rounding when requested.
• Follow agency errors and omissions guidelines.
• Attend and actively participate in regular department and monthly company meetings.
• Pursue formal and informal education and professional designations to develop exposure and coverage knowledge.
• Participate in internal educational programs to develop knowledge and skills for oneself and team members.
• Complete continuing education and other requirements to maintain a current New Jersey property and casualty insurance agent license.
• Perform other duties or projects assigned by management.

Benefits

• Paid time off (PTO).
• 401(k) with employer match.
• Profit-sharing plan.
• Flexible work and in-office/remote hybrid schedules after 90 days.
• Insurance options for medical, dental, vision, long-term disability, short-term disability, life, accident, critical illness, accidental death and dismemberment, and identity theft.

What This Job Offers

• Job Type: Full-time
• Education Level: No Education Listed