Commercial Insurance Sales Representative

Commercial Insurance Sales Producer

About Us

At Heartland, we are focused on results, not corporate politics. We foster a harmonious work environment where associates feel like family and want to have fun  are hard‑working but not at the expense of our families. You will find an entrepreneurial environment where we take the time to educate, coach, and lead employees into further opportunities within the company. We strive to give all associates a good work‑life balance and welcome people into our environment.

We want our employees to feel like part of our family, not just a number.

Heartland recognizes the importance of a quality benefits package. Our generous benefit package includes, but is not limited to, Paid Time Off, Health Insurance, Life Insurance, Long‑Term Disability, Employee Assistance Program, and two retirement plans.

Primary Responsibility

To solicit new business accounts and maintain existing commercial accounts to enhance agency profitability in accordance with the objectives set forth in the agency business plan and agency policies and procedures.

• Solicit new commercial accounts in order to meet new business production goals set forth annually by the Sales Manager.
• Follow agency directives and develop a profitable book of business.
• Maintain existing customers by providing an excellent level of customer service.
• Stay informed of industry developments through review of trade press and by attending company training and sales meetings.
• Promote the agency and insurance industry in the community.
• Pursue a program for personal and professional development. Perform other specific duties and projects as assigned by Sales Manager.
• Improve insurance company relationships through company contacts. Serve clients as a trusted advisor and provide insurance counsel as appropriate or required by client.
• Quotation of new or renewal business – utilize qualified staff in the process of quoting.
• Customer service – assist in handling customer service issues.

New Business Credit Procedures

The Account Executive is 100% responsible for collecting the initial premium on the account, defined as either the entire premium if paid annually or the deposit premium and signed premium finance note. The premium must be collected prior to binding. Payment is due by the effective date of the policy. If payment is not received within 15 days, an A.N.O.C. will be issued.

The only exception is a signed authorization by the President.

Renewal Credit Procedures

The Account Executive is 100% responsible for obtaining the annual premium or the deposit and signed premium finance note for all renewals. These funds should be binder‑billed 15 days prior to inception. An A.N.O.C. will be issued if the premiums are not collected within 15 days. No renewal will be granted to a customer with a past‑due balance.

Surplus Line Coverage

No surplus lines coverage will be bound without the collection of premium. If the Account Executive does so, they are 100% responsible for any bad debts incurred.

Quotations of New or Renewal Business

It is mandatory to attach an HHC credit document showing the annual premium amount or deposit for premium‑financed policies. The HHC credit procedures should be discussed as part of the quote.

Endorsements, Installments & Reports

All endorsement, installment, and reporting premiums are due upon receipt by the insured. The accounting department is responsible for collection of these premiums. An A.N.O.C. will be issued after 15 days if payment is not received.

Responsibility of Bad Debts

The Account Executive is 100% responsible for bad debts related to deposit or annual premiums on both renewal and new business. The accounting department is responsible for collection of all accounts receivable. The Account Executive has no authority to extend coverage without written authorization of the President.

• High School Diploma
• At least 5 years of sales experience
• High degree of self‑discipline and motivation
• Excellent communication skills, oral and written
• Technical education (CIC, CPCU, company courses) helpful; willingness to continue education essential
• Well‑groomed and neat appearance essential
• Holds required and appropriate insurance agent’s license
• Above average organization and time management skills
• Must be licensed driver in compliance with agency’s requirement regarding motor vehicle record

• College degree in Risk Management and Insurance, Business or related field
• Holds a CIC or CPCU designation
• Knowledge of employee benefits sales techniques
• Ability to multitask multiple priorities
• Proficient in Microsoft Office Suite
• Ability to work well with others

• Mid‑Senior level

• Full‑time

• Sales and Business Development
• Industries:
  Insurance