Commercial Insurance Producer

Department: Insurance & Financial Services

Employment Type: Full Time

Location: Miami, Florida, Florida, Remote

Commercial Lines Producer

Position Summary

Key Responsibilities

Key Responsibilities

• New Business Acquisition: Prospect, qualify, and secure new business-to-business (B2B) commercial insurance accounts using direct outreach, industry networking, referral networks, and community engagement.
• Consultative Risk Management: Conduct thorough risk evaluations and coverage analyses for mid-market and large commercial clients to structure comprehensive property, casualty, liability, and worker’s compensation programs.
• Market Negotiation & Submissions: Collaborate with underwriters across top-tier regional and national carrier markets to negotiate optimal policy terms, pricing, and coverage structures.
• Client Retention Strategy: Cultivate long-term, high-trust relationships with executive leadership, CFOs, Controllers, and business owners to maintain strong renewal retention.
• Cross-Department Collaboration: Partner with internal specialists in Employee Benefits, Personal Lines, and Surety/PEO divisions to deliver full-service solutions to commercial clients.

Skills, Knowledge and Expertise

Qualifications & Requirements

• Experience: 3+ years of active, successful B2B commercial insurance sales experience.
• Licensing: Active Florida Resident Property & Casualty License (2-20 or equivalent state license).
• Profile & Mindset: Proven track record as a proactive hunter with an entrepreneurial sales approach (not a transactional order-taker).
• Technical Knowledge: Deep understanding of core commercial lines products (Commercial Property, General Liability, Workers Comp, Commercial Auto, Umbrella/Excess, Cyber Risk).
• Communication & Negotiation: Exceptional relationship-building, financial acumen, presentation, and closing skills.
• Education: High School Diploma or GED required; Bachelor’s degree in Business, Finance, Risk Management, or related field preferred. Professional designations (e.g., CIC, CRM, CPCU) are a plus.

Benefits

Compensation & Benefits

• Flexible Compensation Models:
  • W2 Option: Base salary tailored to candidate experience paired with a competitive commission structure.
  • 1099 Option: High-tier straight commission split at 40% New / 40% Renewal.
  • Book Equity Ownership: Opportunity to earn equity in your book of business once it reaches $1 Million in revenue.
• 100% Company-Paid Core Benefits:
  • 100% Company-Paid Medical Insurance
  • 100% Company-Paid Dental Insurance
  • 100% Company-Paid Life and AD&D Policies
• Support & Professional Development:
  • Outstanding Account Manager-to-Producer support ratios to keep you focused on selling.
  • 401(k) retirement plan with company contribution.
  • Sponsored, on-site Continuing Education (CE) classes and professional designation support.
• Work Culture: Professional, supportive, and stable work environment with industry-leading profit sharing and long-term career growth.