High Net Worth Insurance Producer

Department: Insurance & Financial Services

Employment Type: Full Time

Location: Miami, Florida, Florida, Remote

Position Summary

Key Responsibilities

• New Business Development: Actively prospect and build a pipeline of personal lines clients through personal networking, centers of influence (realtors, mortgage brokers, wealth managers), and community involvement.
• Client Needs Assessment & Risk Analysis: Evaluate clients personal coverage needs and property exposures to design comprehensive, tailored insurance programs.
• Carrier Selection & Quoting: Work closely with our extensive carrier market access to secure competitive rates and broad coverage solutions for personal risk portfolios.
• Consultative Selling: Present customized policy proposals to high-net-worth and standard clients, clearly explaining policy options, limits, and coverage gaps.
• Collaborative Support: Partner with assigned, highly qualified Account Managers who manage routine policy servicing, endorsements, and billing support, allowing you to focus on strategic growth.
• Industry & Market Awareness: Stay informed on private client risk trends, Florida property insurance market dynamics, and carrier underwriting updates.

Skills, Knowledge and Expertise

• Experience: 3+ years of active, successful sales experience in Personal Lines insurance.
• Licensing: Active Florida Resident Property & Casualty License (2-20 or 4-40 converted/held).
• Track Record: Proven ability as a self-motivated hunter and networker with an entrepreneurial approach to growth (not a transactional order-taker).
• Product Knowledge: Strong familiarity with Florida personal property, auto, umbrella, flood, and high-net-worth risk markets.
• Communication Skills: Excellent interpersonal, presentation, and relationship-building skills with a customer-centric focus.
• Education: High School Diploma or GED required; Bachelors degree or industry designations (e.g., CPRIA, AAI, CIC) preferred.

Benefits

• Flexible Earnings Models:
  • W2 Option: Base salary customized to individual experience level + commission incentive structure.
  • 1099 Option: Straight commission model offering 40% New / 40% Renewal.
  • Equity Opportunity: Vested equity path 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 Insurance
• Retirement & Growth Support:
  • 401(k) retirement plan with employer contribution
  • On-site Continuing Education (CE) classes and professional designation support
  • Dedicated Account Manager support ratio to maximize producer sales focus
• Additional Benefits: Voluntary insurance options available via payroll deduction, a positive professional atmosphere, and long-term career stability in a growing agency.