Advisor - Direct Sales/Inside Sales

Position Overview: Element Risk is seeking a motivated and client-focused Insurance Advisor– Direct Sales / Inside Sales to join our growing team. This role will focus on handling internal leads, referral opportunities, small commercial lines accounts, and select personallinesopportunities.

The ideal candidate is an insurance professional who enjoys building relationships, responding quickly to new opportunities, identifying client needs, and placing coverage with the appropriate carrier markets. This position is well-suited for someone who is organized, sales-driven, detail-oriented, and comfortable managing a steady flow of inbound leads and referrals.

PRIMARY RESPONSIBILITIES AND DUTIES:

Sales & Lead Management:

• Handle internal leads and referral opportunities from producers, account managers, centers of influence, and existing clients.

• Respond promptly to new business opportunities and gather required underwriting information.

• Qualify prospects and identify appropriate coverage needs.

• Manage opportunities from initial intake through quoting, proposal, binding, and handoff to service.

• Maintain timely and accurate documentation in the agency management system and sales platform.

• Follow up consistently with prospects, clients, carriers, and referral sources.

• Cross-sell additional lines of coverage when appropriate.

Small Commercial Lines

• Quote and place small commercial accounts, including but not limited to:

• Business Owners Policies

• General Liability

• Commercial Property

• Business Personal Property

• Workers Compensation

• Commercial Auto

• Inland Marine / Tools & Equipment

• Professional Liability

• Umbrella / Excess Liability

• Cyber Liability

• Review current policies and declarations pages to identify coverage gaps, pricing concerns, and remarketing opportunities.

• Work with carrier underwriters to negotiate terms, pricing, and coverage options.

• Prepare coverage comparisons and professional proposals for clients.

• Explain coverage options clearly and professionally.

Personal Lines

• Handle select personal lines opportunities, including:

• Homeowners

• Personal Auto

• Umbrella

• Collections

• Boats

• Motorcycles

• Other personal lines exposures

• Quote new personal lines opportunities and cross-sell additional coverage where appropriate.

• Review current coverage and make recommendations consistent with Element Risk standards.

Client Experience

• Provide a consultative sales experience focused on coverage, education, and client needs.

• Build trust with prospects and clients through timely communication and professional advice.

• Clearly explain coverage options, carrier differences, pricing, and next steps.

• Ensure a smooth transition from sales to service after binding.

KEY SKILLS and COMPETENCIES:

• Enjoys inside sales and working with warm leads.

• Is responsive, organized, and proactive.

• Can balance speed with accuracy.