Personal Lines Producer

Job Description:

Title: Personal Lines Producer

Work Mode: Hybrid | Location/Supporting: Knoxville, TN | Experience: Personal Lines Retail Sales, Business Development, Networking & Relationship Management

Please note: If this position is posted as either fully remote and/or hybrid, in accordance with company policy, individuals residing within a 50-mile radius of a branch location may be required to work onsite in a hybrid capacity as there may be occasions when on-site presence is necessary to meet specific business needs. Additionally, our remote work policy includes having a dedicated, distraction-free workspace. Remote work is not a substitute for childcare, elder care, or other personal responsibilities during working hours.

To view our branch locations, please visit: ioausa.com/locations

About the Role:  The Personal Lines Producer is responsible for driving new business growth by developing client relationships, cultivating referral networks and Centers of Influence, and serving as a trusted advisor to individuals and families seeking personal insurance solutions.

This role leverages industry expertise, community involvement, and strategic partnerships to identify opportunities, recommend tailored coverage solutions, grow a book of business, and deliver an exceptional client experience while collaborating with internal teams and carrier partners to achieve sales and retention objectives.

Key Responsibilities:

• Business Development: Develop and execute business development strategies to generate new Personal Lines opportunities and achieve established sales and growth objectives.
• Pipeline Management: Build, maintain, and actively manage a pipeline of prospective clients through networking, referrals, community involvement, and relationship-building activities.
• Client Relationship Management: Develop long-term client relationships, conduct client reviews, and proactively identify opportunities to strengthen coverage, improve risk management, and drive account growth.
• Consultative Sales: Serve as a trusted advisor by assessing client needs, analyzing exposures, and recommending insurance solutions aligned with clients' goals and risk profiles.
• Coverage Placement & Carrier Relations: Market and place insurance programs by negotiating coverage options and pricing with carrier partners to secure competitive solutions for clients.
• Cross-Selling & Internal Collaboration: Identify cross-selling opportunities and collaborate with internal partners across Commercial Lines, Employee Benefits, Wealth Management, and other business divisions.
• Referral Network Development: Establish and maintain strategic referral partnerships with Realtors, Mortgage Professionals, Financial Advisors, Attorneys, Business Owners, Community Leaders, and other Centers of Influence.
• Networking & Community Engagement: Represent IOA at networking events, industry associations, and community functions to generate business opportunities and strengthen local market presence.
• Professional Brand Development: Leverage LinkedIn and other professional networking tools to build credibility, expand professional relationships, and increase market visibility.
• Industry Expertise: Maintain current knowledge of carrier appetites, market trends, coverage developments, and industry best practices to provide informed client recommendations.
• Client Experience: Partner with service and operations teams to ensure a seamless client experience and support long-term client satisfaction and retention.
• Professional Leadership: Demonstrate professionalism, integrity, accountability, and leadership while championing IOA's Core Values in all client and business interactions.
• Ideal Candidate Qualifications: Active Property & Casualty License required.
• 2+ years of Personal Lines insurance sales experience within a retail agency environment preferred.
• Proven success generating new business, growing client relationships, and achieving sales objectives.
• Demonstrated ability to develop referral sources and Centers of Influence through networking and relationship-building.
• Existing professional network and strong community presence preferred.
• Strong consultative selling, communication, presentation, and interpersonal skills.
• Working knowledge of Personal Lines insurance products, carrier markets, and coverage solutions.
• Entrepreneurial mindset with the ability to work independently while collaborating effectively with internal teams and carrier partners.
• Proficiency with Microsoft Office, CRM platforms, and agency management systems.
• Strong organizational skills, professional credibility, and commitment to delivering exceptional client service.

What We Offer:

• Competitive salaries and bonus potential
• Company-paid health insurance
• 401K with employer match
• Professional growth and career progression opportunities
• Respectful culture and work/family life balance
• Community service commitment
• Supportive teammates and a rewarding work environment

What to Expect (Application Process):

30-Minute Phone Screen and Interview(s)