Senior Business Insurance Risk Advisor

6 days ago


Colorado Springs, Colorado, United States USAA Full time

About USAA

USAA has a crucial mission to provide financial security to millions of U.S. military members and their families. Our team is dedicated to building a great experience and making a real impact for our members.

We believe in honesty, integrity, loyalty, and service – values that guide everything we do. Come be a part of what makes us so special.

The Opportunity

As a Senior Business Insurance Risk Advisor, you will work in an inbound sales environment advising business owners on insurance and risk management using a full suite of Commercial Insurance Products. You will leverage knowledge of the insurance marketplace, carrier appetite, and underwriter relationships to place coverage for members' businesses.

On a daily basis, you will take incoming calls (average 7-10 calls) for business insurance coverage, collaborating with other insurance carriers. You will also make outbound follow-up calls with member and non-member customers.

USAA provides comprehensive training (13-15 weeks) so you understand our product offerings and can support each member and/or non-member independently. Your work schedule will be Monday - Friday, 9:30 am-6:00 pm Central time or 9:30 am-6:00 pm Eastern time.

This position allows remote work in the continental U.S. with occasional business travel. This is a full-time, hourly, non-commission position.

Your Responsibilities

  • You will use a consultative approach to determine customer needs, build rapport, and provide solutions based on current products and service offerings.
  • You will build and maintain relationships between members and non-members and insurance carriers, exercising technical knowledge effectively and communicating solutions.
  • You will use your understanding of compliance and insurance standards and Agency Management Systems to limit agency Errors & Omissions (E&O) exposure through proper documentation.
  • You will classify members' and/or non-members' businesses and provide accurate risk management and risk mitigation solutions while using knowledge of B2B sales cycles for success.
  • You will facilitate account reviews, using the carrier renewal cycle, and understanding members' and non-members' risk profiles to provide consultative advice and address and mitigate risks.
  • You will research industry trends and evolving regulatory environments (state and national), improving your understanding of important technical/financial issues.
  • You will use knowledge of Agency Management Systems/Customer Relations Management (CRM) & multiple carrier platforms to operate comfortably at an advanced level to select products and carrier offerings.
  • You will partner and negotiate with underwriters on endorsements, renewal questions, and remarkets for underwriting determination (approval or declination).
  • You will calculate Insurance to Value (ITV) on a wide range of property types and structures including geographic differences and capture custom or unique features within properties and provide appropriate details to determine accurate replacement values.
  • You will provide select account service for members' and non-members', including policy changes, certificates, endorsements, renewals, non-renewals, and remarkets, cancellations, reinstatements, and record updates within agency systems.
  • You will facilitate initial acquisition of business owners, Affluent members, and non-members, by gaining an understanding of members' and non-members' risk profiles and providing a concierge, white-glove, single point of contact service level for complex accounts and unique needs.
  • You may work with underwriters on complex accounts across management lines and Excess and Surplus for renewals, endorsements, and remarketing.
  • You will ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

Your Qualifications

  • You have a High School Diploma or General Equivalency Diploma.
  • You have 2 years of insurance sales and service experience and/or experience working in a commercial insurance, high-value, or broker agency setting.
  • You have a valid Property and Casualty insurance license for home state and/or ability to obtain home state and multistate license within 90 days.
  • You have High Net Worth/Private Client Experience and the ability to handle sensitive information.
  • You possess excellent communication and customer service skills.

Your Competitive Advantage

  • You have 4 or more years of Commercial Lines Insurance account management experience writing new business.
  • You have 4 or more years of working experience quoting and binding directly with insureds.
  • You have experience with Agency Management Systems and/or Salesforce.
  • You have experience working in a multiple carrier environment.
  • You have an active P&C General Lines License for home state.

What We Offer

Compensation: The salary range for this role is $51,840.00 - $92,880.00.

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

Benefits: At USAA, our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental, and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs.



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