Commercial Insurance Agent

Job Summary

RAMCO Insurance is seeking an experienced, motivated, and results driven Commercial Insurance Agent to join our growing team.

We are looking for an insurance professional with proven experience in commercial lines who understands business insurance coverage, carrier underwriting requirements, and the full commercial insurance sales process.

The ideal candidate will have a strong background in quoting, presenting, and binding commercial insurance policies, with the ability to evaluate business exposures, identify appropriate coverage solutions, and build lasting client relationships.

As an independent insurance agency, RAMCO provides access to multiple insurance markets, allowing our agents to offer competitive coverage options tailored to the needs of business owners across various industries.

Prior commercial insurance experience is required. This is not an entry level position.

Responsibilities

• Generate, develop, and manage commercial insurance opportunities through incoming leads, prospecting, referrals, and existing client relationships.
• Quote, present, negotiate, and bind commercial insurance policies for businesses across a variety of industries.
• Evaluate commercial risks, identify coverage gaps, and recommend insurance solutions based on each client's operations and exposures.
• Work with commercial insurance products including General Liability, Business Owners Policies, Commercial Property, Workers Compensation, Commercial Auto, Commercial Umbrella, and other specialty coverages.
• Prepare and review commercial insurance applications, ACORD forms, supplemental applications, loss runs, and underwriting documentation.
• Communicate directly with insurance carriers, wholesalers, MGAs, and underwriters to obtain competitive quotes and negotiate coverage terms.
• Understand carrier appetites, eligibility guidelines, underwriting requirements, and policy restrictions.
• Present coverage comparisons, explain policy terms, and assist clients in making informed insurance decisions.
• Follow up consistently with prospective clients to maximize quote conversions and policy sales.
• Identify cross selling and additional coverage opportunities within existing commercial accounts.
• Maintain accurate prospect information, policy details, communications, and sales activities within the agency's CRM and management systems.
• Collaborate with the agency's service and management teams to ensure proper documentation, policy issuance, and client satisfaction.
• Maintain strong relationships with commercial clients to support policy retention, renewals, and account growth.
• Meet established production goals while maintaining high standards of professionalism, accuracy, and regulatory compliance.

Experience

• Previous professional experience selling and servicing commercial insurance policies is required.
• Active Florida 2-20 General Lines Insurance License required.
• Minimum of 2 years of commercial insurance experience preferred.
• Proven ability to independently quote, present, and bind commercial insurance policies.
• Strong understanding of commercial insurance coverages, underwriting guidelines, exclusions, endorsements, and policy structures.
• Experience working with commercial insurance carriers, wholesalers, MGAs, and underwriting teams.
• Proficiency in completing ACORD applications and gathering necessary commercial underwriting documentation.
• Experience with General Liability, Business Owners Policies, Commercial Property, Workers Compensation, and Commercial Auto.
• Familiarity with commercial rating platforms, agency management systems, and CRM software.
• Strong sales, negotiation, communication, and relationship management skills.
• Ability to manage multiple submissions, follow ups, and client accounts efficiently.
• Excellent attention to detail and the ability to accurately evaluate commercial insurance risks.
• Self motivated, organized, and comfortable working in a production focused environment.
• Experience with trucking, contractors, transportation, hospitality, retail, or other specialized commercial risks is a plus.
• Existing commercial insurance carrier relationships are a plus.
• Bilingual proficiency in English and Spanish is preferred.

Applicants must have actual commercial insurance experience. Experience exclusively in personal auto, homeowners, or other personal insurance lines does not satisfy this requirement.

Join Our Team

At RAMCO Insurance, we are committed to providing businesses with competitive insurance solutions, exceptional service, and access to a wide range of coverage options.

We are looking for an experienced commercial insurance professional who understands the industry, takes initiative, and is ready to contribute to the continued growth of our commercial lines division.

If you have a strong background in commercial insurance, enjoy building business relationships, and are confident in your ability to quote and close commercial accounts, we encourage you to apply.

RAMCO Insurance
More Options. Better Value. Always RAMCO.

Pay: $50,000.00 - $100,000.00 per year

Work Location: In person

Salary : $50,000 - $100,000