What are the responsibilities and job description for the Insurance Producer (Commercial & Personal Lines, 2-20 Licensed) position at Smith & Thomas Insurance?
Date posted: July 6, 2026
Pay: $45,000.00 - $75,000.00 per year
Job description:
Location: Lakeland, FL
Job Type: Full-Time
Compensation: $45,000 Base Salary uncapped commission
About Us
Smith & Thomas Insurance has been serving Central Florida since 1960. As an independent insurance agency, we represent multiple insurance carriers and specialize in helping individuals, families, churches, nonprofits, and businesses find the right coverage for their needs.
We're looking for a motivated Commercial Insurance Producer who enjoys building relationships, meeting business owners, and growing a book of business. While your primary focus will be commercial insurance, you'll also have opportunities to write personal lines and cross-sell existing clients when appropriate.
Whether you're an experienced producer or a newer licensed agent ready to grow your career, we'd love to talk with you.
What You'll Do
- Develop new commercial insurance opportunities through networking, referrals, prospecting, and community involvement.
- Build relationships with business owners throughout Central Florida.
- Quote and write commercial insurance policies through multiple insurance carriers.
- Work closely with underwriters to place a variety of commercial risks.
- Conduct coverage reviews and identify opportunities to better protect clients.
- Cross-sell personal insurance when appropriate.
- Maintain accurate client records within our agency management system.
- Represent Smith & Thomas Insurance professionally in the community.
This position includes both inside and outside sales. You'll spend time meeting with business owners, networking in the community, visiting prospects, and working from our Lakeland office.
Our Typical Clients
You'll primarily work with businesses such as:
- Churches and religious organizations
- Private Schools
- Professional offices (law firms, veterinary practices, dental and medical offices)
- Contractors
- Retail businesses
- Offices and service businesses
- Nonprofit organizations
- Other Main Street commercial accounts
Qualifications
Required
- Active Florida 2-20 Property & Casualty License
- Valid driver's license
- Strong communication and relationship-building skills
- Self-motivated with the ability to work independently
- Professional appearance and attitude
Preferred
- Commercial insurance experience
- Independent agency experience
- Existing relationships within the Central Florida business community
- Experience with agency management systems
Compensation & Benefits
- $45,000 starting base salary
- Uncapped commission
- Paid time off
- Paid holidays
- Continuing education and license reimbursement
- Opportunities for professional growth and advancement
This is a production-driven role with the expectation that commission will become the primary driver of compensation as your book of business grows.
Why Join Smith & Thomas?
Smith & Thomas Insurance has proudly served Central Florida since 1960 and was recently recognized as one of the Top 5 Insurance Agencies in Central Florida. We're looking for someone who wants to grow with us for the long term.
Here, you'll have the opportunity to build lasting relationships, grow your own book of business, and become an important part of a team that has served Central Florida for more than 65 years.
If you're looking for a long-term career with a respected independent agency that values integrity, relationships, and professional growth, we'd love to hear from you.
Benefits:
- Health insurance
- Paid time off
Experience:
- Insurance sales: 1 year (Preferred)
License/Certification:
- Property & Casualty License (2-20 or equivalent) (Required)
Salary : $45,000 - $75,000