HOA Insurance Sales Agent

Insurance Sales Agent (HOA & Condominium Focus)
Employment Type: Full-Time
Location: Marlborough, MA
Exempt Status: Salary (see below: based on experience)

Job Summary
We are seeking a driven and consultative Insurance Sales Agent to specialize in Homeowners Association (HOA) and Condominium insurance programs. This is not a high-volume transactional sales role-it is an advisory position focused on educating clients and designing insurance programs that protect shared property, governance structures, and financial stability.
In this role, you will work closely with HOA boards, trustees, property managers, and unit owners to evaluate risk, identify coverage gaps, and place tailored insurance programs. Success in this position requires strong consultative sales skills, technical insurance knowledge, and the ability to clearly explain complex concepts.
This is a niche insurance role focused on HOA master policies and HO-6 condominium coverage, requiring a higher level of client education and policy coordination than traditional personal lines sales.

Key Responsibilities
Sales & Business Development

Generate new business through outbound prospecting, referrals, and strategic partnerships
Build and manage a pipeline of HOA and condominium association opportunities
Conduct sales consultations with HOA boards and key decision-makers
Present insurance program options, including coverage types, limits, deductibles, and tradeoffs

Client Advisory & Relationship Management

Educate clients on HOA master policies, including property, general liability, D&O, and excess coverage
Advise unit owners on HO-6 policies and coverage coordination with master policies
Identify gaps in existing insurance programs (e.g., deductibles, valuation, ordinance or law exposure)
Build long-term relationships with HOA boards, trustees, and property managers

Insurance Placement & Strategy

Collect underwriting data, loss history, and relevant governing documents
Collaborate with carriers and internal teams to market and negotiate accounts
Deliver structured insurance proposals aligned with client needs and governing documents
Support renewals and ongoing policy servicing

Internal Collaboration & Operations

Partner with account managers and leadership to ensure smooth client onboarding and renewals
Maintain accurate CRM records and manage sales pipeline reporting
Contribute ideas to improve sales processes and overall client experience

Required Qualifications

Active Property & Casualty (P&C) insurance license
1 years of insurance sales experience (commercial or personal lines)
Strong consultative sales and communication skills
Ability to explain complex insurance concepts in clear, plain language
Self-motivated with strong organization and pipeline management skills

Preferred Qualifications

Experience with HOA, condominium, or community association insurance
Background working with property managers, real estate professionals, or commercial clients
Working knowledge of:

HOA master insurance policies
Directors & Officers (D&O) coverage
Loss assessment and deductible structures

Experience working in an independent brokerage environment

Compensation & Benefits
Base Salary
based on experience and qualifications
Salary Tiers:

Entry-Level (0-2 years): $45,000 - $50,000
Early-Career (2-5 years): $50,000 - $58,000
Experienced (5 years): $58,000 - $65,000

Commission Structure

10% commission on new business premium written
3%-5% renewal commission, supporting long-term client relationships and book quality

If you're interested in this opening please send resumes to Steve Scavone:

All qualified applicants will receive consideration for employment without regard to race, color, national origin, age, ancestry, religion, sex, sexual orientation, gender identity, gender expression, marital status, disability, medical condition, genetic information, pregnancy, or military or veteran status. We consider all qualified applicants, including those with criminal histories, in a manner consistent with state and local laws, including the California Fair Chance Act, City of Los Angeles' Fair Chance Initiative for Hiring Ordinance, and Los Angeles County Fair Chance Ordinance.