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Sales Representative

Company

Liberty Mutual

Location

New York

Type

Full Time

Experience

2-4 Years

Job Description:

In this role you will build and develop client relationships within local communities to promote our products including auto, home, and life insurance.

Responsibilities:

In this role you will build and develop client relationships within local communities to promote our products including auto, home, and life insurance.



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Liberty Mutual Jobs Marketing & Sales TITLE: Sales Representative
job description

Liberty Mutual Jobs

Sales Representative

Building a Sales Career with Liberty Mutual

Since 1912, we at Liberty Mutual have committed ourselves to providing broad, useful and competitively-priced insurance pro ducts and services to meet our customers' ever-changing needs. As a Liberty Mutual Personal Markets Sales Representative you will build and develop client relationships within local communities to promote Liberty Mutual products including Auto, Home and Life Insurance. We will support you by providing guidance from experienced Sales professionals, training, and sponsoring licensing exams. You can leverage our relationships with over 10,800 Affinity Groups target customers. As your client base grows, your earning potential does as well through a combination of guaranteed base salary and earned commission.

There’s nothing more satisfying than knowing you’ve made a difference in the life of another. When you work at Liberty Mutual, that’s exactly what you’ll do. For more than 95 years, our purpose has been to help people live safer, more secure lives…and you can help us make that happen with your drive, commitment, and passion. For all your hard work, you’ll be rewarded with unlimited opportunities to grow professionally and a culture that pays for performance and promotes from within. Liberty Mutual Group is a Fortune 100 company comprised of four strategic business units with corporate operations headquarters in Boston, Massachusetts. Our Personal Markets unit sells full lines of coverage for automobiles, homeowners, valuable possessions and personal liability, as well as a wide range of traditional and variable life insurance products.

How to Sell Homeowner’s Insurance

All insurance sales agents must be licensed in the state where they are located. Insurance sales agents work to find the best policy to meet the client's needs and the mortgage company's coverage requirements. According to the Bureau of Labor Statistics (BLS) the annual earnings for an insurance sales agent averaged around $45,430 in May 2008.

First, obtain your property and casualty insurance license from the state in which you plan to sell homeowner’s insurance. Do this by studying preparatory material provided, taking any required courses, and passing whatever licensing exams are required by local and state laws.

You’ll want to seek employment either with an insurance agency or broker, or as an independent contractor for the insurance company itself. Learn the types of homeowner's insurance policies offered by the company you represent. If you work for a brokerage that sells insurance for several companies, you must learn about the policies offered by each of them.

Explain to your potential clients the types of coverage available and the benefits of each policy. Cross-selling homeowner's insurance with auto insurance is recommended, since most insurance companies offer multi-policy discounts for the insured. This gives you the opportunity to approach a homeowner to sell auto insurance, and vice-versa. ?

Finally, provide the client with a quote showing the coverage and what it will cost. Obtain the square footage of the home, the year it was built, the number of bedrooms and baths, type of roof and exterior, and any other information required for a homeowner's policy. Be professional, treat clients as you would like to be treated, and educate them about various policies to help the client view you as an agent worthy of his business.

What is Homeowner’s Insurance?

Homeowner's insurance protects your home, belongings, family, and valuables in the event of unexpected misfortunes like vandalism, theft, accidents, or natural disasters. It is designed to replace or rebuild your property when it gets damaged, from reroofing a garage after a hurricane to purchasing a laptop stolen from your home office. Homeowner's insurance doesn't just cover your home, but usually extends to shield you from accidents your pets, family, or property cause, such as a dog digging up a neighbor's new magnolia or a child breaking a window with a baseball.

The aspect of homeowner's insurance we are most familiar with is the part of the policy that covers peril when it inflicts damage on the contents of your home and the house itself. Of course, every policy is different, so it is best to consult with a variety of companies or advisors, and be clear about what your policy does and doesn't cover. Certain policies may not reimburse you for the value of property in the event of fire, flood, mudslide, hail, earthquake, hurricane, tornado, and other natural disasters.

Your reimbursement may also be limited, depending on the constraints of your insurance. Homeowner's insurance is designed to assure you that you will not panic when things like jewelry, cameras, collectibles, heirloom silver, computers, clothing, stored vehicles like boats, or legal documents are lost or irreparably harmed. Again, be sure that your policy's monetary limits match what all of your valuables are actually worth. There are always ways of increasing the coverage amount when you plan ahead.

After a natural disaster, your homeowner's insurance can help you rebuild your home exactly as it was. This would include basics like plumbing, framing, roofing, electrical, flooring, and appliances. But it also includes furniture, paint, lawns and trees, sheds, or fences. Some policies might reimburse you for the depreciated cash value of such items in older homes, while most will provide the replacement expenses. While your home is getting fixed, you'll be able to add the cost of temporarily relocating to a hotel or apartment.

Another important item of coverage offered by homeowner's insurance is liability. Liability means that your provider will help you with damages, court costs, and other expenses arising from accidents caused by a member of your family or pet, or occurring on your property. Therefore, if the mail carrier trips on your stairs and wants to collect medical damages for a broken ankle, you'll be covered. Also, if your child accidentally rides her bicycle into a neighbor's gate, you can afford to fix it.

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