POSITION SUMMARY 

The Agency Producer is responsible for driving new personal lines business for The Pennington Group Insurance Agency. You will work agency-provided leads, self-generated referrals, and community relationships to identify prospects, complete needs-based coverage reviews, and convert quotes into long-term multi-policy households. 

This is a full-cycle sales role. You own the relationship from first contact through quoting, closing, onboarding, and account rounding — and you are measured on the growth and quality of the book you build. 

KEY RESPONSIBILITIES 

New Business Development 

• Respond to agency-provided leads, inbound calls, and web inquiries promptly, with a target first-contact response time of under 10 minutes during business hours. 
• Prospect consistently through outbound calls, text, email, and follow-up on aged and unsold quotes. 
• Build and maintain referral relationships with realtors, mortgage lenders, auto dealers, and local business owners. 
• Represent the agency at community events, chamber functions, and networking groups to generate local visibility and referral flow. 
• Maintain an accurate, current pipeline in the agency management system with disciplined follow-up cadences. 

Quoting & Coverage Design 

• Conduct needs-based discovery to understand each household's assets, exposures, drivers, property details, and risk tolerance. 
• Quote across the full range of Farmers products and platforms to identify the best combination of coverage and price for each household. 
• Present options that lead with protection — recommending appropriate liability limits, deductibles, umbrella coverage, and endorsements rather than defaulting to the lowest premium. 
• Clearly document coverage recommendations, along with any coverage the client declines, to protect both the client and the agency. 

Closing & Onboarding 

• Bind coverage accurately, collect required documentation, signatures, and down payments, and set up recurring billing. 
• Complete a welcome call or onboarding review with every new client to confirm coverage, explain billing, and set service expectations. 
• Ensure a clean handoff to the service team with complete and accurate file documentation. 

Account Rounding & Retention 

• Convert monoline policies into multiline households by cross-selling home, auto, umbrella, and life coverage. 
• Partner with the Life Insurance Specialist and Commercial Producer to refer qualified opportunities. 
• Ask for referrals at every positive client touchpoint, including at bind and at first renewal. 
• Support retention efforts by re-engaging at-risk clients identified through renewal and cancellation reports. 

Compliance & Documentation 

• Maintain complete, timely, and accurate records in the agency management system for every quote, contact, and transaction. 
• Follow all Farmers underwriting guidelines, binding authority limits, and agency procedures. 
• Comply with Texas Department of Insurance regulations and maintain licensing and continuing education in good standing. 
• Follow errors-and-omissions best practices in all client communication and documentation. 

PERFORMANCE EXPECTATIONS 

Performance in this role is reviewed monthly against the following measures. Specific targets are set by agency leadership and may be adjusted as the agency grows. 

• New business items and written premium per month: [target] 
• Quote-to-bind conversion rate: [target]% 
• Average items per household on new business: [target] 
• Lead response time and contact attempts per lead within the first 48 hours 
• Daily and weekly activity minimums (quotes issued, outbound contacts, appointments set) 
• Cross-sell referrals generated to Life and Commercial 
• Book quality: retention and loss ratio on business written