HOA Insurance Sales Agent

HOA Insurance Sales Agent (JN - Marlborough, Massachusetts

Salary: USD
80000 - USD
95000 per year

Insurance Sales Agent (HOA & Condominium Focus)

Salary: $85,000+

Employment Type:

Hybrid

Exempt Status:
Salary Exempt

MUST HAVE ACTIVE P&C LICENSE*

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.

• 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

• 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

• 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

• 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

• 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

• 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

• Base Salary $85,000+ based on experience and qualifications
• Commission Structure 30% commission on new business premium written
• 10% renewal commission, supporting long‑term client relationships and book quality