Personal & Small Business Insurance Advisor

Personal & Small Business Insurance Advisor About this position

Personal & Small Business (PSB) Insurance Advisor

Department: Property & Casualty
Role Type: Internal-lead advisory, sales, service, and small-account book management
Primary Focus: Personal lines and lower-complexity small business insurance

Fredriksen Insurance is a local, family-owned Idaho agency that has helped individuals, families, and employers navigate insurance and employee benefits since 1980. We are known for practical guidance, responsive service, and long-term relationships.

As our agency expands its Property & Casualty capabilities in 2026, this role helps clients access the same trusted, client-centered experience across personal and small business insurance.

Help First: Lead with education, advice, and genuine assistance. Meet people where they are and leave every client and colleague feeling supported, valued, and better off.

Humbly Confident: Bring strong expertise without ego. Stay approachable, listen well, and continually sharpen knowledge through industry trends and best practices.

Work Happy, Serve Happy: Bring energy, enthusiasm, and positivity to the work. Build meaningful connections and create a service experience people remember.

We Do What We Say: Make thoughtful commitments and follow through. Build trust through reliable communication, accurate work, and consistent action.

The Person al & Small Business (PSB) Insurance Advisor advises, places, services, and grows personal insurance and lower-complexity small business accounts generated through internal referrals, existing agency clients, cross-sell opportunities, and inbound leads.

This role is the Property & Casualty counterpart to the agency's Small Group, Individual, and Medicare service model. It is primarily a consultative, internal-lead role rather than a cold-calling position. Success depends on clear communication, responsiveness, sound coverage guidance, consistent follow-through, and living the agency's core values in every interaction.

The PSB Advisor owns assigned relationships from initial consultation through placement, service, and renewal. As the book grows, dedicated account management support may be added so the Advisor can focus more heavily on relationship management, new business conversion, and retention.

This role generally focuses on smaller businesses depending on risk complexity.

• Appropriate accounts may include main street businesses, BOP-eligible risks, simple general liability accounts, lower-complexity commercial auto, small workers' compensation policies, home-based businesses, and small professional service firms.
• Higher-hazard, multi-state, contract-heavy, large-schedule, complex workers' compensation, or other complex commercial accounts should be reviewed with the commercial lines team and transitioned when appropriate.
• The PSB Advisor may write small business and workers' compensation policies directly with support, review, and oversight from P&C Leadership.

• Respond promptly to assigned referrals, cross-sell opportunities, inbound leads, and existing client needs.
• Conduct discovery conversations to understand exposures, coverage gaps, risk tolerance, and budget considerations.
• Develop, explain, and present appropriate coverage options and proposals in clear, client-friendly language.
• Maintain an organized pipeline and consistent follow-up through placement, transition, or close.
• Meet or exceed production and conversion goals established by agency leadership.

• Quote and place personal insurance, including homeowners, automobile, umbrella, recreational vehicles, rental properties, and related solutions.
• Quote and place lower-complexity small business insurance, including BOP, general liability, commercial property, commercial auto, workers' compensation, professional liability, cyber liability, and commercial umbrella when appropriate.
• Collaborate with carrier partners and internal commercial resources to develop competitive solutions and identify risks requiring additional…