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Commercial Lines Insurance Broker information

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$31K

$58.2K

$86.5K

How much do commercial lines insurance broker jobs pay per year?

As of May 28, 2026, the average yearly pay for commercial lines insurance broker in the United States is $58,198.00, according to ZipRecruiter salary data. Most workers in this role earn between $48,000.00 and $66,500.00 per year, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Commercial Lines Insurance Broker, and why are they important?

To thrive as a Commercial Lines Insurance Broker, you need strong knowledge of insurance products, risk assessment, and client relationship management, typically supported by a relevant license such as a Property & Casualty Insurance License. Proficiency with agency management systems (e.g., Applied Epic), quoting platforms, and policy management tools is commonly required. Outstanding negotiation, communication, and problem-solving skills help brokers excel in understanding client needs and building trust. These competencies are crucial for effectively advising clients, securing the right coverage, and maintaining long-term business relationships in a competitive market.

What are some common challenges faced by Commercial Lines Insurance Brokers, and how can they be addressed?

Commercial Lines Insurance Brokers often encounter challenges such as managing complex client portfolios, keeping up with frequent changes in insurance regulations, and negotiating competitive terms with carriers. To address these, brokers benefit from strong organizational skills, ongoing professional development, and building solid relationships with both clients and underwriters. Leveraging technology for account management and staying informed through industry networks can also help brokers navigate these challenges effectively.

What does a Commercial Lines Insurance Broker do?

A Commercial Lines Insurance Broker helps businesses find and secure appropriate insurance policies tailored to their specific risks and needs. They act as intermediaries between clients and insurance companies, assessing business risks, recommending coverage options, and negotiating policy terms and premiums. Their goal is to ensure that businesses are adequately protected against financial losses from incidents like property damage, liability claims, or business interruptions. Brokers also assist clients with policy renewals, claims processes, and risk management strategies.

How much do top commercial insurance brokers make?

Top commercial lines insurance brokers can earn between $100,000 and $200,000 annually, with experienced professionals and those working in high-value markets often earning higher commissions and bonuses. Income varies based on sales performance, client portfolio, and certifications such as CPCU or CIC.

What is the difference between Commercial Lines Insurance Broker vs Property & Casualty Insurance Agent?

AspectCommercial Lines Insurance BrokerProperty & Casualty Insurance Agent
CredentialsLicenses in insurance sales, often requires state-specific licensesSame licenses as brokers, including state insurance licenses
Work EnvironmentWorks independently or with agencies, focuses on commercial clientsTypically employed by insurance agencies, handles both personal and commercial policies
Industry UsageCommonly used in commercial insurance marketsUsed broadly in personal and commercial insurance sectors
Search & Comparison IntentPeople compare to understand commercial insurance optionsPeople compare to find personal or commercial coverage options

Both roles require similar licensing and work within the insurance industry, but Commercial Lines Insurance Brokers primarily focus on commercial clients and complex policies, often working independently. Property & Casualty Insurance Agents may handle a broader range of policies, including personal insurance, and are often employed by agencies. Understanding these differences helps clients choose the right professional for their insurance needs.

More about Commercial Lines Insurance Broker jobs
What cities are hiring for Commercial Lines Insurance Broker jobs? Cities with the most Commercial Lines Insurance Broker job openings:
What states have the most Commercial Lines Insurance Broker jobs? States with the most job openings for Commercial Lines Insurance Broker jobs include:
Commercial Lines Insurance Broker

Commercial Lines Insurance Broker

Pepper, Johnstone & Company

Athens, AL โ€ข On-site

Full-time

Retirement, PTO

Posted 28 days ago


Job description

Benefits:
  • 401(k) matching
  • Bonus based on performance
  • Opportunity for advancement
  • Paid time off
  • Profit sharing
  • Training & development

ROLES & RESPONSIBILITIES

Position: Commercial Lines Producer/Broker

Company Overview:

Pepper, Johnstone & Company, Inc. (PJC) is an award-winning independent P&C insurance and financial services brokerage located in Athens, Alabama. PJC was established in 1971 as an independent brokerage and is committed to the independent distribution channel. Although domiciled in Alabama, PJC also serves client throughout the southeastern and western United States. PJC continues to be one of the most successful and well respected firms in North Alabama and is strategically positioned for greater organizational growth. Insurance and risk management is a noble and rewarding profession, as producers/brokers play a critical role in protecting the assets of businesses and families alike. This is an exciting time in our firms history and if you are a self-motivated, results-driven individual that enjoys setting and achieving individual, team and organizational goals, this may be the place for you.

Position Details:

  1. Job Duration: Fulltime
  2. Compensation: Salary plus bonus/commission. Salary commensurate with experience. Position will eventually be 100% commission based.
  3. Relocation Assistance: Not available
  4. Insurance Discipline: Property & Casualty and Life & Health

Overall Purpose:

The primary responsibilities of this position are the continuous solicitation and sale of new business and the development of additional revenue from existing clients. The individual who fills this position is the Commercial Lines link between the Company, clients/prospects and the multiple insurance carriers represented by the Company. A consistently professional, sales oriented mindset along with a positive, can-do demeanor are paramount.

Standards of Performance:

  1. Actively supports and incorporates company mission and core values into daily activities.
  2. Achieve sales, account development and client retention targets as set out in annual and semi annual plans.
  3. Consistently demonstrates professionalism and exceptional client-centric sales skills both internally and externally.
  4. Maintains a positive and respectful demeanor.
  5. Works as a team member to achieve department goals and overall Company objectives.
  6. Reports to work on time prepared to perform duties of position at a consistently high level.
  7. Maintains confidentiality of all information related to clients, employees, carriers, alliance partners and the Company.
  8. Demonstrates a willingness to do whatever is required for betterment of the organization.

Essential Duties:

  1. Develop and implement an annual sales plan, which strategically identifies and qualifies new business prospects and clients to be solicited.
  2. Spend the majority of time in front of prospects and clients selling new business products and services that are appropriate.
  3. Identify and develop a thorough understanding of prospect and client operations and exposures necessary to identify their specific insurance and risk management service needs.
  4. Ensure the identification of all expertise required to address prospect/client exposures to loss and arrange for proper representation during prospect solicitation and client service meetings.
  5. Ensure the design of insurance and risk management service programs to meet the needs of prospects and clients to earn their trust and become a trusted advisor.
  6. Prepare and ensure the professional quality of insurance underwriting submissions, prospect and client proposals and presentations, sales reports, professional communications (i.e., letters, memos, emails, etc.)
  7. Ensure timely annual review of existing client insurance and risk management service programs to ensure that any need for change or improvement is promptly recognized and met.
  8. Establish the payment arrangement for each client and collect premiums in accordance with the Companys collection policy.
  9. Provide continuous professional advice, guidance, and suggestions for improving the risk management programs of Company clients and prospects.
  10. Participate in the overall Company effort to develop and maintain strong carrier relationships through positive professional contacts with carrier representatives.
  11. Assist in the securing and negotiation of quotations and the placement of coverage with appropriate insurance carriers.
  12. Achieve annual sales goals and provide regular feedback to manager on progress toward those goals.
  13. Maintain and foster existing client relationships as well as cultivate new relationships and sales opportunities with prospective clients.
  14. Achieve educational and professional development goals established by Company management.
  15. Work on special projects that may be assigned by management as necessary.
  16. Consistently maintain a professional demeanor and actively support and promote a positive public image for the Company.
  17. Ensure compliance with all Company client service standards by all involved colleagues.
  18. Travel out of town as needed.

Office Equipment / Software Used:

  1. Microsoft Windows desktop computer must be proficient in MS Word, Excel, Power Point, Outlook, and other MS Office applications.
  2. Inter-office network; Internet access; e-mail internally, with carriers, and with prospects/clients/others.
  3. Agency Management System (Applied Epic) and related programs.
  4. Comparative rating software.
  5. MVR, insurance score, Clue report software/website.
  6. Telephone, fax, copier, printer, document scanner.

Qualifications:

  1. B.A./B.S. degree from an accredited 4-year college or university (preferred).
  2. Minimum of 5 years commercial lines experience in insurance industry (preferred); experience in independent P&C insurance brokerage preferred.
  3. Must have an active P&C insurance license (required).
  4. Candidates with CIC, CPCU, CRM, CFP or similar designations are preferred.
  5. Knowledge of insurance industry and specific working knowledge of commercial lines insurance (required).
  6. Ability to maintain and foster existing client relationships as well as cultivate new relationships with client prospects is critical to success.
  7. Ability to prioritize multiple tasks in a fast-paced sales environment is crucial.
  8. Must be detail oriented, thorough, organized and efficient in executing tasks.
  9. Excellent communicative skills, both orally and in writing are essential.
  10. Takes the initiative to solve internal and external client problems.
  11. Must possess a positive, motivated attitude; results driven personality.
  12. Anticipates and prioritizes responsibilities to meet critical deadlines.
  13. Adapts quickly to change in systems, policies and procedures.
  14. Continues to find ways to improve and streamline business processes and workflows.
  15. Strong Word, Excel and PowerPoint skills.
  16. Consistently looks for new challenges and opportunities to add value to both clients and organization.

Submissions:

Qualified candidates are requested to send both a cover letter and current resume to careers@pjcoinsurance.com. Submissions will be reviewed and a member of our staff will contact qualified candidates for an initial phone interview. PHONE INQUIRIES ARE NOT ACCEPTED.