Hill Country Coverage

Hill Country Coverage is hiring experienced insurance producers to join our growing independent agency. We represent 20+ carriers including Progressive, Geico, Liberty Mutual, Wellington, Homeowners of America, Three by Berkshire, and many more, which means you can shop the market for your clients instead of being locked into one carrier. If you're tired of captive limits, dead-end commission structures, or working for an agency that doesn't invest in your success, we should talk.

Headquarters is out of Austin but we all work from different parts of Texas (Houston, San Antonio, Dallas, Austin).

Why This Role Is Different

Most agencies hand you a phone and tell you to "go sell." We don't. All agents get:

• Fully remote work from anywhere in Texas no commute, no office politics, no dress code. Work from your home office, set up your space the way you want, and keep more of your day for selling and living

• We pay for your leads: agency-funded lead flow from multiple sources, not bought out of your commission

• An in-house lead generation team of unlicensed reps making outbound calls to warm up prospects, so you spend your time quoting and closing instead of cold calling

• Thousands of warm prospectswho have already expressed interest in insurance quotes (~10,000+ fresh leads in CRM)

• Facebook advertising leadsdelivered to you

• Open access to our experienced leadership team whenever you want coaching, deal advice, or a second set of eyes on a tough quote. Our General Manager has spent his entire career in insurance and is happy to roll up his sleeves with you, but if you prefer to work independently and own your process, that's your call

• A documented 30/60/90 day ramp plan so you always know what success looks like

• Multi-carrier access to all lines, P&C, commercial and life, so you can write the lucrative business captive agents can't

What You'll Do

• Quote and bind personal lines (auto, home, renters) and small commercial policies
• Receive warm transfers and quote opportunities sourced by our in-house lead team
• Work agency-funded lead flow delivered directly to you
• Cross-sell life insurance, home, and umbrella to build complete client households
• Build a renewal book that compounds into passive income year over year
• Develop your own referral network to supplement agency-provided leads
• Hit ramp milestones and grow into a top producer at a fast-growing Texas agency

Compensation

• 7% commission on new P&C written premium
• 50% of agency commission on life insurance
• 2% renewal commission on P&C beginning as policies renew with opportunities for renewal commission increases based on tenure and performance
• Commission paid on the 15th of every month
• Quarterly and annual performance bonuses available based on production milestones, retention, and book quality
• Realistic year-one earnings: $40,000-$60,000+
• Top producers and those committed to commercial development earn $100,000+ by year two
• No initial base salary commission only

Producer-Friendly Chargeback Policy

• P&C policies: chargeback only applies if a policy cancels within the first 3 months. After 3 months, you keep your commission regardless of subsequent cancellation
• Life insurance: pro-rated chargeback matching the carrier's chargeback window
• Commercial: pro-rated chargeback based on unearned premium returned

What We're Looking For

Required:

• Active Texas P&C General Lines License (no exceptions)
• Minimum 1-2 years of P&C insurance experience (captive or independent)
• Proficient quoting personal lines (auto and home)
• Self-motivated, coachable, and goal-oriented
• Comfortable handling warm transfers and following structured sales processes
• Financial ability to ramp on a commission-only structure
• Reliable home internet, quiet workspace, and the discipline to manage your day independently

Preferred:

• Licensed Agent (or willingness to obtain)
• Experience with multiple carriers
• Bilingual English/Spanish not necessary but a plus
• Commercial lines experience a plus

The Ramp

We've documented exactly what success looks like in your first 90 days, so there's no guessing:

• Month 1: Onboarding, systems training, begin writing in the back half of the month ($5K-$10K premium target)
• Month 2: Independent production ($10K-$15K premium target)
• Month 3: Scaling production ($15K-$25K premium target)
• Month 6: Sustained $15K+/month minimum, working toward $25K+

You'll have weekly pipeline reviews with the General Manager, monthly 1-on-1s, and our leadership team is available for coaching whenever you want it. How much you tap into that support is up to you.

Flexibility is key: no set hours except we have one morning meeting each day at 9:30 AM as a check-in (typically fast, less than 5 minutes unless company news or bigger things are announced)

Why Join Hill Country Coverage?

We're continuing to grow a major Texas Independent Agency from the ground up. The producers who join now and grow with us will have opportunities that won't exist in three years when we're established. If you want a real career path, multi-carrier access, real coaching available on your terms, an in-house team feeding you opportunities, agency-funded lead flow, the freedom of fully remote work, and a book of business that pays you for years, this is the place.

Pay: $40,000.00 - $80,000.00 per year

Benefits:

• Flexible schedule
• Work from home
• Opportunities for Growth
• People First Ethos

Experience:

• Insurance sales: 1 year (Preferred)

License/Certification:

• Texas P&C General Lines License (Preferred)

Work Location: Remote