Property and Casualty Agent Job Description [Updated for 2025]

In an era where the real estate industry is continuously evolving, the importance of property and casualty agents has never been more significant.

As the industry progresses, so does the demand for skilled professionals who can navigate, develop, and secure our real estate landscape.

But let’s delve deeper: What is truly expected of a property and casualty agent?

Whether you are:

• An aspirant aiming to understand the core of this role,
• A recruiter outlining the perfect candidate,
• Or simply curious about the intricacies of property and casualty insurance,

You’ve landed on the right page.

Today, we present a customizable property and casualty agent job description template, built for effortless posting on job boards or career websites.

Let’s dive right in.

Property and Casualty Agent Duties and Responsibilities

Property and Casualty Agents are responsible for selling insurance policies that protect individuals and businesses from financial loss resulting from accidents, fire, theft, and other events that can damage property.

They must have a comprehensive understanding of the products they sell and the clients they serve.

Their duties and responsibilities include:

• Assess and calculate the risk involved in insuring a client’s property or business
• Explain various insurance policies and help clients choose plans that suit them
• Customize insurance programs to suit individual clients, often covering a variety of risks
• Use underwriting software to determine whether to issue a policy
• Obtain underwriting approval by completing application for coverage
• Complete coverage by delivering policy, planning future follow-up visits, and evaluations of needs
• Provide customers with information on terms and conditions of policies
• Ensure all policy requirements are fulfilled including any necessary medical examinations and the completion of appropriate forms
• Perform administrative tasks, such as maintaining records and handling policy renewals
• Follow up with clients to ensure that their policy needs and any changes in circumstances have been addressed

 

Property and Casualty Agent Job Description Template

Job Brief

We are seeking a dedicated Property and Casualty Agent to join our team.

The ideal candidate will be responsible for selling various types of insurance policies including auto, home, and property to new and existing clients.

The responsibilities of a Property and Casualty Agent include identifying client insurance coverage needs, building a rapport with potential customers and providing them with the best insurance solutions.

Candidates should have outstanding interpersonal skills, a knack for customer service, and a deep understanding of property and casualty insurance products and services.

 

Responsibilities

• Evaluate the needs of potential customers and recommend appropriate insurance policies.
• Generate new business by reaching out to potential clients.
• Maintain relationships with existing clients and generate referrals.
• Prepare reports, maintain records and seek out new market opportunities.
• Stay informed about the latest industry trends, regulations, and products available.
• Explain insurance policies and help clients choose the best options.
• Handle policy renewals and claims processing.

 

Qualifications

• Proven experience as a Property and Casualty Agent or similar role.
• Excellent knowledge of property and casualty insurance plans.
• Strong analytical and problem-solving skills.
• Excellent communication, negotiation and sales skills.
• High level of professionalism and customer service skills.
• Proficiency in MS Office and other relevant software.
• Current valid insurance license.

 

Benefits

• 401(k)
• Health insurance
• Dental insurance
• Retirement plan
• Paid time off
• Professional development opportunities

 

Additional Information

• Job Title: Property and Casualty Agent
• Work Environment: Office setting with options for remote work. Some local travel may be required for client meetings.
• Reporting Structure: Reports to the Sales Manager or Agency Owner.
• Salary: Salary is based upon candidate experience and qualifications, as well as market and business considerations.
• Pay Range: $40,000 minimum to $60,000 maximum (plus commission)
• Location: [City, State] (specify the location or indicate if remote)
• Employment Type: Full-time
• Equal Opportunity Statement: We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.
• Application Instructions: Please submit your resume and a cover letter outlining your qualifications and experience to [email address or application portal].

 

What Does a Property and Casualty Agent Do?

Property and Casualty Agents, also known as insurance agents, usually work for insurance agencies or independently and primarily handle insurance policies that cover physical properties such as homes, cars, and businesses.

Their main responsibility is to help clients choose the right insurance policies for their needs, based on an evaluation of their risk factors and the value of the properties they wish to insure.

This might involve explaining complex insurance terms and conditions, suggesting the right amount of coverage, and advising on how to minimize risks.

Property and Casualty Agents are also responsible for selling policies to clients, which includes setting up payment plans, processing claims, and renewing existing policies.

In addition to these duties, they often maintain records, prepare reports, and seek out new clients to expand their customer base.

Part of their job may also entail negotiating and settling claims, a process that requires excellent interpersonal and communication skills to handle potentially stressful situations.

It’s also common for these agents to update policies and help clients settle insurance claims in the event of a property loss due to accidents or disasters.

They work closely with adjusters and claimants during this process to ensure fair and prompt resolution.

Lastly, they must stay informed about the latest insurance laws and regulations, as well as any changes in policy rates and terms offered by their respective insurance companies.

 

Property and Casualty Agent Qualifications and Skills

A proficient Property and Casualty Agent should possess the skills and qualifications aligned with the job role, such as:

• Excellent interpersonal skills to build and maintain strong relationships with clients and understand their insurance needs.
• Strong sales skills to promote and sell property and casualty insurance policies.
• Knowledge of insurance laws, regulations, and policies, particularly in the areas of property and casualty insurance.
• Communication skills to clearly explain complex insurance policies and terms to clients and answer any questions they may have.
• Problem-solving skills to assist clients in filing claims and navigating through the claims process.
• Attention to detail to accurately complete paperwork, keep client records, and assess insurance risks.
• Customer service skills to respond to client inquiries and complaints, and ensure client satisfaction.
• Ability to work under pressure, as dealing with insurance claims can often be a sensitive and time-critical process.

 

Property and Casualty Agent Experience Requirements

Property and Casualty Agents typically start with a high school diploma and a state-issued license to sell insurance.

Most states require agents to complete pre-licensing coursework and pass a licensing exam.

Entry-level agents often have 1 to 2 years of experience working in customer service or sales roles.

This early experience helps develop their customer handling skills and understanding of sales processes.

Prior insurance experience isn’t always necessary for entry-level roles, but it is beneficial.

Some agents may gain this experience through internships or part-time roles in insurance agencies or companies.

Agents with more than 3 years of experience usually have a proven track record of selling property and casualty insurance policies and managing client relationships effectively.

They have developed their understanding of property and casualty insurance products and the legal and regulatory aspects of selling insurance.

Those with more than 5 years of experience may have leadership experience, managing a team of agents, or overseeing a specific area or product line.

At this level, agents may be ready for a managerial or team-lead position within an insurance agency or company.

They may also have pursued advanced professional certifications to deepen their knowledge and expertise in the insurance industry.

 

Property and Casualty Agent Education and Training Requirements

Becoming a Property and Casualty Agent typically requires a high school diploma or equivalent education.

However, many employers prefer candidates with a bachelor’s degree in business, finance, economics, or a related field.

Before they can start selling insurance, prospective agents must obtain a license in the states where they plan to work.

This typically involves completing pre-licensing courses and passing state examinations.

These courses cover the basics of insurance law, policies, and ethics.

The specifics of the licensing exams and prerequisites for taking them vary by state, but they generally require candidates to be 18 or older and to have completed their pre-licensing education.

Once licensed, Property and Casualty Agents often take part in on-the-job training programs offered by employers, which cover the company’s specific types and policies of insurance.

Continuing education is also important for Property and Casualty Agents as they need to keep up with changes in laws and policies.

Many states require insurance agents to complete a certain number of continuing education courses each year to maintain their license.

Furthermore, certifications such as the Chartered Property Casualty Underwriter (CPCU) designation can enhance an agent’s career prospects and demonstrate a high level of expertise in the field.

While not required, these certifications show a commitment to professional development and can increase credibility with clients.

 

Property and Casualty Agent Salary Expectations

A Property and Casualty Agent earns an average salary of $50,940 (USD) per year.

The actual salary may vary depending on the agent’s years of experience, location, and the company for which they work.

 

Property and Casualty Agent Job Description FAQs

What skills does a Property and Casualty Agent need?

A Property and Casualty Agent should have strong communication and interpersonal skills to explain complex insurance policies to clients and to build and maintain client relationships.

They should possess strong sales skills to sell insurance policies and services.

Analytical skills are essential to understand and assess the insurance needs of different clients.

They also need organizational skills to manage multiple policies and clients simultaneously.

 

Do Property and Casualty Agents need a degree?

While having a degree is not strictly necessary to become a Property and Casualty Agent, most employers prefer candidates with a bachelor’s degree in fields like business or finance.

Regardless of education, all Property and Casualty Agents must obtain a license to sell insurance in their state, which requires passing a state-administered exam.

 

What should you look for in a Property and Casualty Agent resume?

First and foremost, check if they have a valid license to sell insurance in your state.

Look for a solid background in sales, customer service, or a related field.

Some resumes might include additional certifications in insurance, which could be a plus.

If the role requires dealing with specific types of insurance policies, relevant experience in that area would be an important asset.

 

What qualities make a good Property and Casualty Agent?

A good Property and Casualty Agent should be detail-oriented to handle complex paperwork accurately.

They should have strong sales abilities and excellent customer service skills to build and retain a client base.

They should also have the ability to explain complex information in a way that’s easy for clients to understand.

Moreover, they should be trustworthy, as they will be dealing with sensitive personal and financial information.

 

Is it difficult to hire Property and Casualty Agents?

Hiring Property and Casualty Agents can be challenging due to the specific knowledge and licensing requirements needed for this role.

The demand for these professionals is high, especially in areas with a high volume of real estate activity.

To attract top talent, employers may need to offer competitive salary packages, ongoing training opportunities, and a supportive work environment.

 

Conclusion

And there you have it.

Today, we’ve given you a comprehensive look at what it truly means to be a Property and Casualty Agent.

Surprised?

It’s not just about selling insurance policies.

It’s about safeguarding futures, one policy at a time.

With our handy Property and Casualty Agent job description template and real-world examples, you’re well on your way.

But why stop there?

Dig deeper with our job description generator. It’s your go-to tool for creating precise listings or for fine-tuning your resume to perfection.

Remember:

Every policy you sell is a part of someone’s safety net.

Let’s build those secure futures. Together.

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