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Insurance Agents? Your input is needed.

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  • Insurance Agents? Your input is needed.

    Looking for a new job, as I hate what I'm doing now! (office work- medical billing)

    I have tons of horsey experience and I was wondering if anyone out there sells horse insurance as a job/career?

    IS there a career in it?

    What do you have to do to get into it?

    Is the money any good? (expected salary range?)

    HOW would I go about getting into it further. It sounds like something I'd like to do. Is it similar to selling real estate or ?

    If you're an insurance agent - especially for horses and/or farms - I'd really appreciate your input.

  • #2
    I am not an agent, but an underwriter for a company that provides farm insurance. None of the agents I know sell farm insurance exclusively, they also have contracts to sell personal and commercial insurance. Insurance in general is a pretty good career, however, like a lot of industries is suffering from the economy. When it is good, the money off of commissions is excellent, depending on the carrier can range from 10-20% of the premium on a particular policy.

    Horse insurance is a pretty specialized market with, I imagine, a pretty limited number of players. If I were you, I would find out who some of your local barns/showgrounds/trainers have their insurance with, and who their agents are. Once you have that information, try to get times to speak to those agents and see if they have any customer service rep positions available to help you get a feel for the industry.


    • #3
      Originally posted by Rayman421 View Post
      Looking for a new job, as I hate what I'm doing now! (office work- medical billing)

      I have tons of horsey experience and I was wondering if anyone out there sells horse insurance as a job/career?

      I service and sell insurance, including equine and farm, have been for about 20 years now. Insurance in general can certainly be a career but specializing in equine/farm insurance may be a tough row to hoe as there are a few agencies that "specialize" in this type of coverage (check any of the "Who do you use for insurance" threads and the same 5-6 agencies willl show up time after time). Tough to compete with the specialists but most agencies have access to carriers that will quote/provide coverage for horses and farms but it is not the bulk of thier focus.

      IS there a career in it?

      Again, in insurance, certainly

      What do you have to do to get into it?

      You are going to have to find an agency that is willing to take you on as either a CSR (as previously posted) or a Salesperson in training. You will also have to get a property and casualty license in your state (and any state's you plan on writing in). As to just going out and selling the coverage, that's probably not going to happen as you will need to find an insurance carrier that is willing to allow you to sell thier product and being you have no prior insurance experience chances of this are pretty null.

      Is the money any good? (expected salary range?)

      Starting out don't expect to be able to buy the farm with your pay, entry level CSR is probably going to be anywhere from $8 an hour to $15 an hour depending on your area and as for sales that will be even lower as most sales positions are based on commission. Contrary to the public belief the agency gets very little commission from your policy, generally between 10 and 20 % and the agent gets from 25-50% of that. That means if you pay $1,000 in premium, the agency gets 100-200 dollars and the agent gets $25-100. Takes al lot of policies to get that six figure income.

      HOW would I go about getting into it further. It sounds like something I'd like to do. Is it similar to selling real estate or ?

      See above for the answers to part one of this question. As to if it is like real estate, I guess you could say that.

      If you're an insurance agent - especially for horses and/or farms - I'd really appreciate your input.
      Been doing this for 20 years and still not rich, my bosses are.


      • #4
        Insurance is definitely a great career. Everyone always needs insurance!

        You will most definitely need to get your P & C license, can't do anything without it.

        And like the above poster said, the starting salary isn't great.

        You can go and take the classes and get your license and then apply to either agency that specialize, or agencies that do normal insurance + farms that way you're a bit more diversed in your learning. But, you will start from the ground up and probably won't be an account manager from day 1.

        I started as the receptionist at my agency and am now the claims manager, and this is within 3 yrs of working here. So if you get into a good group, you can move up quick.

        good luck!
        Friend of bar.ka!
        Originally posted by MHM
        GM quote of the day, regarding the correct way to do things:
        "There's correct, and then there's correct. If you're almost correct, that means you're wrong."