TEST: Find The Best Insurance Jobs Tucson AZ Has To Offer With Afni

Explore the best insurance jobs in Tucson with Afni. We offer onsite and work at home insurance jobs in Tucson where you can build the career you want. The insurance industry is ever-expanding in value and importance, so finding the right insurance job listings in Tucson can be challenging.

We’ve made it simple and fast with insurance job openings in Tucson listed below. Scroll through the opportunities, apply today, and land an interview with Tucson’s top global contact centers.

Source: shutterstock.com / Photo Contributor: Jirsak

• The Insurance Industry in Tucson

  As the second-largest city in Arizona, Tucson has an intricate web of insurance companies mandated by Arizona's state laws. So if you need to get certified, you'll have to contact the Department of Insurance and Financial Institutions. The department is in charge of issuing and renewing licenses for many professionals and companies in the industry.

  That said, the most common types of insurance available are:

  • Property insurance
    • Home insurance
    • Renters insurance
    • Landlord insurance
    • Fire insurance
    • Flood insurance
    • Earthquake insurance
    • Pet insurance
  • Car insurance
    • Motorcycle insurance
    • Power sports insurance
  • Business and commercial insurance

  Health insurance

  Health insurance is one of the most common insurance types available. It covers different medical expenses based on your needs. Depending on the policy you invest in, you’ll get partial or full reimbursement. This insurance covers injuries from accidents, disabilities, and even accidental death.

  Arizona is an Effective Rate Review state based on HHS regulations. Thus, this program obliges the state to provide information about "threshold" rate increase filings (15% or greater).

  This type of insurance is most often obtained through a contract between a business and an employee. Simply put, the company pays the person’s medical costs in exchange for a monthly premium. Some healthcare costs it covers are injuries, illnesses, and pregnancy.

  However, freelancers and self-employed people can purchase their own separate health insurance plans. Thanks to the Affordable Care Act of 2010, individuals can visit HealthCare.gov and choose a standard plan from a local private insurer.

  Two other important health insurance plans are Medicare and CHIP. The first is available to Americans aged 65 and above and people with disabilities. CHIP stands for the Children's Health Insurance Program and is available for children under 18.

  Property insurance

  Home insurance

  The second most common insurance type is that of your home or property. It covers the losses and damages caused to your residence, furniture, and other assets. Furthermore, it can be used by property owners and renters to ensure the safety of their belongings.

  The owners mostly invest in homeowners insurance covering the house and personal property. On the other hand, tenants choose renters insurance which involves personal property and owned furniture. For fire-related loss, the coverage is based on the type of insurance policy you’ve got.

  When dealing with home insurance, there are several terms you should be aware of. Such are:

  • Depreciation - loss of value due to age
  • Peril - a condition or event that may cause a certain loss. Such are floods, thefts, fires, etc.
  • Replacement cost - the amount of money needed to replace or repair certain damages with similar materials without deductions for depreciation.

  Home insurance policy types

  Since different policies cover different types of damages, the most common ones for home insurance are:

  • All risk: covers damage caused by fire, freezing, collapse, windstorm, smoke, or other accidents. However, it may exclude floods, wars, and power failures.
  • Actual cash value: covers the cost of damage at the time of the loss minus the depreciation.
  • Additional living expenses: covers the expenses during a period where you cannot live in your home due to an unfortunate event.
  • Contents insurance: covers any damage caused to the belongings that aren’t part of your home’s structure.
  • Name peril: cover only the events specifically named or mentioned in the policy.
  • Property damage: covers damage to personal properties and homes caused by natural perils. It can include fires, lightning, and windstorms.
  • Personal Liability Insurance: protects you and the family you live with from lawsuits involving injuries or property damage. It covers defense costs but is limited to a predetermined liability mentioned in the policy.

  

  Source: shutterstock.com/ Photo Contributor: Vitalii Vodolazskyi

  Renters insurance

  If you live in Tucson, you may already know that Arizona laws don’t mandate renters insurance. However, if you plan on renting a house or apartment, many apartment buildings and landlords ask for such insurance as a condition for moving in.

  In simple terms, renters insurance protects the renter’s furniture and personal property from any unforeseen damage. Even though the policies may vary, most of them offer four standard coverages:

  • Personal property: for personal belongings, such as clothes, electronics, and furniture.
  • Personal liability: for when you’re responsible for someone else’s injury or property damage.
  • Loss of use: for increased living expenses when you’re unable to stay at your home.
  • Medical payments: for specific medical expenses.

  If these standard coverages don’t meet your needs, you should look into policies with customized coverage limits.

  Landlord insurance

  If you plan on leasing your property to tenants, consider looking into landlord insurance. This type of insurance is a specialized homeowners policy that meets your specific coverage needs. Since you’ll be renting your property to tenants, you have higher risks of property damage. Thus, it’s only expected that a landlord's insurance costs 15% to 25% more than a typical home policy.

  Depending on the policy type, this insurance usually covers the following damages:

  • Fire damage: useful for accidental fires caused by the tenants or unexpected wildfires.
  • Severe weather damage: in case damage is caused by hail, thunderstorms, windstorms, or other unfortunate events.
  • Accidental property damage: unintentional damage caused to your property by the tenants.
  • Landlord liability: in case of any legal procedures involving tenant injury.

  Fire insurance

  Fires are quite often in areas where there’s a dry climate and hot weather. Thus, fire insurance is always present in home insurance for those who live anywhere in Arizona. With a self-explanatory name, his type of insurance will cover the expenses of repairs to damage caused by unpredictable fires.

  A basic fire insurance policy usually includes building and contents coverage. The former focuses on structural damage, while the latter deals with the belongings on the property. Be aware that a basic policy doesn’t necessarily cover businesses and vehicles. Thus, you need to invest in separate insurance for them.

  Flood insurance

  Flooding is a regular occurrence in the Tucson area, often occurring during the monsoon season. Because of floods, many homeowners or renters want to protect their properties from the potential damage a flood can cause.

  A general home insurance doesn’t usually cover the expenses for flood repairs, as flood insurance is a separate insurance policy.

  To protect their property in such cases, because even an inch of water can cause damage to the property, Tucson homeowners have to contact the National Flood Insurance Program. However, be aware that there’s a 30-day waiting period for these policies to come into effect.

  Earthquake insurance

  Arizona is less likely to experience earthquakes when compared to California, Nevada, and Utah. But hundreds of earthquakes with lower magnitude scales happen annually on the territory. Scientists have also found that every 5 to 10 years, moderate earthquakes remind them of this inevitable threat.

  Even though many people invest in home insurance, this insurance type doesn’t cover the expenses for damages caused by earthquakes. Thus, Tucson homeowners have to invest in this specific policy if they want to ensure their property is covered in case of an earthquake.

  Pet insurance

  In simple terms, pet insurance works as health insurance for your beloved furry friend. But there may be various exclusions, as well as different levels of coverage and payment limits. Depending on the kind of policy you’re interested in, the three main categories are:

  • Accident-only: includes treatment costs for injuries and illnesses caused by accident. For example, it’ll cover the costs if your pet swallows a foreign object.
  • Accident and illness: covers the same treatment costs as accidents but also includes vet diagnosis. But this policy only focuses on sickness and disease and excludes routine check-ups and teeth cleaning.
  • Wellness coverages: unlike the two previous policies, this one covers preventive care. Such are vaccinations, spaying and neutering, and routine visits.

  Car insurance

  With a self-explanatory name, vehicle insurance covers the costs related to motor vehicles. It affects cars, trucks, and motorcycles and provides financial protection in case of physical damage or bodily injury. The most common coverage types for this insurance are:

  • Liability coverage
  • Physical damage coverage
  • Medical payments coverage
  • Miscellaneous coverages
  • Uninsured and underinsured motorist coverage

  Motorcycle insurance

  Motorcycle owners in Tucson, Arizona, should know they are legally obliged to have this insurance if they want to ride their motorcycles on the open roads. Moreover, the cost of such policies is influenced by the type of motorcycle you own, your driving experience, and how many miles you’ve covered.

  When investing in motorcycle insurance, you can expect the following:

  • Liability coverage: covers any injuries or property damage you may cause to others.
  • Collision and comprehensive coverage: covers damage done to your motorcycle in case of traffic collisions or severe weather conditions.
  • Medical coverage: covers any medical expenses due to road accidents.
  • Custom parts and equipment coverage: covers any customizations and upgrades you’ve applied to your bike.
  • Uninsured motorist coverage: covers expenses in case an uninsured biker causes you damage.
  • Gap insurance: covers the remaining cost of the bike you own if it’s permanently damaged during an accident.
  • Towing and roadside assistance coverage: covers any additional transportation costs in case you’re left on the side of the road due to any malfunction.

  Powersports insurance

  Powersports or ATV insurance is quite similar to motorcycle insurance. These policies focus on all-terrain vehicles and any damages caused to or by them. Even though most of these vehicles are used for off-road purposes, the policy is usually based on the type you own.

  Same as motorcycle insurance, you’ll get liability, collision, comprehensive, and other types of coverage.

  

  Source: shutterstock.com / Photo Contributor: Toomko

  Commercial insurance

  Commercial insurance is also known as business insurance. As the name implies, commercial insurance focuses on providing insurance coverage for businesses instead of individuals. With its help, companies can prevent losses caused by unexpected events. Such are accidents, natural disasters, and lawsuits.

  This type of insurance is especially beneficial for smaller businesses. Since they’re highly affected by financial exposure, it allows them to continue operating and investing even though there are risks involved. Furthermore, it protects businesses from employee-related risks, property damage, and legal liability.

  Commercial insurance policy types

  Some of the most popular policy types for commercial insurance are:

  • Commercial general liability: comprehensive insurance suitable for all businesses. It covers property damage, medical expenses, bodily injury, lawsuits, and slander.
  • Professional liability: suitable for businesses that provide services instead of products. It covers the loss caused by a specific service, including malpractice, errors, or negligence.
  • Business interruption: suitable for retail stores, manufacturing facilities, and other businesses with physical locations. It covers the loss of income experienced by a disrupted business course.
  • Product liability: for manufacturers, wholesale distributors, retailers, or other businesses that work with products. It covers the costs of damage caused by faulty products.
  • Commercial property: suitable for businesses with equipment, inventory, signage, furniture, and other physical property. It covers the damage to furniture, computers, and other inventory caused by fires, theft, or storms.

• What the Insurance Industry Offers

  Many people are becoming more interested in what the insurance industry offers. While some see it as an opportunity for further career growth, others seek job security. Insurance policies can be traced back to ancient times and have withstood the test of time. So it’s only natural that people are so interested in them.

  Not only can this industry positively affect your life, but it also impacts the economy. It drives this progress by being one of the major US employers and supports it by investing the collected funds.

  If you’re considering this industry as a career, you must know several elements before joining it. Furthermore, you’ll discover the amazing opportunities Afni Careers has to offer. By informing yourself on the roles, types, and little details, you’ll know what to expect.

• Types of Insurance Jobs in Tucson

  When it comes to landing the right job in the insurance industry, Afni offers many competitive job listings that help you connect with different exciting opportunities.

  Your career path should be based on your education and prior work experiences.

  However, besides the main insurance job positions, this progressive industry is also in need of roles from other sectors. Such are engineering and data science, human resources, and public relations.

  That being said, Afni offers a wide range of different insurance job positions for you to explore and pursue, such as:

  • Insurance agents
  • Insurance underwriters
  • Insurance claims and policy processing clerks
  • Insurance sales managers
  • Insurance investigators

  Contact center insurance representatives

  Choosing this role means that you’ll be in direct contact with the customers. By helping them choose the right policies, you'll also represent the company during the transactions.

  Depending on the contract or agency agreement, you’ll be given different types of insurance to sell.So always research them thoroughly before signing any contracts.

  Most insurance agent job positions only require a high school diploma. But people with college degrees always have an advantage. The biggest success has been seen in those who’ve previously studied business, finance, or economics.

  Insurance underwriters

  The second job opportunity in the insurance industry is the position of an insurance underwriter. Choosing this role means that you’ll be evaluating and analyzing the risks of insuring specific people and assets.

  You’ll have access to specialized software and data to determine the size of potential harms. After researching the subject, insurance underwriters estimate the price for the insurable risks.

  Unlike insurance agents, underwriters are required to have a college degree to get the job. If you’ve studied in the field of business, management, finance, law, or economics, you’re eligible for the position.

  Insurance claims and policy processing clerks

  Insurance claims and policy processing clerks are tasked with processing and managing specific documents. So applying for this job means doing paperwork involving insurance policies and claim forms. Furthermore, you’ll need to gather and review information about the policyholders and verify the accuracy of the documentation.

  The insurance claims, and policy processing clerk role only requires a high school diploma. But in some cases, you may stumble upon companies who ask for college coursework or an associate's degree. Furthermore, ensure you have excellent typing and computer skills before applying for this job.

  Insurance sales managers

  An insurance sales manager will lead a sales team and monitor their progress. They’re required to craft strategies to increase sales and develop marketing campaigns. Furthermore, it’s their responsibility to determine how many policies should be sold during a certain period.

  Those interested in this position should be able to:

  • Keep up-to-date with industry trends
  • Have the ability to mediate customer disputes
  • Monitor sales objectives

  Even though only a high school diploma is required for this role, candidates with a bachelor’s degree in business have the upper hand. If you’re considering this job, ensure you have strong interpersonal and leadership skills.

  Insurance investigators

  The last specific role in this industry is that of an insurance investigator. Those applying for this position will be asked to examine suspicious insurance claims. Doing so helps combat insurance fraud and establish circumstances for particular claims.

  Depending on the type of employment, an insurance investigator can be in-house or private. The in-house investigators will work only for a specific company, while private ones are hired by contract.

  Remember that insurance investigators have a very serious job. So prior college education and work experience are crucial for getting the position. If you’re interested in this role, strive to obtain a bachelor's degree in criminal justice. Other suitable diplomas are those for business administration, finance, and risk management.

  

  Source: shutterstock.com / Photo Contributor: chainarong06

• Education and Training for Insurance Jobs

  Besides being in the same industry, these positions often require specific knowledge in the field of business. Even though some of the jobs only ask for a high school diploma, the candidates with bachelor's degrees in the subject will always have the advantage.

  So what if you’re interested in an insurance job but have a degree in another field? First, there are many e-learning opportunities found online. But you should always be wary of scammy sites offering expensive courses without certification.

  That’s why you should always go for a well-known and trusted source of information. So if you’re looking for an insurance job in Tucson, check out Afni Careers. With the newly announced insurance services, Afni is willing to provide the necessary training for the position. Furthermore, you’ll be well prepared for the licensing exam, which is fully covered by the company.

• Salaries and Benefits for Insurance Careers in Tucson

  As mentioned, the insurance industry is a stable sector with a bright future. But besides job stability, most people look for positions that offer promising salaries and benefits.

  Most of the benefits for these job positions depend on the company you join. That’s why you should always ensure you do the proper research before applying to one. If you’re interested in joining the Afni insurance team, some of the benefits you can expect are:

  • Healthcare, vision, and dental insurance
  • Paid holidays and vacations
  • Casual and comfortable dress code
  • Promotion opportunities
  • Fun, diverse, and inclusive company culture
  • Referral bonus programs

• Job Hunting in the Tucson Insurance Industry

  Job hunting is always an exhausting and nerve-wracking process. Regardless of the industry you’re interested in, finding suitable companies and positions takes a lot of time and effort. While some may not meet your standards, others may ask for qualifications that you don’t have.

  With our comprehensive listings, we help you find the perfect insurance opportunity that matches your skills, interests, and aspirations.

  So if you’re in the Tucson area and are looking for a job position in the insurance industry, you’re in luck! Afni, a proud local employer with over 25 years of experience, is hiring 10 licensed and non-licensed positions.

  So if you think you meet the minimum requirements for these roles, ensure you check out the open job positions in Tucson, including hybrid or in-office jobs, and apply in one of the many insurance fields available.

  

  Source: shutterstock.com / Photo Contributor: POLYE

• Find Your Next Insurance Job In Tucson With Afni

  We understand that it can be tough to find the perfect insurance job in Tucson. That's where Afni comes to the rescue! With numerous job openings listed, Afni empowers you to select the position that perfectly aligns with your qualifications and standards.

  If you don’t have prior experience but are eager and committed to learning the craft, don’t forget to check out job positions with training and development programs that will help you get on top of your game.

  Trust Afni to support you along your journey to landing an awesome job in Tucson. Together, we'll make your insurance career aspirations a reality.