Private Client Advisor

Position Summary

The Personal Lines Private Client Advisor is responsible for the day-to-day management of an assigned portfolio of high-net-worth personal lines clients, serving as the primary client contact and providing proactive, concierge-level service. The role owns client retention, account development, renewal strategy, policy servicing, coverage analysis, and risk-management guidance.

In addition, the Private Client Advisor supports assigned producers with new business quoting, carrier submissions, coverage and placement analysis, and client-ready proposals. The role serves as a technical resource to the Personal Lines team, helping navigate complex coverage questions, underwriting challenges, market opportunities, and placement strategies.

• Manage a portfolio of personal lines accounts with annualized revenue of $400K or greater, including homeowners, auto, umbrella, recreational vehicle, and other personal insurance products.

• Serve as the primary service and advisory contact for assigned high-net-worth and executive personal lines clients.

• Develop a comprehensive understanding of each client’s exposures, coverage needs, objectives, and service expectations.

• Manage day-to-day account activity, including renewals, policy changes, endorsements, billing inquiries, certificates, claims support, client follow-up, and required documentation.

• Conduct annual account and renewal reviews to evaluate changing risks, coverage adequacy, and opportunities to strengthen protection.

• Provide proactive coverage and risk-management recommendations while delivering timely, concierge-level service.

• Collaborate with producers, underwriters, carriers, and internal partners to resolve complex client and service issues.

• Support assigned producers with high-net-worth new business opportunities.

• Gather exposure information and prepare complete applications and underwriting submissions.

• Market accounts to appropriate carriers and obtain and evaluate quotes.

• Analyze coverage, pricing, terms, exclusions, and carrier differences and develop recommendations.

• Prepare accurate, polished, client-ready proposals within established timelines.

• Participate in client presentations and coverage discussions as appropriate.

• Serve as a subject matter expert in Personal Lines coverage, policy interpretation, underwriting, carrier markets, and placement strategies.

• Analyze complex coverage questions, policy forms, endorsements, eligibility requirements, and unique risk exposures.

• Identify coverage gaps and develop appropriate risk-management and coverage solutions.

• Develop placement strategies for complex, unusual, non-standard, and hard-to-place risks, including appropriate use of Excess & Surplus (E&S) markets.

• Evaluate carrier options and negotiate coverage terms, pricing, underwriting exceptions, and placement solutions when appropriate.

• Partner with carrier and underwriting Subject Matter Experts (SMEs) regarding coverage interpretations, endorsements, eligibility, specialized products, and emerging market trends.

• Provide guidance regarding Personal Lines versus Commercial Lines eligibility and appropriate department placement.

• Maintain current knowledge of carrier programs, coverage forms, underwriting requirements, regulatory developments, and market conditions.

• Own book-level performance, including retention, revenue growth, account development, and coverage expansion.

• Identify account-rounding, cross-sell, referral, and other opportunities to deepen client relationships.

• Develop proactive retention and remarketing strategies to address renewal risks and achieve favorable coverage and pricing outcomes.

• Support producers with renewal analysis, revenue opportunities, and strategic client presentations.

• Process policy transactions and servicing activities accurately and within established Service Level Standards.

• Maintain complete and timely documentation in agency systems.

• Utilize agency systems, carrier resources, reporting tools, and renewal platforms to manage accounts and identify retention, coverage, and growth opportunities.

• Provide guidance and support to clients throughout the claims process while coordinating with carriers and claims representatives as appropriate.

• Identify risk exposures and recommend appropriate loss-prevention strategies.

• Resolve escalated client and service concerns while protecting client relationships and minimizing agency risk.

• Maintain accurate, complete, and organized client records in accordance with agency standards, documentation requirements, and service expectations.

• Comply with agency procedures, carrier guidelines, insurance regulations, E&O prevention practices, Standard Operating Procedures, Service Level Standards, and quality requirements.

• Mentor and support Account Managers and Associate Account Managers through coaching, training, and knowledge sharing.

• Provide onboarding assistance and technical guidance as requested.

• Contribute to a culture of continuous improvement by sharing best practices, technical expertise, and successful account-management strategies.

· This role is accountable for meeting or exceeding established Personal Lines performance standards and KPIs set forth by the Director of Personal Lines.

Education & Licensing Requirements:

· High School Diploma required, higher education preferred.

· A minimum of one insurance designation maintained.

· Active Property & Casualty Producer License.

· Advanced designation preferred (CIC,CPCU, ARM, etc.)

· May be required to obtain and maintain a Life & Disability insurance license.

Professional Experience and Skills:

· A minimum of eight (8) years in personal lines insurance.

· Proven experience managing complex portfolios

· Proficiency in Microsoft Office Suite and general computer systems

· Familiarity with agency management systems (EPIC preferred)

· Demonstrated ability to influence and support others

· Advanced technical insurance expertise

· Strong understanding of personal insurance products

· Knowledge of carriers specializing in high-net-worth insurance products

· Proven experience with high-net-worth clients and markets

· Excellent communication, presentation, and relationship-building skills

· Strategic thinking and client advisory

· Strong critical thinking, decision-making, analytical and problem-solving skills

· Relationship management (clients and carriers)

· Mentorship and knowledge sharing

· Accountability and ownership

· Proficiency with agency management systems and Microsoft Office Suite