Elite HNW Personal Risk Advisor

World Insurance As; Boston (MA); On-site; USD 80,000 - 150,000; Full time

Benefits offered by this job

Base salary + commissions

Medical, dental, vision

401(k) with immediate vesting

Job summary

World Insurance Associates is seeking a Senior Family Risk Specialist to build relationships with individuals and high-net-worth households, generating new business and closing personal lines opportunities.

The role evaluates complex exposures, designs sophisticated protection strategies across multi-carrier and high-net-worth portfolios, and leads package reviews while mentoring Tier 1 specialists.

Qualifications

• 5+ years of personal lines production, risk advisory, or comparable consultative insurance experience.
• Demonstrated success assessing, structuring, presenting, and closing complex personal lines accounts, including High‑Net‑Worth or other coverage‑intensive households.
• Advanced knowledge of excess and umbrella liability, scheduled articles, property‑related specialty coverages, and multi‑carrier account structuring.
• Strong analytical, relationship‑management, communication, negotiation, and consultative selling capabilities.
• Demonstrated ability to exercise independent judgment in complex client and coverage situations.
• Ability to coach others and provide credible subject‑matter guidance.

Responsibilities

• Prospect, develop, and close new Personal Lines and High‑Net‑Worth business opportunities through consultative selling and effective pipeline management.
• Conduct in‑depth discovery to assess household exposures, existing coverage, asset‑protection needs, and opportunities for comprehensive insurance solutions.
• Exercise independent judgment to evaluate complex risks, identify coverage gaps, prioritize opportunities, and recommend appropriate insurance strategies.
• Design and present customized personal insurance programs, including excess liability, specialty property, valuable articles, flood, and multi‑carrier solutions as appropriate.
• Advise clients on coverage options, tradeoffs, limitations, and recommended actions as their assets, exposures, and household needs evolve.
• Coordinate with carrier, underwriting, and internal partners while independently determining which solutions best align with client needs and risk profile.
• Maintain accurate documentation and manage client, opportunity, and pipeline activity in approved agency and CRM systems, including HubSpot.
• Provide subject‑matter guidance to Tier 1 specialists and help triage complex opportunities requiring advanced analysis or senior‑level advisory support.
• Operate with limited day‑to‑day direction while complying with agency standards, carrier requirements, licensing obligations, and applicable regulations.

Skills

Advanced discovery and risk analysis

Complex coverage strategy

Independent judgment and decision‑make

High‑Net‑Worth client advisory

Portfolio and relationship leadership

Risk triage

Coaching and subject‑matter guidance

Communication and influence

Professional accountability

Education

Bachelor's degree preferred

Insurance designations CPRIA CIC CAPI CPCU preferred

Job description

World Insurance Associates is seeking a Senior Family Risk Specialist to build relationships with individuals and high-net-worth households, generating new business and closing personal lines opportunities.

The role evaluates complex exposures, designs sophisticated protection strategies across multi-carrier and high-net-worth portfolios, and leads package reviews while mentoring Tier 1 specialists.