HighNetWorth Personal Lines Account Manager

EMAR Associates inc; West Palm Beach (FL); Hybrid; USD 65,000 - 95,000; Full time

Benefits offered by this job

401(k) matching

Health insurance

Paid time off

Parental leave

Flexible work schedule

Hybrid/remote after training

Job summary

EMAR Associates inc in West Palm Beach seeks an experienced High-Net-Worth Personal Lines Account Manager to service affluent clients and manage a book from renewal through day-to-day policy management.

You will collaborate with carriers, mortgage companies, and advisors to ensure accurate handling, renewals, endorsements, and billing, maintaining strong client relationships and service levels.

Qualifications

• Minimum of three years of personal lines account management experience.
• Experience with affluent or high-net-worth clients.
• Familiarity with high-value homes, secondary residences, autos, jewelry, collections, watercraft, flood, and umbrella liability.

Responsibilities

• Manage an assigned book of high-net-worth personal lines accounts.
• Serve as the primary client contact for insurance questions and service needs.
• Handle renewals, endorsements, billing matters, and claims assistance.
• Review policies to identify coverage gaps and make recommendations.
• Market new and renewal accounts to high-net-worth carriers.
• Prepare renewal summaries and present coverage options to clients.

Skills

Client communication

Time management

Problem solving

Policy review

Education

Florida 2-20 or 4-40 license

Tools

Agency-management systems

Carrier portals

Microsoft Office

Job description

Benefits:

401(k)

401(k) matching

Bonus based on performance

Health insurance

Paid time off

Parental leave

Benefits/Perks:

Competitive base salary based on experience

Performance-based bonus opportunities

Employer-paid health insurance with $0 employee contribution

401(k) plan with employer contribution

Paid vacation and personal time

Paid holidays

Flexible work schedule

Hybrid or remote-work opportunities after training for qualified employees

Employer-paid licensing and continuing education

Paid professional development and industry designations

Agency-paid membership in professional insurance organizations

Modern technology and agency-management systems

An established book of business with no cold calling or sales quotas

Direct access to agency leadership

Opportunity for advancement as the agency grows

Long-term job stability

Supportive, professional work environment

Employee referral bonus opportunities

Job Description:

We are seeking an experienced High-Net-Worth Personal Lines Account Manager to manage and service a book of affluent and high-net-worth clients. This position is responsible for delivering responsive, knowledgeable service while overseeing each account from renewal through day-to-day policy management.

The Account Manager will work directly with clients, insurance carriers, underwriters, mortgage companies, and other professional advisors to ensure accounts are handled accurately and efficiently.

Essential Duties and Responsibilities

Manage an assigned book of high-net-worth personal lines accounts

Serve as the primary contact for clients’ insurance questions and service needs

Handle renewals, endorsements, cancellations, reinstatements, billing matters, and claims assistance

Review policies and exposures to identify coverage gaps or potential deficiencies

Recommend appropriate coverage, limits, deductibles, and risk-management solutions

Market new and renewal accounts to high-net-worth and specialty carriers

Compare carrier proposals, policy terms, coverage, exclusions, deductibles, and premiums

Prepare renewal summaries and present coverage options to clients

Coordinate coverage for high-value homes, secondary residences, automobiles, jewelry, collections, watercraft, flood, and personal umbrella liability

Work with mortgage companies, financial advisors, attorneys, and other client representatives when necessary

Collect applications, schedules, valuations, inspection reports, and underwriting information

Confirm that all binding requirements, signatures, and payments are received on time

Maintain complete and accurate records in the agency-management system

Monitor upcoming renewals and follow up on outstanding items well before expiration

Develop strong, long-term relationships with clients and carrier partners

Provide a consistently high level of professional and responsive service

Qualifications

Minimum of three years of personal lines account management experience

Experience managing affluent or high-net-worth personal insurance clients

Strong knowledge of high-value homes, secondary residences, automobiles, jewelry, collections, watercraft, flood, and personal umbrella coverage

Familiarity with high-net-worth carriers, specialty markets, and Florida insurance requirements

Experience handling renewals, endorsements, billing matters, claims assistance, and daily client service

Ability to review policies, identify coverage gaps, and explain recommendations clearly

Excellent written and verbal communication skills

Strong organizational, time-management, and problem-solving abilities

High level of accuracy and attention to detail

Professional and confident when communicating with clients and their advisors

Ability to manage multiple accounts and deadlines with limited supervision

Comfortable using agency-management systems, carrier portals, and Microsoft Office

Active Florida 2-20 or 4-40 insurance license, or the ability to obtain the appropriate license

CISR, CIC, CPRIA, or another professional insurance designation is a plus

Flexible work from home options available.