Private Client Advisor

Fournier; Seattle (WA); In loco; USD 120.000 - 160.000; Tempo pieno

Descrizione del lavoro

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.

Essential Duties and Responsibilities

Client Relationship & Account Management

• 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.

Producer & New Business Support

• 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.

Coverage, Placement & Technical Expertise

• 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.

Revenue Growth & Retention

• 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.

Service Execution & Documentation

• 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.

Operations & Compliance

• 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.

Leadership & Team Development

• 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.

Qualifications

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.
• Proficiency in Microsoft Office Suite and general computer systems
• Familiarity with agency management systems (EPIC preferred)
• Demonstrated ability to influence and support others

Core Competencies

• 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