Risk Placement Specialist, High Net Worth - Personal Lines

Relation Insurance Services; Stockton (CA); On-site; USD 44,000 - 115,000; Full time

Benefits offered by this job

Competitive pay

Comprehensive benefits package (health

401K and employee programs

Job summary

Relation Insurance Services in Stockton, CA, is seeking a Risk Placement Specialist to support the sales process by evaluating referrals for HNW/UHNW alignment and routing to Private Client or Personal Lines as needed.

The role requires a Property and Casualty license, a four-year degree is preferred, and at least 5 years of UHNW risk placement experience. You will negotiate terms with carriers and prepare comprehensive proposals.

Qualifications

• Property and Casualty license required and must be maintained.
• Four-year degree preferred; designations welcomed.
• Minimum 5 years in risk placement for UHNW/Family office.
• Strong proficiency with MS Office.
• Excellent communication and analytical skills.
• Detail-oriented and highly organized.

Responsibilities

• Evaluate referrals for HNW/UHNW alignment and route appropriately.
• Develop renewal strategies based on client risk and market conditions.
• Analyze markets and coverage options to propose competitive solutions.
• Manage end-to-end new business placement: prep, submission, follow-up.
• Negotiate pricing and terms with carriers through underwriters.
• Prepare proposals reflecting coverage, premiums, and outcomes.
• Collaborate with sales and service to align placement with objectives.
• Ensure quotes comply with laws and regulations.
• Stay current on industry trends and new products.
• Adopt AI solutions to enhance client service.
• Handle special projects as assigned.

Skills

Risk placement

Insurance industry knowledge

Microsoft Office

Communication skills

Analytical skills

Education

Four-year degree preferred

Property & Casualty License

Insurance designations (CPRM/CISR/CIC/CPCU)

Tools

MS Word

PowerPoint

Excel

Job description

Who We Are

Relation Insurance is a leading, innovative company with a strong commitment to excellence and a passion for delivering cutting-edge solutions to our clients. As a key player in the insurance market, we pride ourselves on our dynamic culture, collaborative environment, and continuous drive for success. With a rich history and a bright future ahead, we are looking for exceptional individuals to join our team and contribute to our ongoing growth and success.

What We're Looking For

The Risk Placement Specialist supports the sales process to retain and grow the business by providing marketing support that is dependable, accurate, accessible, and driven for success. The individual in this role partners closely with sales and service teams to promote Relation’s products and services, supporting both new client acquisition and retention.

A GLIMPSE INTO YOUR DAY

• Supports new business strategy and revenue generation by evaluating referrals to assess alignment with High Net Worth (HNW) and Ultra High Net Worth (UHNW) criteria and facilities appropriate routing to Private Client or Personal Lines as needed.
• Develops and implements a renewal strategy based on potential and existing clients’ risks profiles, market conditions and carrier options, as requested.
• Analyzes markets, products, and coverage options to recommend optimal, competitively priced solutions tailored to client risk profiles.
• Manages end-to-end new business placement, including preparation, submission, follow-up, and documentation of applications, quotes, and carrier communications.
• Leverages strong carrier and underwriter relationships to negotiate favorable pricing and coverage terms for clients.
• Develops and delivers comprehensive proposals that clearly reflect recommended coverages, premiums, and underwriting outcomes.
• Collaborates with sales and service teams to align placement efforts with sales and service objectives.
• Adheres to legal and regulatory requirements in the insurance industry, ensuring all quotes and proposals comply with applicable laws and regulations.
• Stays up to date on industry trends, market conditions, and new insurance products to provide valuable insights and recommendations.
• Fully adopts innovative technology, including proprietary AI solutions, into the service process to deliver a best-in-class client service experience.
• Special projects and other duties as assigned.

What You Need To Be Successful In This Role

• A Property and Casualty License from state of domicile is required and must be maintained.
• Four-year degree preferred.
• Preference given to individuals that have insurance designations (e.g., CPRM, CPRIA, CISR, CIC, CPCU).
• High school diploma or equivalent.
• Minimum 5 years' experience supporting risk placement initiatives in Ultra High Net Worth and Family office space.
• Strong proficiency in using Microsoft Office Suite, especially Word, PowerPoint, Excel.
• Ability to learn and adapt quickly to new technologies and software.
• Customer focused, high integrity, excellent work ethic.
• In-depth understanding of personal lines of coverage.
• Excellent written/verbal communication and interpersonal skills, with the ability to effectively interact with internal and external clients, business partners, and insurance carriers.
• Detail-oriented and highly organized, with the ability to manage multiple tasks and prioritize work effectively to meet or exceed deadlines.
• Strong, proactive communications to keep internal and external engagements up to date.
• Strong analytical and mathematical skills.

WHY CHOOSE RELATION?

• Competitive pay.
• A safe and healthy work environment provided by our robust benefit program including family health and wellness programs, 401K, employee assistance programs, paid time off, paid holidays and more.
• Career advancement and development opportunities.
• Paid training and continuing education to obtain/maintain your insurance license.

Note

The above is not all encompassing of the full position description.

Relation Insurance Inc. provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.

The wage range for this role takes into account the wide range of factors that are considered in making compensation decisions including but not limited to skill sets; experience and training; licensure and certifications; and other business and organizational needs. The disclosed range estimate has not been adjusted for the applicable geographic differential associated with the location at which the position may be filled. At Relation, it is not typical for an individual to be hired at or near the top of the range for their role and compensation decisions are dependent on the facts and circumstances of each case. A reasonable estimate of the current range is presented within this posting.

You may also be eligible to participate in a discretionary annual incentive program, subject to the rules governing the program, whereby an award, if any, depends on various factors, including, without limitation, individual and organizational performance.

$44,000.00 - $115,000.00