Senior High-Net-Worth Personal Risk Advisor

Insurancecenterinc; Bridgewater (MA); On-site; USD 80,000 - 150,000; Full time

Job summary

World Insurance Associates is seeking a Senior Family Risk Specialist to build relationships, generate new business, and close personal lines opportunities with high-net-worth households. The role involves sophisticated risk analysis, multi-carrier structuring, and collaborative engagement with carriers, underwriters, and internal partners.

The position emphasizes independent judgment, asset protection, and a track record of closing complex personal lines accounts.

Qualifications

• 5+ years in personal lines production or risk advisory.
• Proven ability to close complex personal lines, including HNW clients.
• Advanced knowledge of excess/umbrella and multi-carrier structuring.
• Strong analytical, relationship-management, communication, negotiation, and consultative selling skills.
• Ability to coach others and provide subject-matter guidance.

Responsibilities

• Prospect, develop, and close Personal Lines and High-Net-Worth opportunities.
• Conduct in-depth discovery to assess household exposures, existing coverage, asset-protection needs, and opportunities for comprehensive insurance solutions.
• Evaluate risks, identify coverage gaps, prioritize opportunities, and recommend appropriate strategies.
• Design and present customized personal insurance programs, including excess liability and multi-carrier solutions.
• Advise clients on coverage options and tradeoffs as assets and exposures evolve.
• Coordinate with carrier, underwriting, and internal partners to align solutions.
• Maintain documentation and manage client, opportunity, and pipeline activity in CRM systems (HubSpot).
• Provide subject-matter guidance to Tier 1 specialists and triage complex opportunities.

Skills

Advanced discovery & risk analysis

Complex coverage strategy

Independent judgment

High-Net-Worth advisory

Portfolio & relationship leadership

Risk triage

Coaching & guidance

Communication & 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, generate new business, and close personal lines opportunities with high-net-worth households. The role involves sophisticated risk analysis, multi-carrier structuring, and collaborative engagement with carriers, underwriters, and internal partners.

The position emphasizes independent judgment, asset protection, and a track record of closing complex personal lines accounts.