Senior High-Net-Worth Personal Risk Advisor

World Insurance As; Town of Pittsford (NY); On-site; USD 80,000 - 150,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

401(k) plan with immediate vesting

Job summary

World Insurance Associates LLC seeks a Senior Family Risk Specialist to build relationships, generate new business, and close personal lines opportunities for affluent households. The role emphasizes risk analysis, multi-policy structuring, and sophisticated protection strategies.

The position requires independent judgment in assessing exposures, coaching junior staff, and ensuring compliance with licensing requirements.

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.

Responsibilities

• Prospect, develop, and close new Personal Lines and High-Net-Worth business opportunities through consultative selling and 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 and exposures evolve.
• Coordinate with carrier, underwriting, and internal partners while independently determining which solutions best align with client needs and risk profile.

Skills

Personal lines

Risk advisory

High-Net-Worth

Consultative selling

Education

Property & Casualty license

Job description

World Insurance Associates LLC seeks a Senior Family Risk Specialist to build relationships, generate new business, and close personal lines opportunities for affluent households. The role emphasizes risk analysis, multi-policy structuring, and sophisticated protection strategies.

The position requires independent judgment in assessing exposures, coaching junior staff, and ensuring compliance with licensing requirements.