Senior Personal Lines Risk Advisor - High-Net-Worth

World Insurance Associates LLC; Bridgewater (MA); On-site; USD 80,000 - 150,000; Full time

Benefits offered by this job

Medical, dental, vision

401(k) with immediate vesting

Job summary

World Insurance Associates is seeking a Senior Family Risk Specialist to build relationships, generate new business, and close personal lines opportunities for affluent households. The role involves advanced risk analysis, multi-policy structuring, and senior-level advisory support.

The anticipated base salary range is $80,000 to $150,000, with a base plus commission and a comprehensive benefits program including medical, dental, vision, and a 401(k) plan with immediate vesting. Location: U.S.

Qualifications

• 5+ years of personal lines production or risk advisory experience.
• Experience with High-Net-Worth households and complex accounts.
• Ability to coach others and provide subject-matter guidance.

Responsibilities

• Prospect, develop, and close new Personal Lines and High-Net-Worth business opportunities through consultative selling and effective 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, exposures, and household needs evolve.
• Coordinate with carrier, underwriting, and internal partners while independently determining which solutions best align with client needs and risk profile.
• Maintain accurate documentation and manage client, opportunity, and pipeline activity in approved agency and CRM systems, including HubSpot.
• Provide subject-matter guidance to Tier 1 specialists and help triage complex opportunities requiring advanced analysis or senior-level advisory support.
• Operate with limited day-to-day direction while complying with agency standards, carrier requirements, licensing obligations, and applicable regulations.

Skills

Analytical

Relationship management

Communication

Negotiation

Consultative selling

Education

Property & Casualty license

Tools

HubSpot CRM

Job description

World Insurance Associates is seeking a Senior Family Risk Specialist to build relationships, generate new business, and close personal lines opportunities for affluent households. The role involves advanced risk analysis, multi-policy structuring, and senior-level advisory support.

The anticipated base salary range is $80,000 to $150,000, with a base plus commission and a comprehensive benefits program including medical, dental, vision, and a 401(k) plan with immediate vesting. Location: U.S.