Relationship Manager, Private Risk

The Relationship Manager (RM) serves as the primary point of contact for high-net-worth (HNW) and ultra-high-net-worth (UHNW) private risk management clients. The RM is responsible for delivering elite, personalized client service, providing technical expertise in personal lines insurance, and proactively managing complex risk exposures across a sophisticated book of business. This role operates at the intersection of client advocacy, carrier relationship management, and strategic risk consulting — and is critical to driving retention, satisfaction, and growth within the Private Risk Management (PRM) practice.

PRIMARY RESPONSIBILITIES## Client Service & Relationship Management
* Serve as the primary relationship owner for an assigned book of HNW/UHNW clients, delivering proactive, white-glove service across all touchpoints — phone, email, and in-person.
* Anticipate client needs and surface coverage recommendations, risk alerts, and market changes before clients ask.
* Conduct annual interactive client reviews, presenting renewal proposals and agendas that reflect a deep understanding of each client's exposures and lifestyle.
* Build trusted advisor relationships that drive long-term retention and organic growth through referrals.## Risk Analysis & Coverage Consulting
* Review client exposures, underwriting memos, loss experience, and current coverages to identify gaps and recommend appropriate solutions.
* Advise and counsel clients on complex risk exposures including high-value homes, fine art and collectibles, watercraft, aircraft, excess liability/umbrella, and specialty lines.
* Review inspection reports for coverage accuracy and potential loss prevention issues; provide proactive direction to resolve outstanding items and minimize E&O exposure.
* Remain current on industry offerings, carrier appetite changes, and HNW market trends — making proactive recommendations to clients and leadership.
* Understand and introduce the holistic Baldwin platform as appropriate, including employee benefits, commercial lines, and asset protection services.## Market Placement & Carrier Relations
* Act as a market placement specialist, remarketing existing programs as needed to ensure competitive positioning and alignment with client needs.
* Cultivate strong relationships with carrier partners including PURE, Chubb, AIG Private Client, Cincinnati, Berkley One and specialty markets.
* Maintain thorough knowledge of insurer contracts, underwriting guidelines, proprietary systems, and appetite to optimize placement decisions.
* Collaborate with carrier representatives to advocate for favorable outcomes on complex risks, renewals, and claims.## Operational Excellence & Compliance
* Maintain accuracy, timeliness, and completeness in all client and carrier interactions to minimize errors and omissions exposure.
* Ensure all policy activity — new business, renewals, endorsements, cancellations — is documented accurately in agency management systems (Epic preferred).
* Adhere to Baldwin's established workflows, service standards, and compliance requirements across all client interactions.
* Identify opportunities to improve processes, workflows, and the overall client experience; surface recommendations to leadership.
* Manage a high-volume workload with strong organizational discipline and attention to detail.

KNOWLEDGE, SKILLS & ABILITIES##

Required Qualifications
* Active Property & Casualty insurance license in the state(s) where business is conducted, or the ability to obtain all required licenses within 90 days of hire.
* Minimum 3 years of experience in personal lines insurance, with demonstrated knowledge of HNW carrier contracts, underwriting guidelines, and claims processes.
* Proven ability to manage complex…