Private Client Advisor

The Person al Lines Private Client Advisor is responsible for the day-to-day management of an assigned portfolio of high-net-worth personal lines clients, serving as the primary client contact and providing proactive, concierge-level service. The role owns client retention, account development, renewal strategy, policy servicing, coverage analysis, and risk-management guidance.

In addition, the Private Client Advisor supports assigned producers with new business quoting, carrier submissions, coverage and placement analysis, and client-ready proposals. The role serves as a technical resource to the Personal Lines team, helping navigate complex coverage questions, underwriting challenges, market opportunities, and placement strategies.

• Manage a portfolio of personal lines accounts with annualized revenue of $400K or greater, including homeowners, auto, umbrella, recreational vehicle, and other personal insurance products.
• Serve as the primary service and advisory contact for assigned high-net-worth and executive personal lines clients.
• Develop a comprehensive understanding of each client’s exposures, coverage needs, objectives, and service expectations.
• Manage day-to-day account activity, including renewals, policy changes, endorsements, billing inquiries, certificates, claims support, client follow-up, and required documentation.
• Conduct annual account and renewal reviews to evaluate changing risks, coverage adequacy, and opportunities to strengthen protection.
• Provide proactive coverage and risk-management recommendations while delivering timely, concierge-level service.
• Collaborate with producers, underwriters, carriers, and internal partners to resolve complex client and service issues.

• Support assigned producers with high-net-worth new business opportunities.
• Gather exposure information and prepare complete applications and underwriting submissions.
• Market accounts to appropriate carriers and obtain and evaluate quotes.
• Analyze coverage, pricing, terms, exclusions, and carrier differences and develop recommendations.
• Prepare accurate, polished, client-ready proposals within established timelines.
• Participate in client presentations and coverage discussions as appropriate.

• Serve as a subject matter expert in Personal Lines coverage, policy interpretation, underwriting, carrier markets, and placement strategies.
• Analyze complex coverage questions, policy forms, endorsements, eligibility requirements, and unique risk exposures.
• Identify coverage gaps and develop appropriate risk-management and coverage solutions.
• Develop placement strategies for complex, unusual, non-standard, and hard-to-place risks, including appropriate use of Excess & Surplus (E&S) markets.
• Evaluate carrier options and negotiate coverage terms, pricing, underwriting exceptions, and placement solutions when appropriate.
• Partner with carrier and underwriting Subject Matter Experts (SMEs) regarding coverage interpretations, endorsements, eligibility, specialized products, and emerging market trends.
• Provide guidance regarding Personal Lines versus Commercial Lines eligibility and appropriate department placement.
• Maintain current knowledge of carrier programs, coverage forms, underwriting requirements, regulatory developments, and market conditions.

• Own book-level performance, including retention, revenue growth, account development, and coverage expansion.
• Identify account-rounding, cross-sell, referral, and other opportunities to deepen client relationships.
• Develop proactive retention and remarketing strategies to address renewal risks and achieve favorable…