Client Manager, Personal

Unison Risk Advisors•Baltimore, MD

4d•$60,000 - $73,000

About The Position

The Personal Client Manager manages and services a sophisticated portfolio of affluent and high net worth personal insurance clients. The role serves as a trusted insurance resource and works closely with Risk Advisors, insurance carriers, and internal service team members to identify exposures, develop comprehensive coverage solutions, and deliver an exceptional client experience. The position maintains client relationships, coordinates renewals and marketing, identifies coverage gaps and opportunities, and ensures accounts are serviced accurately, efficiently, and in accordance with agency standards. The Client Manager provides personalized day-to-day service, analyzes personal insurance programs and complex exposures, and educates clients about coverage options and risk mitigation. The role leads the client-service aspects of renewals, markets accounts when necessary, supports new-business onboarding and transitions, and maintains relationships with carrier and underwriting partners. Ongoing duties include processing or overseeing account transactions, reviewing policy documents, maintaining documentation in Applied EPIC, supporting clients through claims, and staying current on industry developments.

Requirements

Active Property & Casualty insurance license.
High school diploma or GED.
At least 5 years of personal lines insurance experience, preferably with direct responsibility for affluent or high net worth personal insurance accounts.
Strong technical knowledge of personal insurance coverages, forms, underwriting practices, and risk management concepts.
Experience managing complex accounts involving multiple properties, high-value homes, valuable articles, excess liability, luxury automobiles, and other specialized exposures.
Strong Microsoft Office skills.

Nice To Haves

Associate or bachelor's degree.
Experience with Applied EPIC and Fulcrum.
Desire to pursue professional designations such as CISR, CPRM, or CPRIA.

Responsibilities

Manage and service a portfolio of affluent and high net worth personal lines clients with responsive, professional, personalized service.
Serve as a primary day-to-day contact for coverage questions, policy changes, billing matters, claims assistance, renewal planning, and other insurance needs.
Develop an understanding of each client's assets, lifestyle, risk profile, family circumstances, and insurance priorities.
Build long-term client relationships through proactive guidance and by anticipating client needs.
Handle sensitive client and financial information with professionalism, discretion, and confidentiality.
Review personal insurance programs to identify coverage gaps, overlaps, limit concerns, and opportunities to improve risk management.
Evaluate sophisticated personal exposures, including high-value residences, multiple properties, luxury and collector vehicles, valuable articles, fine art, jewelry, watercraft, recreational vehicles, excess liability, domestic staff, trusts, and LLC-owned property.
Review replacement cost estimates, appraisals, schedules of valuables, umbrella limits, underlying liability requirements, and other coverage considerations.
Educate clients about coverage options, exclusions, limitations, deductibles, carrier requirements, and risk mitigation strategies.
Coordinate with Risk Advisors on complex recommendations, significant account changes, and opportunities to enhance insurance programs.
Lead client service for renewals, ensuring accounts are reviewed well in advance of expiration and required information is obtained in a timely manner.
Analyze renewal terms, pricing, coverage changes, carrier recommendations, and underwriting requirements.
Market accounts to appropriate carriers when necessary; prepare submissions, gather underwriting information, analyze proposals, and compare coverage options.
Prepare coverage comparisons and recommendations and negotiate with carrier partners when appropriate.
Proactively communicate significant premium changes, coverage modifications, underwriting concerns, and alternatives to clients.
Partner with Risk Advisors to onboard and implement new high net worth personal lines accounts.
Review prospective clients' insurance programs, identify exposures, and assist with coverage recommendations.
Obtain applications, underwriting information, appraisals, loss history, and supporting documentation required for placement.
Coordinate issuance, review, and delivery of new policies and ensure coverage is accurately reflected in agency systems.
Develop working relationships with high-net-worth personal lines carrier partners and underwriting teams.
Liaise between clients and carriers regarding underwriting requirements, inspections, risk improvement recommendations, and coverage considerations.
Coordinate property inspections, valuations, appraisal requirements, and underwriting follow-up.
Stay informed about carrier appetite, products, underwriting guidelines, coverage enhancements, and marketplace changes.
Process or oversee endorsements, cancellations, evidence of insurance, mortgagee and lienholder requests, automobile changes, valuable-article schedules, and other account transactions.
Review policies, endorsements, binders, and other documents for accuracy.
Maintain complete, accurate, and timely documentation of client communications and account activity in Applied EPIC.
Coordinate with claims personnel and carrier representatives to support clients through the claims process while maintaining appropriate agency and carrier roles.
Identify cross-selling opportunities or emerging exposures and partner with the Risk Advisor as appropriate.
Provide backup and support to Personal Lines team members when needed.
Pursue professional development and training to remain current on personal insurance trends, emerging risks, carrier developments, and industry best practices.
Perform other duties as assigned.