Director – Production, Private Client Personal Lines

Title: Director - Production, Private Client Personal Lines
Department: Personal Lines - Private Client Division

SUMMARY:

• The Director, Private Client Personal Lines is responsible for leading and growing the high-net-worth and complex personal insurance portfolio.
• This role combines business development, portfolio management, carrier strategy, underwriting collaboration, and leadership of service personnel to deliver a best-in-class private client experience.
• The Director will be accountable for profitable growth, retention, market relationships, and positioning the firm as a premier advisor in the private client insurance space. The successful candidate will maintain and grow a significant personal book of business while providing strategic direction to the Private Client division.

ESSENTIAL RESPONSIBILITIES: Strategic Leadership & Growth

• Develop and execute a strategic plan for the Private Client division.
• Build and grow a high-net-worth personal lines book of business (homes, secondary residences, seasonal properties, automobiles, watercraft, collections, umbrella, etc.).
• Identify and pursue referral partnerships (wealth advisors, lawyers, accountants, realtors, family offices).
• Position the brokerage as a specialist for complex and affluent risks.
• Establish production targets, retention benchmarks, and growth KPIs.

Client Advisory & Portfolio Oversight

• Provide sophisticated insurance counsel to high-net-worth clients and families.
• Conduct comprehensive coverage audits and risk assessments.
• Design customized insurance programs including excess liability, specialty coverage, and layered structures.
• Oversee renewal strategy, remarketing, and carrier negotiations.
• Maintain high retention through proactive service and annual stewardship reviews.

Carrier & Market Management

• Maintain and strengthen relationships with key private client carriers.
• Negotiate underwriting authority, pricing flexibility, and strategic placement.
• Collaborate with underwriters on complex placements and exception approvals.
• Monitor profitability and loss ratios within the Private Client portfolio.

Team Leadership & Collaboration

• Lead and mentor Private Client service brokers and support staff.
• Provide guidance on coverage wordings, endorsements, and underwriting nuances.
• Support cross-selling initiatives with Commercial Lines and Group Benefits divisions.
• Participate in executive-level planning and leadership meetings.

Operational Excellence

• Ensure all documentation and compliance requirements meet RIBO and insurer guidelines.
• Oversee proposal preparation, new applications, renewals, and endorsements.
• Maintain detailed and accurate records in Power Broker and CRM systems.
• Assist in refining workflows specific to high-net-worth servicing standards.

KNOWLEDGE / SKILLS / ABILITIES:

• Advanced knowledge of high-net-worth personal lines insurance products.
• Strong understanding of policy wordings, manuscript endorsements, and umbrella structures.
• Ability to negotiate effectively with insurers and senior underwriters.
• Strong financial acumen and understanding of portfolio profitability.
• Exceptional communication skills (written and verbal).
• High degree of professionalism and discretion when handling affluent clientele.
• Ability to lead, coach, and build a performance-driven team.
• Adept at managing multiple priorities with attention to detail.

QUALIFICATIONS:

• Minimum 7-10 years of personal lines experience, with focus on high-net-worth clients.
• Proven production history and established book of business preferred.
• RIBO License required.
• CAIB, CIP, CRM or equivalent designation preferred.
• Proficiency in Microsoft Office, Power Broker, DocuSign, Adobe Pro.
• Demonstrated leadership or management experience preferred.