Account Manager-HNW/Personal Lines

Position Summary

We are seeking an experienced and client-focused Personal Lines Account Manager to oversee and service a book of higher-revenue personal lines accounts (accounts generating $750 in annual revenue). These clients often have more complex coverage needs and value proactive guidance and white-glove service.

This role is responsible for managing the full client lifecycle — including service requests, policy reviews, remarketing/reshopping accounts, renewal strategy, and cross-selling additional lines of coverage. The ideal candidate will combine strong technical insurance knowledge with relationship-building skills and a proactive sales mindset.

Key Responsibilities

Client Service & Account Management

• Serve as the primary point of contact for a designated book of higher-value personal lines clients
• Handle all incoming service requests including policy changes, endorsements, billing questions, certificates, claims assistance, and coverage questions
• Provide consultative support and coverage guidance tailored to each client’s needs

Renewal & Retention Strategy

• Proactively review accounts prior to renewal
• Reshop accounts with carriers when appropriate to ensure competitive pricing and proper coverage
• Conduct scheduled policy review appointments (phone or in-person)
• Present renewal options and explain coverage changes clearly and confidently
• Maintain strong retention rates within assigned book

Growth & Cross-Selling

• Identify coverage gaps and cross-sell additional policies (umbrella, life, recreational vehicles, secondary homes, etc.)
• Write and close incoming personal lines leads
• Actively round out accounts to increase account revenue and client retention

Administrative & Agency Collaboration

• Maintain accurate and detailed documentation in the agency management system
• Follow agency workflows and carrier guidelines
• Collaborate with producers and leadership to support agency growth goals

Qualifications

• 3 years of personal lines insurance experience preferred
• Active Florida Property & Casualty license (required)
• Experience working with multiple carriers in an independent agency setting preferred
• Strong knowledge of homeowners, auto, umbrella, and specialty personal lines coverages
• Experience handling renewals and remarketing accounts
• Proven ability to cross-sell and round out accounts
• Proficiency in agency management systems and carrier rating platforms

Skills & Competencies

• Strong communication skills (written and verbal)
• Relationship-driven and service-oriented mindset
• Proactive and highly organized
• Detail-oriented with strong follow-through
• Comfortable discussing coverage gaps and recommending additional protection
• Ability to manage multiple priorities in a fast-paced environment
• Professional presence suitable for higher-net-worth clientele

Ideal Candidate Profile

The ideal person for this role is not just a service representative — they are a relationship manager and trusted advisor.