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 client relationships with a high degree of professionalism, responsiveness, and discretion.
- Strong written and verbal communication skills; comfortable presenting to sophisticated clients and internal stakeholders.
- Proficiency in Microsoft Office Suite and agency management systems; experience with Epic highly preferred.
Preferred Qualifications
- Bachelor's degree in Business, Risk Management, Finance, or a related field preferred.
- Professional designations strongly preferred: CPRIA (Chartered Private Risk and Insurance Advisor), CPCU, CAPI, CPRM, CIC, or equivalent.
- Prior experience working with UHNW clients, family offices, or within a dedicated private client/PRM practice.
- Familiarity with specialty lines including fine art, jewelry, watercraft, aviation, and excess/umbrella liability.
CORE COMPETENCIES
What We Look For
- Client Obsession — You treat every client interaction as an opportunity to exceed expectations and build loyalty.
- Technical Depth — You bring genuine expertise in HNW personal lines and can translate complex coverage concepts into clear client guidance.
- Ownership Mentality — You manage your book like a business — tracking details, anticipating renewals, and driving outcomes without waiting to be asked.
- Collaborative Spirit — You partner effectively with, advisors, insurers, and leadership to deliver seamless client experiences.
- Continuous Improvement — You actively look for ways to sharpen your skills, improve processes, and contribute to the growth of the PRM practice.
ABOUT THE BALDWIN GROUP
Why Baldwin PRM
The Baldwin Group (NASDAQ: BWIN) is a leading insurance brokerage and risk management firm committed to delivering innovative solutions for individuals, families, and businesses. Our Private Risk Management practice serves high-net-worth and ultra-high-net-worth clients with a concierge-level approach to personal risk — backed by deep carrier relationships, market expertise, and a team that genuinely cares about client outcomes.
Baldwin offers a collaborative, growth-oriented environment where colleagues are empowered to build meaningful careers while making a real impact for the clients they serve.
The starting pay is $85,000 salary. Salary is negotiable upon time of offer.
Click here for some insight into our culture!
The Baldwin Group will not accept unsolicited resumes from any source other than directly from a candidate who applies on our career site. Any unsolicited resumes sent to The Baldwin Group, including unsolicited resumes sent via any source from an Agency, will not be considered and are not subject to any fees for any placement resulting from the receipt of an unsolicited resume.
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