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Family Risk Specialist World Insurance Associates

LLC - 2.3

West Warwick, RI Job Details Full-time $50,000 - $70,000 a year 20 hours ago Benefits Health insurance Dental insurance 401(k) Vision insurance Qualifications Business development management Customer relationship building Property & Casualty License High school diploma or GED Business development Customer relationship management Business development within finance Sales pipeline management Insurance for risk management Insurance sales Risk assessment implementation Full Job Description Description World Insurance Associates ("World") is a unique financial services organization with a global network of brokers and specialists who empower people to make informed decisions to improve their risk management outcomes, modernize their benefits programs, and help them achieve their long-term financial goals. Founded in 2011, World is one of the fastest-growing, Top 25 insurance brokers in the U.S. with nearly 3,000 employees in more than 300 offices across North America and the U.K. World specializes in personal and commercial insurance, surety and fidelity bonding, employee and executive benefits, investment advisory and retirement plan services, and payroll & HR solutions. Family Risk Specialist Position Overview The Family Risk Specialist serves as a trusted insurance advisor responsible for assessing personal risk exposures, evaluating insurance needs, and developing tailored protection strategies for individuals and families. The role combines consultative sales, risk analysis, and relationship management to help clients make informed decisions regarding the protection of their assets, liabilities, and financial well-being. The specialist manages Standard and Middle Market personal lines opportunities with a target average annual agency revenue of approximately $750 per household account. Most opportunities originate from company-generated leads, while the specialist is expected to develop additional opportunities through networking, referrals, and relationship-building activities. The role is not limited to quoting or writing a requested policy. The specialist conducts discovery conversations, identifies known and potential exposures, evaluates coverage alternatives, and exercises independent judgment in recommending comprehensive insurance solutions suited to each client's circumstances. Primary Responsibilities Client Discovery and Risk Assessment Conduct comprehensive discovery conversations to understand each client's assets, lifestyle, financial considerations, liability exposures, and insurance needs. Analyze client circumstances and risk profiles to identify coverage gaps, emerging exposures, and areas requiring additional protection. Evaluate existing insurance arrangements and determine whether the current program appropriately addresses the client's overall risk profile. Exercise independent judgment in interpreting client information and determining which risks and coverage alternatives require further evaluation. Coverage Strategy and Client Advisory Develop and recommend integrated insurance packages across home, auto, umbrella, and other applicable personal lines coverages. Package appropriate coverage at the point of sale based on the client's identified exposures and broader protection needs, with a target package rate of 50%. Explain material coverage options, limitations, tradeoffs, and potential gaps so clients can make informed decisions. Recommend additional protection options when the analysis indicates that a single requested policy would not adequately address the client's overall risk. Coordinate with carrier and underwriting partners to evaluate available solutions while retaining responsibility for the client-facing recommendation. Relationship Management and Business Development Build trusted, long-term client relationships through credible advice, responsive communication, and consistent follow-through. Manage company-generated referrals and independently develop a portion of the sales pipeline through networking, referrals, and relationship-building activities. Guide clients through the evaluation, proposal, selection, and implementation process. Professional and Operational Accountability Maintain clear documentation of discovery findings, risk considerations, recommendations, and client decisions. Use approved agency, carrier, quoting, proposal, and client-management systems to support analysis and execution. Manage assigned opportunities and priorities with limited day-to-day direction while escalating unusual or highly complex risks when appropriate. Comply with agency standards, carrier requirements, licensing obligations, and applicable regulatory requirements. Qualifications 3-5 years of personal lines insurance, consultative sales, risk advisory, financial services, or related client-facing experience. Demonstrated ability to conduct discovery conversations, assess client needs, and explain coverage options. Strong analytical, relationship-building, communication, and consultative selling skills. Ability to organize and manage a mixed pipeline of company-generated and self-developed opportunities. Ability to exercise sound judgment and make client-specific recommendations within established authority. Active Property & Casualty license required. Essential Skills/Competencies Consultative discovery Risk assessment and analysis Coverage strategy Independent judgment and decision-making Client relationship management Business development Communication and influence Professional accountability Education High school diploma or equivalent Bachelor's degree or equivalent combination of education and relevant experience preferred Compensation & Benefits At World Insurance, we believe high performance should be rewarded. As a Senior Family Risk Specialist, you'll receive a competitive compensation package that includes a base salary, commission opportunities, and a comprehensive benefits program. Benefits include medical, dental, vision, as well as a 401(k) plan with immediate vesting. The anticipated base salary range for this position is $50,000 to $70,000, determined by factors including geographic location, relevant experience, demonstrated sales success, and the ability to generate new business revenue. Equal Employment Workforce and Workplace World celebrates and supports differences amongst its employees. World knows employing a team rich in diverse thoughts, experiences, and opinions allows World's employees and World's work environments to flourish. World is honored to be an equal opportunity workplace, dedicated to equal employment opportunities regardless of race, color, ancestry, religion, sex, national orientation, age, citizenship, marital status, disability, gender identity, sexual orientation, or Veteran status. In addition, World makes reasonable accommodations to known physical or mental limitations of an otherwise qualified applicant or employee with a disability, unless the accommodation would impose an undue hardship on the operation of World's business.

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World does not accept unsolicited resumes from any agencies that have not signed a mutual service agreement. All unsolicited resumes will be considered World's property, and World will not be obligated to pay a referral fee. This includes resumes submitted directly to Hiring Managers without contacting World's Human Resources Talent Department.