Senior Personal Lines Account Executive

R&A Insurance, Inc. is a professional services firm specializing in commercial and personal insurance, bonding, and risk management programs. As a client-centric organization, R&A acts as an outsourced risk management partner, helping clients minimize exposures and maximize their bottom line. The company leverages cutting-edge technology, a world-class service team, and solid relationships with competitive insurance carriers to deliver unmatched service and value.

With expertise in several niche industries, including agribusiness, R&A has built long-term partnerships with insurance carriers to offer exceptional pricing and coverage that set them apart. The company is headquartered in Hunt Valley, Maryland.

The Senior Personal Lines Account Executive is responsible for the strategic management, retention, and growth of a complex and/or high-volume book of personal lines business. This role requires advanced technical expertise, independent judgment, and a consultative approach to client service.

Serving as a trusted advisor to high-net-worth clients, the Senior Account Executive proactively identifies exposure changes, coverage gaps, and risk management opportunities while delivering exceptional service standards. In addition to client-facing responsibilities, this role provides leadership support within the Personal Lines Department through mentoring, collaboration, and market expertise.

• Independently manage and service an assigned book of personal lines accounts, including high-net-worth and complex risks, with minimal supervision.
• Serve as the primary point of contact and trusted advisor to clients, delivering proactive, solution-oriented insurance guidance.
• Lead renewal strategy and execution, including pre-renewal reviews, exposure analysis, remarketing decisions, and client presentations.
• Analyze client needs and risk tolerance; recommend appropriate coverage solutions; and educate clients on policy features, limitations, and risk alternatives.
• Proactively identify cross-sell and account-rounding opportunities to enhance coverage and strengthen client relationships.
• Prepare comprehensive and accurate submissions; negotiate pricing, terms, and conditions with carriers; evaluate coverage options; and bind coverage within agency authority.
• Maintain advanced knowledge of personal lines products, underwriting guidelines, market trends, and leverage strong carrier relationships to advocate on behalf of clients.
• Identify and pursue alternative risk placement options when coverage is unavailable in the admitted market.

• Serve as a subject-matter resource within the Personal Lines Department by providing guidance, mentoring, and technical support to Account Advisors and Account Executives, as needed.
• Collaborate with producers, leadership, and operations staff to share insights on client needs, market conditions, and carrier performance.
• Manage complex service matters, including escalated client concerns, coverage disputes, remarkets, and claims-related inquiries.
• Ensure all renewals, endorsements, policy changes, and service requests are processed accurately, timely, and in compliance with agency and carrier requirements.
• Support departmental initiatives, process improvements, and best practices.
• Perform other duties as assigned.

• Ability to operate with a high level of autonomy and accountability, exercising sound judgment within agency guidelines and insurance regulations.
• Advanced technical knowledge of personal lines insurance products, policy forms, endorsements, and coverage strategies.
• Strong analytical skills with the ability to assess complex exposures and develop comprehensive insurance solutions.
• Exceptional verbal and written communication skills, including the ability to present recommendations clearly and explain complex concepts to clients.
• Proven ability to build and maintain long-term client and carrier relationships based on trust, responsiveness, and expertise.
• Strong organizational and time-management skills, with the ability to prioritize and manage competing deadlines effectively.

• Education: Associate’s degree from a two-year college or technical school, or an equivalent combination of education and relevant experience.
• Experience: Minimum of 3–5 years of personal lines insurance experience, with demonstrated success managing a book of business independently. Senior-level or high-net-worth account experience preferred.
• Licensure: Must possess and maintain a valid Property & Casualty insurance license.
• Continuing Education / Training: Completion of all continuing education requirements as mandated by applicable statutes and regulations.