Contract Risk Jobs in Torrington, CT (NOW HIRING)

Work Arrangement: This full-time sales role is designed to maximize time in the market building relationships, prospecting, meeting with clients, and developing new business opportunities. Regular presence in office is expected to support collaboration, training, team engagement, and internal relationship-building. Work location and scheduling will vary based on client, prospect, and business needs.

As a Risk Advisor in our Private Client Group, you’ll be responsible for building and growing a portfolio of business, while offering best in class risk management advice to successful individuals and family offices, while working with advisors in the high net worth and ultra-high net worth community. Our ideal candidate will be an experienced high net worth advisor and familiar with specialty carriers like PURE, Chubb, Berkley One, Cincinnati, etc. In this role, you'll provide bespoke insurance and risk management strategies through a lens of hospitality and discretion, ensuring every client interaction reflects the elevated service standards our Private Client Group is known for. 

Responsibilities 

• Responsible for growing and retaining a profitable and well-rounded book of high-net-worth clients.
• Achieve objectives and sales goals established in annual business plan.
• Prospect for new business with key centers of influence.
• Develop and present coverage recommendations, renewal strategies, and high-touch stewardship plans tailored to client priorities.
• Strategize, educate, and counsel clients and prospects with a commitment to helping them mitigate risk and navigate through insurance product choices.
• Understand the affluent/high net worth client lifestyle, risk exposures, and insurance contracts to offer proper consultation and solutions as a trusted advisor.
• Work effectively with teammates and all applicable stakeholders to deliver on our be sure promise. 
• Commitment to continuous learning, improving processes, and team development.
• Review, update, and contribute to processes improvement and workflow design as assigned/needed.
• Take on projects and other work as assigned.
• Stay current on industry trends, products, and regulatory changes. 
• Utilize the agency management system for daily activities, documentation, and assigned tasks.
• Engage in ongoing professional development and training to strengthen skills, knowledge, and effectiveness. 
• Help develop processes and workflows as needed.
• Ensure compliance with agency processes, confidentiality standards, and quality metrics. 
• Work on projects and other work as assigned.
• Effectively use MS Office, standard office applications, and other technologies.
• Skillfully use AI tools (Copilot, ChatGPT, etc.) to aid work and efficiency. 
• Work effectively with all team members, provide backup support, and contribute to team collaboration. 
• Demonstrate alignment with our purpose, values, and culture. 

Desired Skills

• Commitment to continuous improvement and team development. 
• Knowledge of risk management, insurance products, market dynamics, and consultative sales. 
• Ability to meet goals and objectives. 
• Exceptional communication, collaboration, interpersonal, and conflict resolution skills. 
• Exceptional ability to research, problem-solve, and be organized. 
• Ease working independently in a dynamic environment, while contributing to a collaborative team culture. 
• A client-first mindset rooted in discretion, responsiveness, and partnership. 
• Ability to build trust and serve as a family confidant for clients. 
• Prior experience in prospecting, building a pipeline, closing new business, and retaining clients. 
• Proven experience working with high-net-worth carriers, underwriting, marketing, and service teams.
• Stay relevant/ahead on industry insights and familiarity with complex insurance programs. 
• Ability to manage multiple priorities in a fast-paced environment. 
• Strong MS Office skills, experience with agency management systems, and carrier platforms.
• Proficiency with AI tools, AI-assisted workflows, and ability to learn new/future technologies and tools.
• Committed to continuous learning and professional development. 
• Collaborative team player who contributes to a positive team culture through actions and behaviors. 
• Self-motivated, strong work ethic, adaptable, and resilient. 
• Team player who consistently defaults to good.

Qualifications

• 5+ years of experience in high-net-worth personal lines sales with an active network serving this client segment preferred.
• Active Property & Casualty license in good standing. 
• Experience and familiarity with leading specialty insurance Carriers such as Chubb, AIG, PURE, etc. 
• High School diploma required, College Degree Preferred; equivalent professional experience considered. 

General Working Conditions 

• Dynamic environment with frequent communication via in person, video, email, and phone. 
• Offsite client, network, and prospect meetings require non-standard normal working hours – expect evening events and travel as normal course of business.
• Ability to view computer monitors for extended periods of time.
• Culture rooted in collaboration, integrity, trust, respect, creativity, and fun.

Compensation
This is a commission-based role. A draw may be provided during the initial validation period. Total compensation can range from $50,000 to $200,000+ based on performance. Actual compensation will vary based on production and may also consider experience, skills, training, location, certifications, and education. The stated range reflects the Company's good-faith estimate of potential earnings at the time of posting.

Eligible employees may participate in comprehensive benefit programs, including medical and dental insurance, a 401K plan, paid time off, and licensing, and continuing education reimbursement.

Must be authorized to work in the United States on a full-time basis without Company sponsorship.

Smith Brothers Insurance, LLC is an equal opportunity employer. All qualified applicants will receive consideration without regard to race, color, religion, gender, affectional or sexual orientation, gender identity or expression, national origin, ancestry, nationality, age, disability, marital or domestic partnership or Civil Union status, pregnancy, family medical history or genetic information, atypical cellular or blood trait, military service or any other status protected by law.

This job description is only a summary of the typical functions of the job, not an exhaustive or comprehensive list of all possible responsibilities, tasks, and duties. Duties, responsibilities, and activities may change at any time with or without notice, based on business needs. This description does not constitute a contract of employment, and we reserve the right to revise the job description and/or require other tasks be performed as circumstances change.

About Smith Brothers 

Smith Brothers Insurance is a Top 100 National Broker with over 50 years of being independently operated. We are multi-disciplined with expertise in Commercial Lines, Personal Lines, Employee Benefits, Surety, Group Retirement Plans including 401(k) and 403(b) Plans, Risk Management, and Financial Services.