Property Broker - Howden U.S.
About The Position
As a Property Broker, you will work closely with Account Executives, Producers, carrier partners, and clients to market, negotiate, and place commercial property insurance programs. You will support the placement and servicing of middle-market and large commercial property accounts while developing deep expertise in coverage analysis, carrier negotiations, and market strategy. This role provides an excellent opportunity for an insurance professional looking to expand their technical property knowledge and build a long-term broking career within a collaborative and entrepreneurial environment.
Requirements
- Active Property & Casualty insurance license.
- 3-7 years of commercial property insurance experience.
- Experience working for a retail broker, wholesale broker, carrier, MGA, or similar insurance organization.
- Strong understanding of commercial property insurance coverage concepts.
- Excellent organizational and communication skills.
- Ability to manage multiple renewals and deadlines simultaneously.
- Proficiency with Microsoft Office and agency management systems.
Nice To Haves
- Experience with middle-market or large commercial accounts.
- Exposure to layered and shared property programs.
- Familiarity with London, Bermuda, and domestic property markets.
- Professional designations such as CIC, ARM, CRM, or CPCU.
- Experience working with CAT-exposed property risks.
Responsibilities
- Develop and maintain relationships with insurance carriers, wholesalers, and specialty markets.
- Understand carrier appetites, underwriting requirements, and changing market conditions.
- Communicate regularly with underwriters to obtain terms, negotiate coverage, and secure competitive pricing.
- Assist in the development and execution of client renewal and placement strategies.
- Prepare marketing submissions and underwriting presentations.
- Review exposure schedules, valuation data, loss runs, and other underwriting information for accuracy.
- Obtain and compare quotations from multiple carriers.
- Analyze coverage terms, conditions, exclusions, and limitations.
- Negotiate pricing, coverage enhancements, and program structure on behalf of clients.
- Partner with Account Executives and Producers throughout the renewal process.
- Participate in client meetings and renewal presentations.
- Assist with policy reviews and coverage comparisons.
- Help address client questions regarding coverage and policy language.
- Support claims advocacy efforts when necessary.
- Review binders, policies, endorsements, and carrier documentation for accuracy.
- Track renewal timelines and carrier deliverables.
- Maintain detailed records within EPIC and other agency management systems.
- Stay informed regarding property market trends, CAT activity, valuation issues, and emerging coverage developments.
Benefits
- Medical, dental, and vision coverage
- Health Savings Accounts and Flexible Spending Accounts
- 401(k) retirement savings plan
- Flexible Paid Time Off
- Paid parental leave
- Life and disability insurance
- Employee assistance programs
- Professional development and licensing support
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
