Property Insurance Broker

IMA Financial Group•Denver, CO

12d•Hybrid

About The Position

The Property Insurance Broker is responsible for structuring, marketing, and placing commercial property programs for mid-market and large accounts, including shared and layered towers. Working alongside senior brokers and analysts, this role owns the technical execution of the placement lifecycle — from submission development and market negotiation to binding, policy checking, and delivery — while building direct relationships across the US, London, Bermuda, E&S markets.

Requirements

6+ years of commercial property brokerage, wholesale, or property underwriting experience.
Active P&C license
Demonstrated experience placing large property programs, including shared and layered structures.
Working knowledge of carrier and broker policy forms and manuscript wording.
Direct working experience with US, London, Bermuda, and E&S markets; exposure to reinsurance placements.
Familiarity with RMS and AIR catastrophe modeling and the ability to interpret output for program decisions.

Nice To Haves

Technical broking accuracy and attention to detail (E&O discipline).
Negotiation and market relationship management.
Client-ready written and verbal communication.
Time management across concurrent renewals and deadlines.

Responsibilities

Structure and place commercial property programs, including single-carrier, quota-share, shared / layered, for real estate, hospitality, industrial, manufacturing or municipal accounts.
Develop complete market submissions: SOV preparation and scrubbing, exposure narratives, loss overview, coverage specifications and policy forms.
Market and negotiate terms directly with US domestic carriers, London and Bermuda markets, E&S / wholesale markets, and reinsurance markets as appropriate.
Analyze and compare carrier and broker (manuscript) policy forms, identifying coverage gaps, non-concurrency, and differences in conditions across a layered program.
Run and interpret catastrophe modeling output (RMS / Moody's and AIR / Verisk) to inform program structure, retentions, limits, and pricing strategy.
Build and present program options, pricing, and quote comparisons to account teams and clients.
Manage the binding process, policy issuance against quoted terms, and resolve discrepancies to reduce E&O exposure.
Contribute to renewal strategy, supplemental information requests, and carrier question responses on assigned accounts.