Who are we?

Howden is a global insurance group with employee ownership at its heart. Together, we have pushed the boundaries of insurance. We are united by a shared passion and no-limits mindset, and our strength lies in our ability to collaborate as a powerful international team comprised of 24,000 employees spanning over 56 countries.

People join Howden for many different reasons, but they stay for the same one: our culture. It’s what sets us apart, and the reason our employees have been turning down headhunters for years. Whatever your priorities – work / life balance, career progression, sustainability, volunteering – you’ll find like-minded people driving change at Howden.

Title: Property Broker

Location:  Hybrid or fully remote

What is the Role?

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.

What You'll Do

Market Relationships

• 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.

Placement & Marketing

• 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.

Account Support

• 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.

Technical Responsibilities

• 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.

Qualifications

Required

• 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.

Preferred

• 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.

What do we offer in return?

A career that you define. At Howden, we value diversity – there is no one Howden type. Instead, we’re looking for individuals who share the same values as us:

• Our successes have all come from someone brave enough to try something new

• We support each other in the small everyday moments and the bigger challenges

• We are determined to make a positive difference at work and beyond

Reasonable adjustments

We're committed to providing reasonable accommodations at Howden to ensure that our positions align well with your needs.  Besides the usual adjustments such as software, IT, and office setups, we can also accommodate other changes such as flexible hours* or hybrid working*.

If you're excited by this role but have some doubts about whether it’s the right fit for you, send us your application – if your profile fits the role’s criteria, we will be in touch to assist in helping to get you set up with any reasonable adjustments you may require.

*Not all positions can accommodate changes to working hours or locations. Reach out to your Recruitment Partner if you want to know more.