Commercial Account Handler

Andy File Associates Ltd; Manchester; On-site; GBP 30,000 - 35,000; Full time

Benefits offered by this job

Uncapped commission

25 days annual leave

Fully remote role

Workplace pension

Support for professional development

Direct access to Commercial Director

Ownership of portfolio

Job summary

Andy File Associates Ltd is partnering with a growing commercial insurance broker to recruit a Commercial Account Handler for a fully remote, home-based role.

You will manage a portfolio of commercial clients, handling renewals, mid-term adjustments and day-to-day inquiries while coordinating with insurers and underwriters to secure the right cover. There is strong potential for business development and growth.

Qualifications

• Three years’ commercial insurance broking or account handling experience.
• Experience managing commercial renewals and mid-term adjustments.
• Knowledge of commercial insurance products and placement processes.
• Experience obtaining quotations and negotiating with insurers.
• Ability to review policy cover and terms, not just premiums.
• Strong communication, organisation and diary management.

Responsibilities

• Manage a portfolio of commercial insurance clients with high service standards.
• Oversee full renewal process from reviews to quotations and policy inception.
• Handle mid-term adjustments and day-to-day client queries.
• Review changing business activities for gaps in cover or underinsurance.
• Obtain, compare and negotiate quotations from insurers.
• Prepare underwriting submissions and liaise with insurers and underwriters.
• Handle new business enquiries from fact-find to placement.
• Identify opportunities to win new clients and cross-sell.
• Maintain accurate client records and renewal diaries.
• Work with FCA requirements and compliance procedures.

Skills

Commercial insurance knowledge

Account handling

Renewals

New business development

Quotations negotiation

Client servicing

Diary management

Interpersonal communication

Education

Cert CII (or progress towards)

Tools

Acturis

Insurer extranets

Job description

Commercial Account Handler

Salary: £30,000–£35,000 per annum, depending on experience
Location: Fully Remote / Home-Based
Contract: Full-Time, Permanent
Holiday: 25 days plus UK Bank Holidays

The Role

Our client is a growing commercial insurance brokerage looking to recruit an experienced Commercial Account Handler to join their business on a fully remote basis.

You will manage a portfolio of commercial clients, overseeing renewals, mid-term adjustments and day-to-day enquiries while working directly with insurers and underwriters to secure appropriate cover.

Alongside account management, you will play an important role in developing the business by identifying opportunities to win new clients, cross-sell additional insurance products and strengthen existing relationships to support renewals and client retention.

Working closely with the Commercial Director, you will receive support as you become familiar with the portfolio and processes, with the opportunity to develop greater autonomy and responsibility as the business grows.

Key Responsibilities

• Manage a portfolio of commercial insurance clients, providing a high standard of service and acting as their main point of contact.
• Manage the full renewal process, from client reviews and gathering information through to quotations, placement and policy inception.
• Handle mid-term adjustments, policy amendments and day-to-day client enquiries.
• Review clients’ changing business activities and risk exposures, identifying potential gaps in cover or areas of underinsurance.
• Obtain, negotiate and compare quotations from insurers, reviewing premiums, cover levels, limits, excesses, endorsements and policy conditions.
• Prepare underwriting submissions and liaise directly with insurers and underwriters.
• Handle new business enquiries from initial fact-find through to placement.
• Identify opportunities to win new clients, cross-sell additional cover and develop existing accounts to support business growth and retention.
• Maintain accurate client records, renewal diaries and policy documentation.
• Work in accordance with FCA requirements and relevant compliance procedures.

About the Business

Our client provides commercial insurance advice to businesses across a range of sectors, with access to a broad UK insurance market.

The portfolio includes:

• Commercial Combined
• Employers’, Public and Products Liability
• Property Owners
• Professional Indemnity
• Directors’ and Officers’ Insurance
• Cyber Insurance
• Contractors and Construction
• Commercial Motor and Fleet
• Business Interruption and other specialist commercial risks

You will not need to be an expert in every class of business, but you should have a sound grounding in commercial insurance, the ability to assess different risks and the judgement to recognise when additional technical support is required.

About You

You will have recent experience within a commercial insurance broking environment and be confident dealing directly with clients and insurers.

Ideally, you will have:

• At least three years’ commercial insurance broking or account handling experience.
• Experience managing commercial renewals, mid-term adjustments and client servicing.
• Knowledge of a range of commercial insurance products and the placement process.
• Experience obtaining quotations and negotiating with insurers and underwriters.
• The ability to review policy cover and terms, rather than focusing on premium alone.
• Strong communication, organisation and diary management skills.
• The ability to manage your workload independently and take ownership of client matters.
• A client-focused, commercially minded approach with strong attention to detail.
• The confidence to identify business development opportunities, including new client wins, cross-selling and supporting renewals and retention.

Experience within an insurance network or Appointed Representative environment would be advantageous but is not essential.

Systems and Qualifications

• Acturis experience would be beneficial, although training can be provided.
• Familiarity with insurer extranets and commercial insurance trading platforms is desirable.
• Cert CII, or progress towards professional insurance qualifications, would be advantageous.

Support is available for relevant qualifications and continued professional development.

What’s on Offer?

• £30,000–£35,000 basic salary, depending on experience.
• Uncapped commission on qualifying personally generated new business.
• Annual discretionary performance bonus of up to 5% of basic salary.
• 25 days’ annual leave plus UK Bank Holidays.
• Fully remote, home-based working.
• Workplace pension.
• Support towards professional qualifications and ongoing development.
• Direct access to the Commercial Director and a broad range of UK insurance markets.
• The opportunity to take ownership of a varied commercial client portfolio and help shape the growth of an expanding brokerage.

Career Development

This is an opportunity to join a growing business at an early stage, with scope to develop into senior account handling, broking, account executive responsibilities, managing larger and more complex clients, developing insurer relationships or future team leadership as the business expands.

If you have commercial insurance account handling experience and are looking for a fully remote role offering variety, autonomy, uncapped commission potential and long-term career development, we would be keen to hear from you.