Commercial Account Handler

Howden Group; Rishton; On-site; GBP 28,000 - 50,000; Full time

Benefits offered by this job

22 days holiday (plus bank holidays)

Life Assurance up to 4x salary

Income protection

Contributory pension scheme 4%/5%

Healthcare Cashplan

Gym discounts

Salary sacrifice schemes

Discounted personal health policies

Job summary

Howden Group is seeking a Commercial Account Handler to join our Consumer & Local Commercial team in the UK. You will build and maintain relationships with existing clients, review insurance needs, and proactively attract new business while delivering exceptional service to support retention targets.

You will manage client records in Acturis, prepare accurate documentation, and coordinate renewal strategies across our insurer panel.

Qualifications

• Proven ability to self-generate business
• Strong relationship-building skills focused on retention
• Excellent communication and negotiation abilities
• Proficiency in using Computers
• Detail-oriented with accuracy in documentation
• Ability to work collaboratively within a team
• Strategic thinking with renewal strategies and retention targets
• Commitment to ongoing professional development and regulatory compliance

Responsibilities

• Develop and execute ways to self-generate new business and maximise opportunities within insurer panel.
• Maintain meticulous records of client interactions, correspondence, and documentation on Acturis, utilising the diary system effectively.
• Produce accurate and professional documentation consistently, adhering to Howden standards.
• Process adjustments promptly, ensuring notification to insurers, issuing revised documentation, and managing additional or return premium collection and refund.
• Actively cross-sell products from other Divisions, enhancing client value and deepening business relationships by collaborating with other branches and Group Resources as necessary to provide comprehensive service.
• Establish and manage a tailored renewal strategy for each client, aligning with the division's procedures and goals to optimise renewal success.
• Ensure clients are correctly and adequately insured, providing expert advice to address all insurance exposures.
• Support the Division in achieving targets through proactive client engagement
• Maintain professional competence by adhering to Howden Training and Competence procedures.
• Seek and respond to client feedback, continuously improving service quality.
• Conduct market exercises to secure the most appropriate cover for the clients needs and at competitive terms.
• Present renewal terms to clients with clarity and precision, ensuring contract certainty.
• Guarantee premium collection prior to cover commencement, following Howden procedures.

Skills

Self-generation

Relationship building

Communication

Negotiation

Computers

Detail-oriented

Teamwork

Renewal strategy

Regulatory compliance

Tools

Acturis

Job description

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.

With a no limits approach, we can rise to any challenge. Whatever the question, the concern, or the risk, we can get the right people in a room and find the right answer. Our collective power is also helping us to change the insurance narrative – doing right by our clients while using insurance as a tool to build resilience for individuals, businesses and communities.

We are actively looking for a Commercial Account Handler to join our Howden Consumer & Local Commercial team. Our local Commercial team have grown rapidly over the last 14 years’, and we now have over 200 people within the team across the UK. As a Commercial Account Handler, you will be responsible for building and maintaining relationships with existing clients, actively reviewing client’s insurance needs to enhance protection for their businesses, while also proactively acquiring new clients. This role is pivotal in achieving the Branch/Groups client retention targets through exceptional service and resource available throughout the Howden Group.

Key Responsibilities

• Develop and execute ways to self-generate new business and maximise opportunities within our insurer panel.

• Maintain meticulous records of client interactions, correspondence, and documentation on Acturis, utilising the diary system effectively.

• Produce accurate and professional documentation consistently, adhering to Howden standards.

• Process adjustments promptly, ensuring notification to insurers, issuing revised documentation, and managing additional or return premium collection and refund.

• Actively cross-sell products from other Divisions, enhancing client value and deepening business relationships by collaborating with other branches and Group Resources as necessary to provide comprehensive service.

• Establish and manage a tailored renewal strategy for each client, aligning with the division's procedures and goals to optimise renewal success.

• Ensure clients are correctly and adequately insured, providing expert advice to address all insurance exposures.

• Support the Division in achieving targets through proactive client engagement

• Maintain professional competence by adhering to Howden Training and Competence procedures.

• Seek and respond to client feedback, continuously improving service quality.

• Conduct market exercises to secure the most appropriate cover for the clients needs and at competitive terms.

• Present renewal terms to clients with clarity and precision, ensuring contract certainty.

• Guarantee premium collection prior to cover commencement, following Howden procedures.

Skills & Competencies

• Proven ability to self-generate business and identify new opportunities.

• Strong relationship-building skills, with a focus on client retention and satisfaction.

• Excellent communication and negotiation abilities.

• Proficiency in using Computers

• Detail-oriented with a commitment to accuracy and professionalism in documentation.

• Ability to work collaboratively within a team and with various areas of the business.

• Strategic thinking with a focus on renewal strategies and retention targets.

• Commitment to ongoing professional development and compliance with regulatory standards.

Rewards

We believe that great work and dedication should be rewarded, that’s why we offer:

• 22 days holiday (plus bank holidays), increasing through length of service

• A set of core benefits, designed with your health and financial protection in mind:

  Life Assurance up to 4x salary, protecting your loved ones in case the worst should happen

  Income protection, guaranteeing an income for up to 5 years in the event of an illness or injury

  Contributory pension scheme – 4% employer contribution and 5% employee contribution, rising to 5% & 5% in April 2025

  Access to a Healthcare Cashplan, which gives you access to a variety of health related benefits

• Access to a host of lifestyle and financial benefits that you can choose from:

  Discounts on gym membership across the UK

  Salary sacrifice schemes – Travel Insurance, Cycle to Work, Car leasing, Technology purchase

  Access to discounted personal health policies – Critical illness, private medical, dental plans

  A range of insurance products available commission free, including home, motor, travel and specialist vehicles

  Access to hundreds of high-street retailer discounts

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.

Permanent