Property Insurance Broker

imafinancialgroup

Denver (CO)

On-site

USD 75,000 - 150,000

Full time

8 days ago

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Benefits offered by this job

Annual Performance Bonus

Stock Purchase

Medical Plans

Prescription Drugs

Dental

Vision

Family Assistance Program

FSA

HSA

Pre-Tax Parking Plan

401(k)

Life/AD&D

Accident

Critical Illness

Hospital Indemnity

Long Term Care

Short-term Disability

Long-term Disability

Business Travel Accident

Identity Theft

Paid Time Off

Flexible Work Options

Paid Holidays

Sabbatical

Gift Matching

Well-Being Stipend

Personal and Professional Development

Job summary

IMA Financial Group is seeking a Property Insurance Broker to structure, market, and place commercial property programs for mid-market and large accounts across the US, London, Bermuda, and E&S markets. You will handle submission development, market negotiations, binding, and delivery, while maintaining direct client relationships.

You will work with senior brokers and analysts to optimize program design, including layered structures, and to interpret RMS/AIR outputs for pricing and retention

Qualifications

6+ years of commercial property brokerage, wholesale, or underwriting experience.
Active P&C license is required.
Experience placing large property programs, including shared and layered structures.
Familiarity with RMS/AIR catastrophe modeling and related outputs.

Responsibilities

Structure and place commercial property programs for various accounts.
Develop market submissions with SOV, exposure narratives, and coverage specifications.
Negotiate terms with US, London, Bermuda, and E&S/wholesale markets; engage reinsurers as needed.
Analyze policy forms for gaps, non-concurrency, and differences in conditions in layered programs.
Interpret catastrophe model outputs to inform structure, retentions, limits, and pricing.
Present program options, pricing, and quotes to account teams and clients.
Manage the binding, issuance, and resolution of discrepancies to reduce E&O exposure.
Contribute to renewal strategy and respond to carrier information requests.

Skills

Commercial property brokerage

P&C license

Large property programs

US London Bermuda markets

RMS/AIR catastrophe modeling

Tools

RMS

AIR

Job description

Position Summary

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.

Key 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.

Required Qualifications

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.

Core Competencies

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.

The anticipated posting timeline for this opportunity is 09/04/2026-10/04/2026.

Salary Range

$75,000 - $150,000 USD

Compensation & Benefits

Being a part of IMA has its benefits. When you become part of the IMA family, you become eligible to take part in our valuable benefits and rewards package designed to benefit you, your family, and your life. Our plans are cost-effective, convenient and provide progressive ways for staying healthy, protecting loved ones, pursuing financial security and living a full and balanced life. This role is eligible for the following:

Annual Performance Bonus
Stock Purchase
Medical Plans
Prescription Drugs
Dental
Vision
Family Assistance Program
FSA
HSA
Pre-Tax Parking Plan
401(k)
Life/AD&D
Accident
Critical Illness
Hospital Indemnity
Long Term Care
Short-term Disability
Long-term Disability
Business Travel Accident
Identity Theft
Paid Time Off
Flexible Work Options
Paid Holidays
Sabbatical
Gift Matching
Well-Being Stipend
Personal and Professional Development.

In addition to our robust benefits package, the final offer amounts will depend on a variety of factors, including the candidate's geographic location, prior relevant experience, and their knowledge, skills, and abilities.

*These benefits do not apply to internship roles.

Why Join IMA?

We've built a reputation for putting our associates first

What if we told you that you could be an integral part of an entrepreneurial, expanding company, develop lasting relationships, earn competitive benefits, plus claim part ownership? It's this unique ownership business model that makes working at IMA so appealing.

We work in teams. We sell in teams. We win and prosper as a team

We provide support systems and resources that enable each of our associates to focus on what they do best. And as an independent company based in the Midwest, we're big enough to write business all over the world and small enough to implement your ideas quickly.

We are recognized nationally as a leader in our industry