Property Insurance Broker

Socket.dev; Denver (CO); On-site; USD 75,000 - 150,000; Full time

Benefits offered by this job

Annual bonus

Stock purchase

Medical plans

Dental

Vision

401(k)

Life/AD&D

Paid time off

Flexible work options

Job summary

The IMA Financial Group, Inc. is seeking a seasoned Property Insurance Broker to structure, market, and place large commercial property programs across the US, including multi-market towers.

You will own the placement lifecycle, from submission to binding, while developing direct relationships across US, London, Bermuda, and E&S markets. Working with senior brokers and analysts, you will analyze policy forms, run catastrophe modeling outputs, negotiate terms, and present program options and

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.
• 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.

Responsibilities

• Structure and place commercial property programs, including single-carrier, quota-share, shared / layered, for diverse accounts.
• Develop complete market submissions: SOV prep, exposure narratives, loss overview, coverage specs.
• Market and negotiate terms with US, London, Bermuda, and E&S markets; leverage reinsurance where needed.
• Analyze and compare carrier and broker forms; identify coverage gaps and non-concurrence in layered programs.
• Run catastrophe modeling outputs (RMS, Moody's, AIR, Verisk) to inform structure, retentions, and pricing.
• Build and present program options, pricing, and quote comparisons to account teams and clients.
• Manage binding, issue policies, and resolve discrepancies to reduce E&O exposure.
• Contribute to renewal strategy and carrier responses on assigned accounts.

Skills

Commercial property brokerage

Active P&C license

Large property programs

US/London/Bermuda markets

RMS/AIR/Verisk modeling

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

• Business Insurance Magazine – Best Places to Work in Insurance
• US Insurance Awards – Community Outreach Project of the Year
• U.S. Chamber of Commerce Citizen Awards – Best Corporate Steward finalist
• Inc. Magazine Best Workplaces
• Inc. 5000 – List of Fastest Growing Companies
• Alaska Journal of Commerce – Best Workplaces in Alaska
• Charlotte Business Journal – Best Places to Work
• Civic 50 Colorado Honoree Recognizing 50 Most Community-Minded Companies
• Connecticut Top Workplaces
• Dallas Business Journal – Best Places to Work
• Denver Business Journal – Best Places to Work
• Denver Business Journal – Fast 50
• Kansas City Business Journal – Best Places to Work
• Los Angeles Business Journal – Best Places to Work
• Puget Sound Business Journal – Washington’s Best Workplaces
• Tampa Bay Times – Best Workplaces
• The Salt Lake City Tribune Top Workplaces
• Utah Business – Best Places to Work
• Wichita Business Journal – Best Places to Work

This Job Description is not a complete statement of all duties and responsibilities comprising this position.

The IMA Financial Group, Inc. provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability or genetics. In addition to federal law requirements, The IMA Financial Group, Inc. complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities.