Property Broker - Howden U.S.

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 BrokerLocation:  Hybrid or fully remoteWhat 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 DoMarket RelationshipsDevelop 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 & MarketingAssist 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 SupportPartner 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 ResponsibilitiesReview 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.QualificationsRequiredActive 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.PreferredExperience 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.Compensation and BenefitsThe expected base salary range for this position is $75,000 - $140,000, depending upon experience, qualifications, and geographic location.In addition to a competitive base salary, employees may be eligible for discretionary bonus opportunities and comprehensive benefits, including:Medical, dental, and vision coverageHealth Savings Accounts and Flexible Spending Accounts401(k) retirement savings planFlexible Paid Time OffPaid parental leaveLife and disability insuranceEmployee assistance programsProfessional development and licensing supportWhat Do We Offer in Return?A career that you define.At Howden, we support our people in building careers that align with their personal and professional ambitions. Whether you're focused on deepening technical expertise, leading client relationships, developing new specialties, or mentoring the next generation of insurance professionals, you'll be supported every step of the way.Our Sustainability PromiseWe're committed to building a more sustainable business through responsible growth, support for our communities, and a culture that empowers our people to make a positive impact.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 newWe supp