Insurance Broker Job Description
Hire an experienced Insurance Broker to advise clients, place cover across multiple markets and grow your book of business. This template helps you define responsibilities, regulatory expectations and the commercial skills brokers need to succeed.
What does a Insurance Broker professional do?
An Insurance Broker sources and negotiates insurance cover for clients, provides risk advice and manages policy placement, renewals and claims support while working within FCA-regulated requirements.
Insurance Broker job description template
Use this employer-ready example as a starting point, then replace the placeholders and adjust the content so it accurately reflects your vacancy.
Insurance Broker
About the role
[Company Name] is looking for an experienced Insurance Broker to join our [Location] office. You will advise and place insurance policies for retail and/or commercial clients, manage renewals and claims liaison, and develop long-term client relationships. The role includes a mix of advisory work and new business generation; commission and bonus structures will be offered. [Insert any essential qualification or regulatory detail].
Key responsibilities
- Develop and maintain relationships with clients to understand their insurance needs and risk exposures
- Obtain and analyse client risk information, prepare risk presentations and recommend suitable products
- Source, negotiate and place cover with insurers and underwriting agencies to achieve competitive terms
- Prepare accurate quotations, policy documentation and renewal terms; ensure timely processing
- Manage policy renewals and cross-sell additional products to appropriate clients
- Provide first-line support for claims, liaise with insurers and clients, and coordinate claims progression
- Maintain accurate client records and compliance files in the broker management system
- Meet personal and team sales targets while supporting wider business development activities
Essential skills and experience
- Practical experience working as an insurance broker, account handler or in commercial/personal lines placement
- Strong technical knowledge of the insurance products relevant to the role (e.g. commercial, property, liability, motor, household)
- Proven client-facing and negotiation skills with demonstrable evidence of placing business
- Ability to work within an FCA-regulated environment and meet fit-and-proper standards
- Right to work in the UK and eligibility to undertake required compliance checks
- Good IT literacy, including broker/CRM systems and standard office software
- Clear communication skills and professional conduct when dealing with clients and insurers
Desirable
- CII qualifications (Cert/Diploma) or active study towards CII modules
- Experience with specific lines such as commercial property, construction, fleet or professional indemnity
- Existing insurer/underwriter contacts and a demonstrable book or lead-generation track record
- Familiarity with policy wordings, endorsements and claims handling processes
- Sales accreditation or formal training in negotiation and business development
- Multi-lingual skills where relevant to the client base
What we offer
- Competitive base salary + commission / bonus (placeholder)
- Contributory pension scheme (placeholder)
- Support for CII qualifications and continued professional development (placeholder)
- Private medical / health cash plan (placeholder)
- Flexible / hybrid working options (placeholder)
- Generous annual leave allowance (placeholder)
How to apply
Apply with your CV and any additional information requested. Make the interview process, closing date and any assessment stages clear where known.
Use this as a starting point rather than a final advert. The strongest version will reflect the real role, salary, location, systems, responsibilities, benefits and working arrangements.
What is an Insurance Broker role?
An Insurance Broker works directly with clients to assess risks and place insurance cover across relevant markets. Brokers negotiate with insurers to secure terms, manage renewals and support clients through the claims process. The role combines technical product knowledge, sales and client-administration skills and requires working within the regulatory framework that governs UK insurance distribution.
Client Relationships
Primary focus on advising clients, building trust and retaining long‑term business.
Regulated Activity
Work takes place inside an FCA-regulated environment with compliance and record-keeping obligations.
Commercial & Technical
Requires product knowledge, placement skills and commercial negotiation with insurers.
Revenue & Targets
Role often includes measurable sales targets and commission or bonus elements.
Typical Insurance Broker responsibilities
Responsibilities should reflect the real scope of the vacancy rather than every task someone in this profession might ever complete.
Develop
Develop and maintain relationships with clients to understand their insurance needs and risk exposures
Obtain
Obtain and analyse client risk information, prepare risk presentations and recommend suitable products
Source
Source, negotiate and place cover with insurers and underwriting agencies to achieve competitive terms
Prepare accurate quotations
Prepare accurate quotations, policy documentation and renewal terms; ensure timely processing
Manage policy renewals
Manage policy renewals and cross-sell additional products to appropriate clients
Provide first-line support for claims
Provide first-line support for claims, liaise with insurers and clients, and coordinate claims progression
Maintain accurate client records
Maintain accurate client records and compliance files in the broker management system
Meet personal
Meet personal and team sales targets while supporting wider business development activities
Insurance Broker skills and experience to look for
Keep the essential list focused on what the person really needs to perform the role. Move useful-but-trainable experience into desirable criteria.
Usually worth prioritising
- Practical experience working as an insurance broker, account handler or in commercial/personal lines placement
- Strong technical knowledge of the insurance products relevant to the role (e.g. commercial, property, liability, motor, household)
- Proven client-facing and negotiation skills with demonstrable evidence of placing business
- Ability to work within an FCA-regulated environment and meet fit-and-proper standards
- Right to work in the UK and eligibility to undertake required compliance checks
- Good IT literacy, including broker/CRM systems and standard office software
- Clear communication skills and professional conduct when dealing with clients and insurers
Useful where relevant
- CII qualifications (Cert/Diploma) or active study towards CII modules
- Experience with specific lines such as commercial property, construction, fleet or professional indemnity
- Existing insurer/underwriter contacts and a demonstrable book or lead-generation track record
- Familiarity with policy wordings, endorsements and claims handling processes
- Sales accreditation or formal training in negotiation and business development
- Multi-lingual skills where relevant to the client base
See our guide to what to include in a job advert before publishing.
How to write a Insurance Broker job advert
Small role-specific details can make the advert much easier for suitable candidates to assess.
Specify the lines of business
State clearly whether you need commercial, personal lines, specialist sectors or a mix — candidates filter by specialism.
Be transparent about earnings
Outline whether pay is salary-only, salary + commission, or OTE expectations, and mention how commission is calculated at a high level.
Set out regulatory expectations
Confirm FCA-related checks, any required qualifications or disclosures and the firm supervision structure to reassure candidates.
Highlight development and support
Detail training, qualification support and career progression to attract candidates looking to grow professionally.
Describe client mix and lead generation
Explain whether leads are provided, how new business is sourced, and typical client sizes to set realistic expectations.
Insurance Broker salary considerations
Salaries for Insurance Brokers vary widely. Rather than a single market figure, consider the main factors that determine pay and ensure advertised compensation reflects the role's responsibilities and expected earnings mix.
depending on experience
- Use a genuine range
- Separate variable pay
- Avoid “competitive” alone
- Match salary to seniority
What Insurance Broker candidates will want to know
Practical details can influence whether a suitable candidate applies, even when the title and salary are attractive.
What is the OTE / commission structure?
Candidates will want clear information on base salary versus variable pay, how commission is earned and typical on-target earnings.
What types of clients will I handle?
State whether the role covers personal, SME, commercial or specialist sectors and whether leads are supplied.
How is compliance and supervision organised?
Experienced applicants expect to know about FCA oversight, supervision, and who holds oversight for the desk.
Is there support for qualifications and training?
Candidates want to know if the employer funds CII study, CPD and other technical development.
What are the typical working hours and hybrid options?
Clarify expected office presence, remote working flexibility and travel to client sites or insurers.
Will I bring an existing client book or receive leads?
Make clear whether new business is expected to be self‑sourced or if the firm provides marketing and leads.
Where to post a Insurance Broker job
For Insurance Broker roles, use a mix of broad UK job boards and specialist insurance or financial services platforms to reach both generalist and technical candidates. Target professional networks such as LinkedIn and industry communities (for example CII-related forums), plus regional channels if you need local presence; specialist recruitment agencies can help fill senior or niche vacancies.
Insurance Broker job description FAQs
Do individual brokers need FCA registration?
Individuals are not 'registered' with the FCA in the same way firms are. Employers must ensure staff meet FCA fit-and-proper standards and that brokers operate under an FCA-authorised firm or appointed representative structure.
Should I insist on CII qualifications?
CII qualifications are valuable and often desirable, but you can balance academic credentials with practical placement and sales experience. Consider offering study support rather than making qualifications mandatory for mid-level roles.
How can I assess technical ability in interviews?
Use scenario-based questions or a short case exercise that asks candidates to assess risk, recommend cover and explain placement rationale. Review previous placement examples and insurer contacts.
What commission structure attracts experienced brokers?
Transparent structures with realistic targets, clear commission rates and timely payment are essential. Consider graduated commission, renewal overrides and bonuses for new business to reward performance.
How long does recruitment typically take?
Recruitment times vary by seniority and specialism; expect 4–8 weeks for mid-level hires and longer for niche senior roles. Allow extra time for reference checks and FCA-related vetting.
What compliance checks are required before start?
Standard checks include right-to-work, employment references, criminal record checks where appropriate, and identity verification to meet FCA requirements. Document retention and evidence of fit-and-proper assessments are also necessary.
Ready to advertise this role?
Use the advert copy above to create a clear vacancy and distribute it across targeted job boards and industry channels, or contact a specialist recruiter if you need help reaching senior or specialist broker candidates.
