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 chance 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 AccidentIdentity 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.

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📌 Property Insurance Broker (Ontario)
🏢 IMA Financial Group
📍 Ontario