SME Account Executive

Referment is working with an established independent insurance broker that advises small and medium-sized businesses on commercial risk. It is seeking an SME Account Executive to develop and manage a client portfolio, handling business from initial enquiry through placement, renewal and ongoing advice. You will work directly with prospects and clients to understand their operations and insurance needs, then present risks to insurers, evaluate market responses and recommend suitable cover. The remit combines portfolio growth with careful broking, documentation and account management. The Role

• Develop an account of SME clients against agreed growth and performance objectives.
• Gather and assess information for new business, renewals and mid-term changes.
• Prepare clear presentations and submissions for insurers and suppliers.
• Oversee the broking of risks, negotiating terms, conditions, premiums and income.
• Analyse market responses and recommend suitable insurers and products.
• Present quotations and renewal terms, explaining the scope and limitations of cover.
• Conduct client reviews and provide ongoing advice on existing policies and relevant additional products.
• Arrange cover accurately and process business in line with FCA requirements and internal procedures.
• Maintain accurate records and manage premium and fee collection issues appropriately.
• Build effective relationships with clients, prospects, insurers, loss adjusters and service providers. What We're Looking For
• Commercial insurance experience that enables you to understand SME risks and advise clients credibly.
• Confidence preparing insurer submissions, evaluating quotations and negotiating policy terms.
• The ability to explain recommendations and cover clearly to business owners.
• Strong client management across new business, renewals and mid-term changes.
• Accurate documentation and regulatory process discipline.
• A commercial approach to portfolio development and cross-referral opportunities. Desirable Experience More than three years' insurance experience and a CII Certificate in Insurance are desirable rather than mandatory. Candidates with equivalent practical commercial-broking capability should remain in scope. This could suit a Commercial Account Executive, SME Broker, Commercial Account Handler ready for greater client ownership, or a Development Executive who wants to manage placement and the ongoing client relationship.