Senior Broker – Contractors' All Risks (CAR)

UK Property Developers & Contractors

Location: West End, London

Reporting to: CEO

Contract: Full-Time

Salary: £100,000+

The Role

We are seeking an experienced Senior CAR Broker to lead and build the Contractors' All Risks insurance offering for a portfolio of UK property developers and contractors. This is a senior, client-facing role suited to a broker with strong technical construction insurance knowledge who is ready to own key client relationships, lead complex placements in the Lloyd's and London Market, and grow the construction book from scratch,

The successful candidate will manage new business development across a range of construction projects from residential developments and mixed-use schemes to larger commercial and infrastructure contracts while delivering a high standard of client service and technical advice.

Key Responsibilities

• Lead the broking and placement of CAR insurance programmes for UK property developer and contractor clients, negotiating terms, conditions, and pricing with Lloyd's syndicates, MGAs, and company market insurers.
• Develop and execute placement strategy for complex or high-value construction risks, including residential, commercial, mixed-use, and infrastructure projects.
• Build and manage a portfolio of client relationships, acting as the primary point of contact for construction insurance advice, programme design, and renewal strategy.
• Win new business through direct client development and via referrals, tenders, and the wider firm's network, presenting to prospective developer and contractor clients.
• Review construction contracts, JCT/NEC forms, and collateral warranties to identify insurable exposures, liability transfer issues, and cover requirements, advising clients accordingly.
• Coordinate placement of related classes — Public & Products Liability, Professional Indemnity, Latent Defects/Structural Warranty — to deliver a joined-up insurance programme for developer and contractor clients.
• Prepare and present market submissions, risk presentations, and renewal strategies, working closely with insurers' underwriters and risk engineers/surveyors on higher-value or higher-hazard projects.
• Lead renewal negotiations, benchmarking terms across the market and advising clients on coverage, pricing, and alternative structures.
• Provide claims advocacy support to clients, liaising with insurers and internal claims teams to ensure timely and fair claims resolution.
• Maintain up-to-date market knowledge of CAR capacity, appetite, and pricing trends, and share intelligence with the wider team.
• Ensure accurate and timely documentation, including market reform contracts, endorsements, and compliance records, in line with regulatory requirements (FCA, Lloyd's).
• Mentor and provide technical guidance to junior brokers and account handlers within the team.
• Represent the business at client meetings, market events, and industry forums, building the firm's profile within the construction insurance sector.

Candidate Profile

Experience

• Significant experience (typically 7+ years) broking Contractors' All Risks/construction insurance within the Lloyd's or London Market, or a specialist construction broking house.
• Demonstrable track record placing and servicing UK property developer and contractor accounts, including familiarity with the residential and commercial development sector.
• Strong existing relationships with Lloyd's syndicates, MGAs, and company market underwriters active in the construction/CAR class.
• Experience managing a portfolio of client relationships, including new business development, renewal retention, and cross-sell of related lines.
• Working knowledge of construction contracts (JCT/NEC), latent defects/structural warranty products, and related liability classes is highly advantageous.

Skills & Attributes

• Strong technical broking and negotiation skills, with the confidence to lead placements on complex risks.
• Commercially driven, with a proven ability to develop new business and grow existing accounts.
• Excellent relationship-building and communication skills, both written and verbal, with clients and underwriters alike.
• Comfortable operating with a degree of autonomy in leading client relationships and placement strategy.
• A collaborative approach, with the credibility to support and develop more junior team members.

Qualifications

• Cert CII required; ACII (or working towards) preferred.
• Degree-level education or equivalent industry experience.

What's on Offer

• Competitive base salary, commensurate with experience.
• Discretionary bonus scheme.
• Comprehensive benefits package (pension, private medical insurance, life assurance).
• Genuine autonomy in developing a growing construction/CAR client portfolio, with a clear path for progression.