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Career Path of an Insurance Broker

Insurance brokers play a vital role in helping individuals and businesses navigate the complex world of insurance. Whether specializing in personal lines (e.g. home, auto, travel) or commercial lines (e.g. property, liability, cyber), brokers act as trusted advisors who assess risk, recommend coverage, and advocate for clients during claims. Please note, that not all brokerages are the same size, or have the same titles or division of roles, so the below is merely an example of potential positions. Also, some brokerages allow for staff to do both personal lines and commercial to get a taste of both!

1. Entry-Level: Broker Assistant / Junior Broker

At the start of their career, individuals often begin as a Broker Assistant or Trainee Broker, supporting senior brokers with administrative tasks, client communications, and policy documentation. This role provides foundational exposure to both personal and commercial lines, depending on the brokerage’s focus.

Key Skills Developed:

  • Client service and communication
  • Policy processing and documentation
  • Exposure to underwriting and claims workflows

2. Personal Lines Broker

A Personal Lines Broker focuses on individual clients, helping them secure coverage for homes, vehicles, travel, and personal liability. This role requires strong interpersonal skills and the ability to explain policy terms clearly.

Career Progression:

  • Personal Lines Broker → Senior Personal Lines Broker → Team Lead or Branch Manager

Specializations May Include:

  • High-net-worth clients
  • Auto and recreational vehicles (ATV’s motorcycles, small watercrafts etc)

3. Commercial Lines Broker

A Commercial Lines Broker works with businesses to assess risk and secure coverage for property, liability, cyber, and other exposures. This role is very technical and consultative, often involving bespoke policy design and negotiation with underwriters. 

Career Progression:

  • Commercial Lines Broker → Senior Broker → Account Executive → Practice Leader

Specializations May Include:

  • Construction and engineering
  • Professional liability (E&O)
  • Cyber and technology risks
  • Transportation and logistics

4. Mid-Level: Account Executive / Portfolio Manager

At this stage, brokers manage a book of business, lead client renewals, and coordinate with insurers. They may also mentor junior staff and contribute to business development.

Key Competencies:

  • Strategic account management
  • Negotiation and placement
  • Risk advisory and analytics

5. Senior-Level: Practice Leader / Head of Broking

Senior brokers oversee teams, drive growth strategies, and engage with C-suite clients. They are often involved in shaping product offerings and market positioning.

Leadership Attributes:

  • P&L responsibility
  • Talent development
  • Cross-functional collaboration

6. Optional Pathways: Specialization or Entrepreneurship

Experienced brokers may choose to:

  • Specialize in niche sectors (e.g. M&A insurance, renewable energy, marine)
  • Start their own brokerage or become a partner in an existing firm
  • Move into underwriting, risk consulting, or insurtech