Insurance Broker

Short-Term Insurance Representative – Medical Malpractice & Professional Indemnity

Location: Hybrid / Remote

Employment Type: Full-time

Salary: R22,000 – R25,000 per month, depending on current earnings and experience, plus sliding-scale commission

Introduction

We are seeking a technically strong Short-Term Insurance Representative to join a specialist insurance environment, focusing on Medical Malpractice and Professional Indemnity solutions.

This position is suited to an experienced broker who understands the requirements of professional clients and can provide technically sound, compliant and appropriately structured insurance advice. Experience within the medical malpractice environment will be advantageous, although candidates with strong Short-Term Insurance broking experience from other sectors will also be considered.

The successful candidate will be responsible for managing the full client lifecycle, from risk assessment and placement through to renewals, policy amendments and claims support, while maintaining a high standard of regulatory compliance and client service.

Duties & Responsibilities

Client Advisory & Risk Management

• Advise clients on Medical Malpractice, Professional Indemnity and related insurance solutions.
• Conduct comprehensive risk needs analyses and establish appropriate insurance requirements.
• Explain policy structures, terms, conditions, exclusions and extensions clearly to clients.
• Identify appropriate insurance solutions and place cover with suitable insurers and underwriting partners.
• Maintain strong, professional relationships with clients and provide ongoing technical support.

New Business & Policy Administration

• Manage new business enquiries from initial assessment through to placement.
• Prepare and present appropriate insurance solutions and product information.
• Obtain and assess relevant underwriting information.
• Manage policy documentation and ensure all information is accurate and complete.
• Process endorsements, policy amendments, cancellations and other policy changes.
• Ensure all transactions and client interactions are accurately captured on the relevant systems.

Renewals & Client Management

• Proactively manage the renewal process and ensure clients receive timely communication.
• Review existing cover and identify changes in client circumstances or risk exposures.
• Ensure renewal terms and recommendations are appropriately presented and documented.
• Maintain regular communication with clients and follow up on outstanding information and documentation.

Claims Support

• Assist clients with claims notifications and the completion of required documentation.
• Support clients throughout the claims process and follow up on outstanding matters where required.
• Liaise with internal claims teams and relevant insurers to facilitate effective claims administration.

Compliance & Business Development

• Ensure all advice and transactions comply with applicable FAIS requirements and internal compliance standards.
• Maintain accurate, complete and auditable client and policy records.
• Work effectively within CRM and structured workflow systems.
• Identify appropriate cross-selling and upselling opportunities.
• Maintain a strong ethical, compliant and risk-aware approach to client servicing.

Requirements

Minimum Requirements

• FAIS-compliant Representative.
• Relevant RE5 qualification.
• Completed Class of Business: Short-Term Insurance.
• Minimum 3 years' proven experience within Short-Term Insurance broking.
• Experience in Medical Malpractice and/or Professional Indemnity will be advantageous.
• Candidates without direct Medical Malpractice experience will also be considered where they have strong relevant Short-Term Insurance technical and broking experience.
• Valid driver's licence and own vehicle.

Technical Knowledge

Strong knowledge of, or exposure to, the following will be advantageous:

• Medical Malpractice Insurance.
• Professional Indemnity Insurance.
• Claims-made policy structures.
• Retroactive dates.
• Run-off cover.
• Policy extensions and exclusions.
• Underwriting requirements and structures relating to Professional Indemnity and Medical Malpractice.
• Risk assessment and insurance placement.
• FAIS and Short-Term Insurance compliance requirements.