Risk and Insurance Manager

Chinatown Community Development Center•San Francisco, CA

3d•$107,000 - $112,000•Onsite

About The Position

The Risk and Insurance Manager coordinates Chinatown CDC’s day-to-day insurance and risk-management activities. Working with the Senior Director of Asset Management, insurance broker, carriers, and departments across the organization, the position supports insurance renewals, claims, risk assessments, loss prevention, and follow-up on corrective actions. It serves as a practical internal resource on insurance requirements and routine risk questions, prepares analysis and recommendations for leadership, and helps maintain consistent organization-wide risk-management practices. Department leaders remain responsible for daily operations and for implementing corrective actions within their areas. The role provides management, reporting, and analysis on insurance and risk-related activities to support the Senior Director of Asset Management, executive leadership, and organization-wide risk strategy decisions. It manages the commercial insurance program and claims administration; maintains the enterprise risk register; coordinates risk reviews, loss prevention, emergency preparedness, and business continuity activities; supports insurance needs for properties, projects, vendors, and programs; and prepares regular reports for leadership. Material coverage decisions, risk retention, significant settlements, enterprise risk priorities, and decisions to pause organizational activities remain with authorized senior leaders. This is a regular, full-time, exempt position located in the Chinatown neighborhood of San Francisco. The schedule is Monday through Friday during general business hours, with some nights and weekends. The stated annual salary range is $107,000–$112,000, with comprehensive benefits.

Requirements

At least three years of progressively responsible experience in commercial insurance, risk management, claims administration, loss control, property operations, or a closely related field.
Experience supporting or administering commercial property and casualty insurance programs, claims, or renewals.
Familiarity with insurance policies, endorsements, exclusions, limits, deductibles, certificates of insurance, and broker or carrier documentation.
Experience coordinating work with brokers, carriers, adjusters, vendors, consultants, or internal departments.
Strong analytical, written, verbal, and interpersonal communication skills.
Strong organization, follow-through, project coordination, recordkeeping, and deadline-management skills.
Ability to review insurance documents and proposals, identify questions or inconsistencies, and explain routine issues to nontechnical audiences.
Ability to analyze claims and loss information and translate findings into practical recommendations.
Sound judgment about when an issue can be handled routinely and when it should be escalated.
Ability to build effective working relationships and coordinate across departments without direct supervisory authority.
Discretion in handling confidential claims, personnel, legal, medical, security, and organizational information.
Bachelor’s degree in risk management, insurance, business, finance, public administration, real estate, or a related field, or an equivalent combination of education and directly relevant experience.
Proficiency with Microsoft Excel, Word, PowerPoint, SharePoint, and related information-management tools.

Nice To Haves

Five or more years of relevant insurance, claims, risk-management, loss-control, or property-operations experience.
Experience in an in-house role or in brokerage, carrier, claims, consulting, or loss control.
Experience with multifamily or affordable housing, commercial real estate, property management, construction, rehabilitation, community-based programs, or similarly complex operations.
Experience with workers’ compensation, emergency preparedness, business continuity, cyber insurance, security risk, or incident response.
Associate in Risk Management (ARM), Associate in Claims (AIC), Chartered Property Casualty Underwriter (CPCU), Certified Insurance Counselor (CIC), or comparable credential, or interest in working toward one.
Familiarity with California’s insurance, employment, construction, or real-estate risk environment.

Responsibilities

Manage the organization’s commercial insurance program, including annual renewals, exposure information, and routine broker and carrier communication.
Coordinate insurance-related administration and tracking of claims and incidents with involved departments.
Manage organization-wide risk assessments, maintain the enterprise risk register, and track agreed mitigation activities and corrective actions.
Review insurance requirements and advise on routine risks involving property operations, construction, vendors, workplace safety, programs, technology, and organizational activities.
Prepare regular risk, insurance, claims, and loss-trend reports for the Senior Director and other leaders.
Support organization-wide risk assessments covering properties, developments, rehabilitation projects, operations, programs, workforce, technology, vehicles, and administrative functions; help prioritize risks based on severity, likelihood, operational and mission impact, and cost.
Manage the annual renewal calendar, applications, exposure schedules, property values, loss information, and supporting documentation; coordinate with the broker and internal departments to gather underwriting information.
Review insurance proposals, policy summaries, endorsements, exclusions, limits, deductibles, and coverage changes, and prepare comparisons for the Senior Director of Asset Management.
Maintain organized insurance policies, schedules, binders, invoices, and related records; answer routine insurance questions and coordinate complex coverage questions with the broker, carrier, legal counsel, or Senior Director.
Help evaluate insurance needs for acquisitions, developments, rehabilitation projects, capital improvements, new programs, and operational changes.
Track premiums, deductibles, retained losses, claim costs, and other components of total cost of risk.
Manage the certificate-of-insurance program and review requests for exceptions.
Provide timely notice of potentially covered property, liability, automobile, cyber, workers’ compensation, construction, and other claims to brokers and carriers; gather claim documentation and maintain centralized records.
Track claim status, reserves, deductibles, recoveries, open items, and deadlines; follow up with adjusters, brokers, and internal departments.
Analyze claim frequency, severity, status, cost, and emerging trends; participate in post-incident reviews and help document corrective-action recommendations.
Support workers’ compensation claim reviews, loss analysis, prevention, and return-to-work coordination with Human Resources; Human Resources retains routine workers’ compensation administration.
Coordinate insurance and risk-management advice regarding significant claims and settlements with legal counsel and authorized decision-makers.
Conduct or coordinate routine property, workplace, program, security, and project risk reviews; coordinate responses to loss-control recommendations from carriers, brokers, consultants, and public agencies.
Partner with Information Technology and leadership to evaluate cybersecurity, privacy, data-management, technology-vendor, and cyber-insurance risks; Information Technology retains responsibility for technical security controls.
Support the organization’s risk-management framework for emergency preparedness, disaster response, and business continuity with responsible operating departments.
Manage emergency-preparedness and business-continuity planning, exercises, and significant-incident reviews; provide insurance and risk-management support during significant incidents.
Develop and implement practical policies, standards, tools, and training that strengthen risk awareness and consistent risk-management practices.
Analyze incidents, near misses, and claims to identify and provide analysis for organization-wide policy, training, physical, or procedural improvements.
Provide quarterly risk and insurance reports to the Senior Director of Asset Management and Deputy Director, covering significant exposures, claims trends, insurance-market developments, mitigation progress, and matters requiring leadership decisions; maintain regular communication about material organizational risks.
Coordinate insurance information and contractor, consultant, and vendor documentation for construction, rehabilitation, capital projects, and major repairs, including builders-risk information.
Maintain standard insurance requirements for contractors, vendors, consultants, service providers, and program partners; manage certificates of insurance, endorsements, and routine exception requests.
Review insurance and indemnification provisions from a risk perspective and refer unusual, complex, or high-risk terms to the Senior Director or legal counsel.
Prepare quarterly dashboards and reports on insurance costs, claims, loss trends, open recommendations, and significant exposures; support executive and Board risk reporting led by the Senior Director.
Maintain risk-management procedures, forms, checklists, guidance, and training materials; coordinate cross-functional meetings and follow-up activities when requested.
Request information reasonably necessary to coordinate renewals, claims, incidents, risk reviews, and mitigation tracking; communicate routine insurance requirements and risk recommendations to supervisors and staff.
Coordinate cross-functional claim, incident, and risk reviews; follow up on agreed corrective actions and elevate material, urgent, overdue, or unresolved matters.
Recommend coverage, policy, process, or loss-prevention changes for review by the Senior Director of Asset Management and other appropriate leaders.
Embody organization values of respect and compassion, empowerment, and teamwork; contribute to a safe and pleasant work environment; follow policies, procedures, and safe work practices; perform other duties as assigned.