Risk Manager - Insurance

Insurance Office of America•Oviedo, FL

22h•$110,000 - $145,000•Remote

About The Position

The Insurance Broker – Risk Manager is responsible for identifying, assessing, and mitigating organizational risk through the design, placement, and ongoing management of insurance and risk financing programs. This role acts as a strategic advisor to clients or internal stakeholders, aligning insurance solutions with business objectives while ensuring regulatory compliance, cost efficiency, and effective claims management.

Requirements

Bachelor’s degree in Risk Management, Finance, Business, Insurance, or related field
5–10+ years of experience in insurance brokerage, risk management, or commercial insurance consulting.
Active property & casualty licensing.
Proven expertise managing complex insurance programs and client relationships
Strong knowledge of commercial insurance products, coverage structures, and risk transfer strategies
Excellent analytical, financial, negotiation, and problem‑solving skills
Outstanding communication and presentation abilities with a consultative, relationship‑driven approach
High attention to detail, strong organizational skills, and ability to manage multiple priorities
Applicants in Eastern or Central Time Zone
Individuals residing within a 50-mile radius of a branch location may be required to work onsite in a hybrid capacity as there may be occasions when on-site presence is necessary to meet specific business needs.
Having a dedicated, distraction-free workspace.

Nice To Haves

Advanced degree preferred
Professional designations such as CPCU, ARM, or CRM preferred

Responsibilities

Conduct comprehensive risk evaluations across property, casualty, liability, professional, cyber, and related exposures to identify risk profiles.
Analyze loss history, operations, and contractual obligations to determine coverage requirements and risk tolerance.
Develop and implement strategies, including loss control and prevention initiatives, to reduce exposure and improve outcomes.
Design and structure insurance programs that align with client or organizational needs and risk profiles.
Market programs to carriers, negotiating terms, coverage, and pricing to achieve optimal results.
Advise on risk financing strategies such as captives, self‑insurance, deductibles, and retention structures.
Serve as a trusted advisor to clients and leadership, providing guidance on risk management strategies and insurance solutions.
Prepare and present risk analyses, insurance proposals, and renewal recommendations to stakeholders.
Review policies, endorsements, and certificates to ensure accuracy, adequacy, and proper coverage alignment.
Ensure adherence to regulatory requirements, contractual obligations, and internal risk management standards.
Oversee claims reporting and resolution, coordinating with carriers, adjusters, and legal partners to drive favorable outcomes.
Monitor claim trends and recommend corrective actions to reduce future losses and improve performance.
Partner with carriers and internal teams including Legal, Finance, HR, and Operations to align risk strategies.
Stay informed on market trends, emerging risks, regulatory changes, and industry developments to provide proactive recommendations.
Demonstrate integrity and leadership.