Title:
Risk Manager - Insurance
Location:
Fully Remote. Applicants located in Eastern or Central Time Zone. If the position is posted as fully remote and/or hybrid, 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. The remote work policy requires a dedicated distraction-free workspace.
Location (Optional with branch):
Longwood, FL
Required Qualification:
Bachelor's degree in Risk Management, Finance, Business, Insurance (or related field) and an active P&C license.
About the Role
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.
Key Responsibilities
Conduct comprehensive risk assessments 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 risk mitigation 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, negotiate 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 by championing IOA values.
Ideal Candidate Qualifications
Bachelor’s degree in Risk Management, Finance, Business, Insurance or related field; advanced degree preferred.
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.
Professional designations such as CPCU, ARM or CRM preferred; active insurance licensing as required.
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.
What We Offer
Competitive salaries and bonus potential.
Company‑paid health insurance.
Paid holidays, vacations and sick time.
401K with employer match.
Professional growth and career progression opportunities.
Respectful culture and work/family life balance.
Community service commitment.
Supportive teammates and a rewarding work environment.
Application Process
30‑Minute Phone Screen, Online Assessments, and Interview(s).
Salary Range
The expected pay range for this position is $110,000.00 to $145,000.00 per year, depending on experience, relevant skills and geographic location.
EEO Statement
Insurance Office of America is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.
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