Risk Manager - Insurance
Insurance Office of America • Full Time
Posted on Wed, Jun 3, 2026
Job Description:
Title: Risk Manager - Insurance
Fully Remote: applicants in Eastern or Central Time Zone
Supporting: Longwood, FL | : Bachelor’s degree in Risk Management, Finance, Business, Insurance (or a related field), active P&C license
Please note: If this position is posted as either fully remote and/or hybrid, in accordance with company policy, 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. Additionally, our remote work policy includes having a dedicated, distraction-free workspace. Remote work is not a substitute for childcare, elder care, or other personal responsibilities during working hours. To view our branch locations, please visit: ioausa.com/locations
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:
Risk Assessment: Conduct comprehensive risk evaluations across property, casualty, liability, professional, cyber, and related exposures to identify risk profiles.
Exposure Analysis: Analyze loss history, operations, and contractual obligations to determine coverage requirements and risk tolerance.
Risk Mitigation Strategy: Develop and implement strategies, including loss control and prevention initiatives, to reduce exposure and improve outcomes.
Program Design & Placement: Design and structure insurance programs that align with client or organizational needs and risk profiles.
Carrier Marketing & Negotiation: Market programs to carriers, negotiating terms, coverage, and pricing to achieve optimal results.
Alternative Risk Solutions: Advise on risk financing strategies such as captives, self‑insurance, deductibles, and retention structures.
Client Advisory: Serve as a trusted advisor to clients and leadership, providing guidance on risk management strategies and insurance solutions.
Proposal & Renewal Strategy: Prepare and present risk analyses, insurance proposals, and renewal recommendations to stakeholders.
Policy Administration: Review policies, endorsements, and certificates to ensure accuracy, adequacy, and proper coverage alignment.
Compliance Management: Ensure adherence to regulatory requirements, contractual obligations, and internal risk management standards.
Claims Oversight: Oversee claims reporting and resolution, coordinating with carriers, adjusters, and legal partners to drive favorable outcomes.
Claims Analysis: Monitor claim trends and recommend corrective actions to reduce future losses and improve performance.
Carrier & Stakeholder Collaboration: Partner with carriers and internal teams including Legal, Finance, HR, and Operations to align risk strategies.
Market & Risk Intelligence: Stay informed on market trends, emerging risks, regulatory changes, and industry developments to provide proactive recommendations.
Champion IOA Values: Demonstrate integrity and leadership.
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
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
What to Expect (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.
Insurance Office of America is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.