Risk and Insurance Manager

Most weeks tend to revolve around the insurance program — policy renewals, claims activity, loss runs, and the steady conversations with brokers and carriers — paired with the internal work of risk identification, loss prevention, and contract review. You'll often spend time with operations leaders, legal on contract risk, finance on captive or premium accounting, and brokers on market conditions. Progress shows up in total cost of risk, claim outcomes, and the smoothness of renewals year over year.

The harder part is often the long tail of claims and the unpredictability of markets — a workers' comp claim that turns severe years after the incident, a property loss that exposes coverage gaps, a hardening insurance market that strips capacity from key lines. Variance across employers is real: a small company may rely heavily on broker guidance; a large or complex company carries captive insurance arrangements, deductibles, and global property programs that require deeper technical skill.

People who tend to thrive here are comfortable thinking probabilistically and patient with multi-year claim development. The role rewards technical depth, broker-relationship skill, and a steady risk mindset, and many risk and insurance managers grow into chief risk officer, treasury, or insurance executive paths over time. ARM, CPCU, and similar credentials shape the career arc.