Director of Risk Management

Job Description

Job Description

The Risk Manager is a strategic and hands-on professional responsible for managing the organization’s risk exposure with a primary focus on insurance design and procurement, contractual risk allocation, and claims oversight. This role sits at the intersection of legal, finance, and operations and plays a critical role in protecting the company’s assets, workforce, and balance sheet. The Risk Manager leads the development and execution of comprehensive risk transfer strategies, ensures compliance with insurance requirements across the business (including subcontractor and vendor relationships), and proactively manages claims to minimize financial and reputational impact.

The ideal candidate will have a strong background in corporate insurance programs, construction or home improvement industry risk management, and legal contract review with a demonstrated ability to operate cross-functionally across departments.

What You'll Do:

1. Insurance Design, Placement & Administration

· Design and implement the organization’s commercial insurance program including property, casualty, general liability, auto, workers’ compensation, umbrella, cyber, and specialty lines.

· Lead the annual insurance renewal process, including market analysis, data collection, broker engagement, and program structuring.

· Partner with brokers and insurers to obtain competitive pricing and coverage enhancements that align with the organization’s risk tolerance and growth strategy.

· Maintain and manage all insurance policies, endorsements, certificates, and related documentation.

2. Insurance Reporting & Program Oversight

· Oversee the preparation and submission of underwriting data and applications.

· Track and analyze claims experience and loss trends; prepare dashboards and reports for executive leadership.

· Maintain insurance schedules (property, vehicle, equipment, locations) and coordinate changes with relevant departments.

· Monitor compliance with insurance requirements under loan agreements, leases, and other key financial obligations.

3. Subcontractor and Vendor Insurance Review

· Develop and maintain standard insurance requirements for subcontractors, vendors, and professional service providers.

· Review subcontractor insurance certificates for compliance with contractual obligations.

· Coordinate with project managers, legal, and procurement to ensure consistent enforcement of insurance terms.

4. Contractual Risk Review

· Collaborate with legal counsel to review and advise on risk-related provisions in customer, vendor, and subcontractor agreements (e.g., indemnity, insurance, limitation of liability, waivers).

· Recommend risk mitigation strategies and negotiate favorable insurance and indemnity clauses in line with company standards.

5. Claims Management

· Serve as the primary liaison for insurance claims across the enterprise (general liability, property, auto, etc.) and coordinate for workers’ comp claims with the company’s safety department.

· Manage the claims process from intake through resolution, including investigation, documentation, insurer coordination, and internal communication.

· Identify high-risk claims and escalate to legal or executive stakeholders as needed.

· Assist with post-incident review efforts and identify root causes and prevention measures.

6. Cross-Functional Risk Initiatives

· Partner with safety, legal, HR, finance, and operations to identify and mitigate enterprise risks.

· Lead or support enterprise risk assessments, business continuity planning, and risk awareness initiatives.

What You'll Bring:

• Bachelor’s degree in Risk Management, Business, Finance, Insurance, or related field.

• ARM (Associate in Risk Management), CPCU (Chartered Property Casualty Underwriter), or similar certification preferred.

• Minimum 5–7 years of progressive experience in corporate risk management, insurance brokerage, or insurance underwriting.

• Experience managing insurance and risk for a multi-entity organization in construction, home services, real estate, or a similar field is highly preferred.

• Demonstrated success in negotiating and placing large commercial insurance programs.

• Deep understanding of commercial insurance products, policy forms, and underwriting practices.

• Ability to analyze complex contracts and identify risk transfer opportunities and red flags.

• Strong project management skills with the ability to manage multiple priorities and deadlines.

• Proficiency with Microsoft Excel and insurance-related platforms (e.g., certificate tracking systems, risk management information systems).

• Excellent written and verbal communication skills, with the ability to clearly convey technical concepts to non-specialists.

• Collaborative, professional demeanor with high ethical standards and sound business judgment.

Renuity and its affiliates are committed to equal opportunity. We value and embrace diversity and inclusion of all Team Members. If you have a disability under the Americans with Disabilities Act or similar law, and you need an accommodation during the application process or to perform these job requirements, or if you need a religious accommodation, please contact [email protected].

If you have a question regarding your application, please contact [email protected]

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