Business Risk Analyst Jobs in Michigan (NOW HIRING)

Title: Risk Manager - Insurance 

Fully Remote: applicants in Eastern or Central Time Zone
Supporting: Longwood, FL | Required: 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 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 

 
What to Expect (Application Process): 

• 30-Minute Phone Screen, Online Assessments, and Interview(s)