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Climate Risk Insurance Jobs in Caldwell, NJ (NOW HIRING)

GFT.

Stormwater Engineer - Civil Engineer

Piscataway, NJ · Hybrid

$90K - $125K/yr

You will help transportation agencies plan for climate risk, prioritize projects that deliver the ... Comprehensive benefits package including wellness programs, parental leave, and pet insurance, in ...

GFT.

Stormwater Engineer - Civil Engineer

New York, NY · Hybrid

$90K - $125K/yr

You will help transportation agencies plan for climate risk, prioritize projects that deliver the ... Comprehensive benefits package including wellness programs, parental leave, and pet insurance, in ...

IFG Companies

Risk Management Actuary

Hoboken, NJ · Remote

$150K - $200K/yr

S. commercial insurer, with meaningful exposure to catastrophe modeling and/or reinsurance ... Physical demands are considered those of a climate-controlled office environment with minimal ...

Munich Re

ERM Actuary Senior

New York, NY · On-site

... as cyber, climate, and wildfire. Independently or collaboratively perform model validation ... Broad understanding of (re)insurance company operations, products, risk exposures, financial ...

Munich Re

ERM Actuary Senior

Manhattan, NY · On-site

... as cyber, climate, and wildfire. Independently or collaboratively perform model validation ... Broad understanding of (re)insurance company operations, products, risk exposures, financial ...

AIG

Catastrophe Research Manager

New York, NY · On-site

$120K - $150K/yr

A thorough understanding of climate change and its impact on insurance, and demonstrated experience presenting and discussing catastrophe risk research in internal or external forums * An ability to ...

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Showing results 1-20

All JobsClimate Risk Insurance JobsClimate Risk Insurance Jobs in Caldwell, NJ

Climate Risk Insurance information

See Caldwell, NJ salary details

$89.5K

$131.9K

$201.8K

How much do climate risk insurance jobs pay per year?

As of Jul 16, 2026, the average yearly pay for climate risk insurance in Caldwell, NJ is $131,852.00, according to ZipRecruiter salary data. Most workers in this role earn between $109,600.00 and $149,800.00 per year, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Climate Risk Insurance professional, and why are they important?

To thrive as a Climate Risk Insurance professional, you need expertise in risk assessment, climate science, and insurance principles, often supported by a degree in finance, environmental science, or actuarial studies. Familiarity with modeling software, data analytics platforms, and relevant industry certifications like Chartered Property Casualty Underwriter (CPCU) is typically required. Strong analytical thinking, communication, and problem-solving skills help professionals interpret complex data and explain risk scenarios to clients. These skills are crucial for accurately assessing climate-related risks and developing effective insurance solutions in a rapidly changing environment.

What are some common challenges faced by professionals working in climate risk insurance?

Professionals in climate risk insurance often navigate rapidly evolving scientific data, regulatory frameworks, and unpredictable weather events that impact risk assessment and pricing. Collaborating closely with underwriters, actuaries, and climate scientists is essential to accurately model and manage emerging risks. Staying updated on advancements in climate modeling tools and regulatory changes is crucial, as is effectively communicating complex risk information to clients and stakeholders. This dynamic environment requires adaptability, strong analytical skills, and a proactive approach to ongoing learning.

What is climate risk insurance?

Climate risk insurance is a type of insurance product designed to protect individuals, businesses, or governments against financial losses caused by climate-related events, such as floods, hurricanes, droughts, or wildfires. It works by providing payouts or coverage when certain climate-triggered conditions are met, helping policyholders recover from disasters more quickly. This insurance is increasingly important as climate change leads to more frequent and severe weather events, and it can also incentivize risk reduction strategies.

What is the difference between Climate Risk Insurance vs Environmental Risk Analyst?

AspectClimate Risk InsuranceEnvironmental Risk Analyst
Required CredentialsCertifications in insurance, risk management, environmental scienceDegrees in environmental science, risk assessment, or related fields
Work EnvironmentInsurance companies, risk consulting firms, financial institutionsEnvironmental consulting firms, government agencies, corporations
Industry UsageInsurance policies, risk mitigation strategies for climate-related eventsEnvironmental impact assessments, regulatory compliance, risk analysis

Climate Risk Insurance focuses on developing insurance products to protect against climate-related damages, while Environmental Risk Analysts assess environmental risks and advise on mitigation strategies. Both roles require environmental knowledge but differ in their primary functions and industry applications.

What cities near Caldwell, NJ are hiring for Climate Risk Insurance jobs? Cities near Caldwell, NJ with the most Climate Risk Insurance job openings:
Climate Risk Insurance jobs near you
Infographic showing various Climate Risk Insurance job openings in Caldwell, NJ as of July 2026, with employment types broken down into 82% Full Time, 16% Part Time, 1% Contract, and 1% Nights. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $131,852 per year, or $63.4 per hour.

Risk Team Director - Real Estate

WithCoverage

New York, NY • On-site

Full-time

Medical, Dental, Vision, Life, Retirement

Posted 26 days ago

Job description

Risk Team Director - Real Estate
Location: New York, NY
About WithCoverage:
WithCoverage replaces the traditional insurance brokerage with AI-supercharged risk management designed for the modern economy.
We partner with hundreds of high-growth, category-defining companies, including GoPuff, Eight Sleep, Bombas, Chomps, and Blank Street Coffee. Our clients span iconic consumer brands, hospitality leaders, GCs, advanced manufacturers, and next-generation defense contractors. They operate in complex risk environments and need a partner that can move at their speed.
Instead of a fragmented, manual brokerage stack, we have built a new category: elite risk advisors operating on top of proprietary technology. Our in-house Agency Management System gives our team and AI agents full visibility into policies, exposures, claims, billing, and commissions. This platform enables deep automation, better decisions, and a fundamentally higher standard of service.
WithCoverage was founded by JD Ross (co-founder of Opendoor) and Max Brenner (Bain, Compound). We have raised over $43M from leading investors including Sequoia, 8VC, Khosla Ventures and Crystal Venture Partners.
Our ambition is not to build a better brokerage. It is to redefine how risk is managed across the economy.
Why Join Us:
  • Grow Faster - We're scaling quickly, giving you significant opportunities to learn, lead, and shape your career and the company's future.
  • Work That Matters - We protect the world's most innovative brands: consumer icons, hospitality leaders, next-gen defense contractors, and US manufacturers.
  • Redefine an Industry - Insurance is one of the largest, slowest-moving markets. We rewrite the playbook with proprietary technology, automation, and AI.
  • Financial Rewards - We hire the best and invest in you. That means competitive comp, meaningful equity, and excellent benefits. We believe strongly in internal promotion and lay out a plan for everyone's career growth.

About The Role:
As Director, Real Estate Risk, you'll be WithCoverage's senior technical authority for risk advisory across our Real Estate vertical, supporting owners, operators, developers, REITs, syndicators, and institutional investors. You'll personally lead the most complex placements and serve as the in-house expert our advisors, service teams, and clients rely on for real estate-specific coverage strategy. This is a senior individual contributor role today, with a path to building and leading the Real Estate Risk function as the book grows. You'll set the technical bar, codify best practices, and architect the playbooks, tools, and training that scale a high-performing vertical practice.
What You'll Do:
  • Act as the senior technical lead on complex real estate placements, including layered/shared property towers, CAT-exposed portfolios, captive and alternative risk financing structures, wrap-ups (OCIP/CCIP), and lender/JV insurance compliance
  • Design and refine client risk management programs tailored to real estate exposures across asset classes and lines of business (Property, GL, Umbrella/Excess, Builders Risk, Environmental, Workers Comp, Auto, Cyber, D&O, Crime, EPLI, etc.)
  • Provide deep technical expertise on real estate-specific coverage issues, including CAT-exposed property placements, vacancy and protective safeguards provisions, ordinance & law, business income/rents, anti-concurrent causation, assault & battery sublimits, habitational liability, construction defect, and tenant/contractual risk transfer
  • Partner with Risk Advisors on renewal and risk mitigation strategies, including SOV optimization, valuation accuracy, COPE data integrity, and modeling outputs (RMS/AIR) for CAT-exposed portfolios
  • Lead loss analysis, benchmarking, and claims trend work across real estate portfolios to guide client decision-making and carrier negotiations
  • Evaluate client operations, asset-level exposures, lease structures, vendor agreements, and contractual risk transfer mechanisms to propose proactive solutions
  • Build the foundational playbooks, technical standards, and review processes that will define how WithCoverage delivers real estate risk advisory at scale
  • Develop and deliver internal training on real estate exposures and emerging issues (climate, wildfire, convective storm, habitability litigation, AOB, social inflation), raising the technical fluency of the broader advisory team
  • Serve as a trusted resource and mentor to Risk Advisors working on real estate accounts, with the expectation that you'll hire, build, and eventually lead a dedicated Real Estate Risk team as the practice grows
  • Collaborate with leadership to shape the tools, technology, and processes that power real estate risk advisory delivery
  • Engage directly with executive-level clients (CFOs, GCs, asset managers, principals) on high-stakes coverage strategy, program design, and carrier negotiations

Who You Are:
  • 10+ years of experience in commercial insurance or risk management, with deep specialization in the Real Estate vertical, ideally within a brokerage or consulting environment
  • A senior individual contributor with a track record of personally owning complex real estate placements and being the go-to technical resource for advisors, clients, and carriers
  • Deep technical command of real estate insurance programs, including Property (CAT-exposed and shared/layered towers), General Liability (habitational and commercial), Umbrella/Excess, Builders Risk, Environmental/Pollution, Workers Comp, Auto, and specialty lines (D&O, Crime, EPLI, Cyber)
  • Demonstrated experience structuring programs for owner/operators, REITs, syndicators, developers, property management companies, and/or institutional real estate investors
  • Working knowledge of lease and loan insurance requirements, waivers of subrogation, additional insured/AICOI compliance, and contractual risk transfer best practices for real estate
  • Fluent with CAT modeling outputs, COPE data quality, and valuation methodologies, and how each drives carrier appetite and pricing
  • Proven ability to communicate complex insurance and real estate risk concepts to executive-level clients in a clear, advisory tone
  • Strong analytical and strategic thinker, comfortable working across asset classes, geographies, and capital structures
  • Builder's mindset, energized by the prospect of standing up a function from the ground up, codifying how the work gets done, and eventually hiring and leading the team that scales it
  • Interest in mentorship and team leadership over time; prior people management is a plus but not required
  • Designations (CPCU, ARM, CIC, CRM, CRIS) preferred but not required

For candidates based in the United States, the expected OTE pay range for this position at the start of employment is $200,000 - $250,000/year. Actual compensation will vary based on individual factors, including market location, relevant experience, and role scope. In addition to base salary, this role is eligible for variable compensation tied to performance or quota attainment, where applicable. WithCoverage's Total Rewards package for full-time employees also includes equity participation and comprehensive benefits. If you're excited about the role but your compensation expectations are outside this range, we'd still love to hear from you; final offers reflect experience, scope, and leveling.
What We Offer:
  • Competitive compensation that includes equity
  • Comprehensive benefit plans for medical, dental, vision, life, and disability
  • Pre-tax accounts (FSA, HSAs, dependent care FSAs, commuter savings)
  • Human Interest: 401(k) provider
  • Time Off: Flexible time off, sick leave, family and medical leave, and major national holidays
  • A curated in-office employee experience, designed to foster community, team connections, and innovation
  • Collaborative, transparent, and fun culture

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