Insurance Program Manager Jobs in Ridgefield, CT

The Insurance Operations Manager is responsible for the day-to-day administration and oversight of personal and commercial insurance programs. This role serves as the primary liaison between internal stakeholders, insurance brokers, carriers, and third-party administrators to ensure proper coverage, policy compliance, claims management, and risk mitigation.

The ideal candidate will have extensive experience managing High-Net-Worth (HNW) personal insurance portfolios as well as complex commercial insurance programs, with a strong understanding of underwriting processes, policy administration, coverage analysis, and claims resolution.

• Manage all aspects of the organization's personal and commercial insurance programs, including property, casualty, automobile, umbrella, workers' compensation, general liability, cyber, directors & officers (D&O), and builder's risk policies.
• Administer High-Net-Worth (HNW) personal insurance portfolios for executives and ownership, including homes, automobiles, watercraft, aircraft, collectibles, and personal umbrella coverage.
• Coordinate annual insurance renewals by gathering underwriting information, preparing submissions, and working closely with brokers and carriers.
• Review and analyze policy terms, endorsements, exclusions, and coverage limits to ensure adequate protection and alignment with operational risks.
• Conduct periodic insurance coverage audits to identify gaps, overlaps, and opportunities for cost savings.
• Manage the issuance and tracking of certificates of insurance (COIs), auto ID cards, policy schedules, and other insurance documentation.
• Oversee the claims process from initial reporting through final resolution, coordinating with carriers, adjusters, legal counsel, and internal stakeholders.
• Maintain accurate insurance records, schedules, and databases, ensuring timely updates for acquisitions, disposals, and operational changes.
• Support contract review activities by evaluating insurance requirements and verifying compliance with contractual obligations.
• Coordinate fleet insurance administration, including vehicle additions/deletions, driver schedules, and related documentation.
• Monitor carrier performance, claims trends, and premium expenditures, providing regular reporting and recommendations to leadership.
• Assist with internal and external audits related to insurance and risk management.
• Develop and maintain insurance policies, procedures, and operational controls to improve efficiency and compliance.

• Bachelor's degree in Business, Risk Management, Finance, Insurance, or related field preferred.
• 5+ years of experience in insurance operations, risk management, brokerage, or corporate insurance administration.
• Strong knowledge of commercial insurance lines and High-Net-Worth personal insurance products.
• Experience managing underwriting submissions, policy renewals, claims administration, and coverage analysis.
• Familiarity with certificates of insurance, policy endorsements, auto ID card administration, and insurance compliance documentation.
• Excellent organizational skills with exceptional attention to detail.
• Strong analytical and problem-solving abilities.
• Proficiency with Microsoft Office Suite and insurance management systems.
• Professional designations such as ARM, CPCU, CIC, or CRM are a plus.

• Corporate risk management or family office insurance administration.
• Construction, energy, real estate, or multi-entity business insurance programs.
• Management of executive and ownership personal insurance portfolios.
• Working directly with insurance brokers, carriers, legal counsel, and third-party administrators.

• Insurance Program Administration
• Risk Assessment & Coverage Analysis
• Underwriting Coordination
• Claims Management
• Policy & Documentation Management
• Contract Insurance Compliance
• Vendor & Broker Relationship Management
• Process Improvement & Operational Excellence
• Confidentiality & Professional Judgment

This position plays a critical role in protecting the organization's assets and ensuring that both corporate and personal insurance programs are effectively managed, compliant, and aligned with the company's evolving operational needs.