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Insurance Risk Analyst Jobs (NOW HIRING)

Cotton Holdings

Risk Analyst

Houston, TX

Insurance Contract Review : Evaluate contract language to ensure adherence to Cotton insurance standards. * Claims and Risk Analysis : Support claims management and risk analysis projects to identify ...

Cotton Holdings

Risk Analyst

Houston, TX · On-site

$55K - $65K/yr

Insurance Contract Review : Evaluate contract language to ensure adherence to Cotton insurance standards. * Claims and Risk Analysis : Support claims management and risk analysis projects to identify ...

Hankey Group External

Risk Analyst

Los Angeles, CA · On-site

$65K - $75K/yr

Knight Insurance Group is a leading insurance carrier seeking a Risk Analyst to join our team in Los Angeles. The Risk & Data team are looking for an individual who demonstrates attention to detail ...

ArchWell Holdings

Director, Insurance Risk

The Insurance Risk Director will play a critical role in implementing and managing the company ... Conduct exposure analysis and benchmarking to maintain appropriate coverage and competitive pricing.

HR4Me

Risk Analyst

Cincinnati, OH · On-site

Coordinate with brokers on insurance placements (GL, WC, Auto, Builders Risk, Professional Liability, OCIP/CCIP) * Analyze loss runs, claims history, and deductible exposure * Support claims ...

Brookfield

Risk Analyst

Omaha, NE · On-site

Argo and Farm Family partner with agents and brokers to provide insurance solutions that enable businesses to manage risks with confidence. The Enterprise Risk Analyst supports the development ...

Robert Half

Risk Analyst

Richmond, VA · On-site

$40 - $55/hr

... insurance carriers. • Experience performing audits, claims reviews, or compliance assessments within risk management or insurance environments. • Ability to analyze financial, operational, and ...

Brown & Brown, Inc.

Risk Analyst

Coral Gables, FL · On-site

The Risk Analyst position is a great opportunity if you are seeking a career in Commercial Insurance and Risk Management. As a Risk Analyst, you will receive professional development and mentorship ...

Brookfield

Risk Analyst

New York, NY · On-site

Argo and Farm Family partner with agents and brokers to provide insurance solutions that enable businesses to manage risks with confidence. The Enterprise Risk Analyst supports the development ...

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Insurance RISK Analyst information

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$49K

$83.2K

$156K

How much do insurance risk analyst jobs pay per year?

As of Jul 9, 2026, the average yearly pay for insurance risk analyst in the United States is $83,237.00, according to ZipRecruiter salary data. Most workers in this role earn between $65,000.00 and $86,500.00 per year, depending on experience, location, and employer.

How much does an insurance analyst make?

The average salary for an insurance risk analyst is around $70,000 to $85,000 per year, depending on experience, location, and certifications. Entry-level analysts typically earn less, while those with specialized skills or advanced credentials can earn higher salaries. Compensation may also include bonuses and benefits based on performance and company size.

What are some common challenges faced by Insurance Risk Analysts in evaluating emerging risks?

Insurance Risk Analysts often encounter challenges when assessing emerging risks such as cyber threats, climate change, or new technologies, as there may be limited historical data available. This requires them to continuously update their knowledge, collaborate with underwriters, actuaries, and external experts, and adopt advanced analytical tools to make informed recommendations. Staying proactive in identifying trends and adapting risk models is essential for success in this dynamic environment.

How much do risk analysts get paid?

Risk analysts in the insurance industry typically earn a median annual salary of around $70,000 to $90,000, depending on experience, location, and certifications. Entry-level positions may start lower, while experienced analysts with specialized skills can earn over $100,000 annually.

What are Insurance Risk Analysts?

Insurance Risk Analysts are professionals who assess and analyze potential risks that could affect an insurance company or its clients. They evaluate data and financial information to determine the likelihood and potential cost of events such as accidents, natural disasters, or other losses. Their work helps insurance companies set appropriate premiums and develop strategies to minimize financial loss. Insurance Risk Analysts also monitor trends and provide recommendations to reduce risk exposure.

What does a risk analyst do for an insurance company?

An insurance risk analyst evaluates potential risks that could affect an insurance company's financial stability by analyzing data, assessing risk exposure, and developing strategies to mitigate losses. They use statistical tools and industry knowledge to determine policy pricing and ensure the company's risk management aligns with regulatory standards.

What is the difference between Insurance Risk Analyst vs Insurance Underwriter?

AspectInsurance Risk AnalystInsurance Underwriter
Required CredentialsBachelor's degree in finance, economics, or related field; certifications like CPCU or ARM beneficialBachelor's degree in finance, economics, or related field; certifications like CPCU or ARM beneficial
Work EnvironmentAnalyzes data, assesses risks, and provides reports; often in an office settingEvaluates applications, determines policy terms, and approves or declines coverage; office-based
Employer & Industry UsageInsurance companies, risk management firms, consulting agenciesInsurance companies, brokerage firms, underwriting agencies

While both roles require similar credentials and work in the insurance industry, Insurance Risk Analysts focus on analyzing and quantifying risks to inform decision-making, whereas Insurance Underwriters evaluate individual applications to determine policy terms. Understanding these differences helps clarify career paths and employer expectations in the insurance sector.

What are the key skills and qualifications needed to thrive as an Insurance Risk Analyst, and why are they important?

To thrive as an Insurance Risk Analyst, you need strong analytical skills, a solid understanding of risk assessment methodologies, and typically a bachelor’s degree in finance, mathematics, or a related field. Familiarity with statistical software, risk modeling tools, and certifications such as Chartered Property Casualty Underwriter (CPCU) or Associate in Risk Management (ARM) are often required. Attention to detail, critical thinking, and effective communication are crucial soft skills for interpreting data and presenting findings to stakeholders. These skills ensure accurate risk evaluation, informed decision-making, and the development of effective risk mitigation strategies within insurance organizations.

Is risk analyst an entry level job?

A risk analyst position can be entry-level or require some experience, depending on the employer. Entry-level risk analyst roles typically require a bachelor's degree in finance, economics, or a related field, and may involve on-the-job training. Advanced roles may require additional certifications or experience in data analysis or risk management tools.

What Does an Insurance Risk Analyst Do?

An insurance risk analyst performs a variety of duties related to assessing risks your clients may undergo and how to insure them properly. You collect and analyze data, such as past claims in the industry, competitor pricing, and various risk management strategies to help your company keep costs down. Qualifications for the job include career training, education, and specialized skills. Typically, you need a bachelor’s degree in accounting or finance and some work experience in the industry. Important skills include an excellent eye for detail and strong analytical problem-solving.

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Insurance RISK Analyst jobs near you
Risk Analyst

Risk Analyst

Cotton Holdings

Houston, TX

Full-time

Medical, Retirement

Posted 20 days ago

Job description


Join Our Team!
Are you passionate about navigating and mitigating risks in a dynamic environment? At Cotton Holdings, Inc., we believe in empowering individuals, driving meaningful change, and fostering success through innovative risk management strategies. As a Risk Analyst, you'll play a vital role in ensuring operational and financial stability while helping us achieve our mission of total recovery and comprehensive solutions.


Who We Are
Cotton Holdings, Inc. is a global leader providing comprehensive solutions for property restoration, recovery, construction, and more. Whether we're responding to natural disasters or managing large-scale development projects, our innovative team combines world-class talent with a vast inventory of company-owned assets to achieve exceptional results. Ready to be part of our dynamic, mission-driven team? Let's get started!


As a Risk Analyst, you'll support our Enterprise Risk Management (ERM) team by analyzing and managing risks across Cotton's diverse divisions, from Disaster Restoration to Culinary. Working closely with our Risk Manager and cross-functional teams, you'll contribute to loss reduction, financial efficiencies, and operational resilience. Here's a snapshot of your responsibilities:
  • Vendor and Subcontractor Evaluation: Ensure compliance with Cotton's insurance requirements for all new vendors and subcontractors.
  • Certificates of Insurance Program: Lead and maintain the certificates of insurance program for Cotton and its affiliates.
  • Bonding and Surety Management: Manage our bonding and surety program to align with project needs.
  • Insurance Contract Review: Evaluate contract language to ensure adherence to Cotton insurance standards.
  • Claims and Risk Analysis: Support claims management and risk analysis projects to identify improvement opportunities.
  • Policy Development: Assist in developing and updating company and departmental policies and procedures.
  • Documentation and Reporting: Prepare and maintain required documentation for underwriting renewals and risk assessments.
  • Contract Assistance: Collaborate with clients and vendors on contract preparation, review, and revisions.
  • Impactful Work: Play a critical role in mitigating risks and ensuring financial and operational efficiency.
  • Collaborative Culture: Work alongside industry leaders and dedicated professionals who thrive in a fast-paced environment.
  • Career Growth: Expand your skills in risk management, insurance, and cross-functional collaboration.
  • Comprehensive Benefits: Enjoy competitive compensation, health insurance, and opportunities for professional development.


What You Bring to the Table

  • Education & Designations: Bachelor's degree in Risk Management, Insurance, or Business.  ARM, CRM or CPCU preferred or willing to obtain.
  • Experience: Recent college graduates are encouraged to apply. We offer real-world experience, exposure to senior leadership, and a clear path for professional growth within our organization. 

Skills:
  • Strong communication and computer skills.
  • Proficiency in insurance and risk management practices.
  • Familiarity with contract review, vendor management, and certificates of insurance.
  • Ability to handle multiple projects and adapt to shifting priorities.
  • Industry Knowledge: Familiarity with the construction, restoration, culinary, or trucking industry is a plus.


  • Impactful Work: Make a difference by helping businesses prepare for and recover from disasters.
  • Collaborative Culture: Work alongside passionate, talented professionals in a fast-paced environment.
  • Career Growth: Expand your skills and grow within a dynamic, industry-leading company.
  • Competitive Compensation & Benefits: Enjoy a strong benefits package, including healthcare, retirement plans, and more.

Apply