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Insurance Risk Advisor information

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$26.5K

$65.6K

$101K

How much do insurance risk advisor jobs pay per year?

As of Jul 9, 2026, the average yearly pay for insurance risk advisor in the United States is $65,610.00, according to ZipRecruiter salary data. Most workers in this role earn between $48,000.00 and $80,000.00 per year, depending on experience, location, and employer.

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

AspectInsurance Risk AdvisorInsurance Underwriter
CredentialsCertifications like CPCU, ARM, or CIC often preferredSimilar certifications may be required, such as CPCU or ARM
Work EnvironmentAdvises clients, assesses risks, works in offices or client sitesEvaluates applications, works in underwriting departments, often in office settings
Employer & Industry UsageUsed by insurance agencies, brokers, and consultanciesPrimarily employed by insurance companies and underwriting firms
Search & Comparison IntentPeople compare roles related to risk assessment and client advisingPeople compare roles focused on evaluating insurance applications

While both roles involve risk assessment, Insurance Risk Advisors focus on advising clients and assessing risks in real-world scenarios, whereas Insurance Underwriters evaluate applications to determine coverage and premiums. Both roles require similar credentials and are integral to the insurance industry, but they differ in daily responsibilities and work environment.

How does an Insurance Risk Advisor typically collaborate with underwriters and clients during the risk assessment process?

Insurance Risk Advisors work closely with underwriters to evaluate and quantify risks associated with potential clients or policies. They gather and analyze detailed information from clients about their operations, exposures, and risk management practices, then communicate these findings to underwriters to help determine appropriate coverage and pricing. Effective collaboration ensures that clients receive tailored insurance solutions while managing the insurer’s risk. Advisors also act as a bridge, explaining risk mitigation options to clients and helping them implement recommendations for improved insurability.

Is insurance risk management a good career?

Insurance risk management is a stable and growing field that involves identifying and analyzing potential risks to help companies minimize financial losses. It often requires strong analytical skills, certifications such as the CPCU or ARM, and knowledge of insurance policies and regulations. The role offers opportunities for advancement and can be found in various industries and organizations.

What does an insurance risk advisor do?

An insurance risk advisor assesses clients' insurance needs and evaluates potential risks to recommend appropriate coverage options. They analyze data, review policies, and help clients understand policy terms, often using industry tools and requiring relevant certifications. Their goal is to minimize clients' financial exposure by advising on risk management strategies.

How to become a risk advisor?

To become an insurance risk advisor, typically one needs a bachelor's degree in finance, business, or a related field, along with strong analytical and communication skills. Gaining industry-specific certifications such as the Chartered Risk Analyst (CRA) or Certified Risk Manager (CRM) can enhance credibility and job prospects. Relevant experience in insurance, risk assessment, or underwriting is also valuable for advancing in this role.

What is the highest paid position in insurance?

In the insurance industry, executive roles such as Chief Executive Officer (CEO), Chief Underwriting Officer, and Chief Risk Officer tend to be the highest paid positions, often earning multi-million dollar compensation packages. These roles require extensive experience, leadership skills, and often advanced certifications or degrees, and they oversee company strategy, risk management, and operations.

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

To succeed as an Insurance Risk Advisor, you need a solid background in risk assessment, insurance products, and regulatory compliance, usually supported by a relevant degree and professional certifications such as ARM or CPCU. Familiarity with risk analysis software, CRM systems, and data modeling tools is often required. Excellent communication, problem-solving, and negotiation skills help build trust with clients and effectively convey complex risk information. These abilities are crucial for advising clients accurately, mitigating potential losses, and ensuring regulatory adherence in a dynamic insurance market.
More about Insurance Risk Advisor jobs
What job categories do people searching Insurance Risk Advisor jobs look for? The top searched job categories for Insurance Risk Advisor jobs are:
Insurance Risk Advisor jobs near you
Infographic showing various Insurance Risk Advisor job openings in the United States as of July 2026, with employment types broken down into 93% Full Time, 6% Part Time, and 1% Contract. Highlights an 72% Physical, 3% Hybrid, and 25% Remote job distribution, with an average salary of $65,610 per year, or $31.5 per hour.

Personal Risk Advisor

USI Holdings Corporation

New York, NY • On-site

$90K - $130K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 3 days ago

Job description

Description and Requirements
General Description: The USI Insurance Services Personal Risk Practice provides comprehensive risk management and insurance consultation to high net worth individuals and family offices with complex financial and insurance needs. The Private Risk Advisor (PRA) is an outside sales position responsible for cultivating relationships with all partners and entities within USI, strategic partners and centers of influence specifically focused on the high net worth and family office marketplace.
Job Description
  • Promote the USI Private Risk Advisor suite of solutions by cultivating robust business partnerships and relationships with centers of influence (COIs) and trusted advisors to financially successful families.
  • Attract new clients to Private Risk that meet the minimum client profile standards.
  • Design risk management insurance programs to protect the personal assets, exposures and lifestyles of high net worth individuals, families and family offices
  • Implement comprehensive risk analysis reviews focused on identifying personal, professional and business exposures and addressing them with a suite of proprietary solutions and collective knowledge of the USI dedicated Personal Risk team.
  • Prepare and executes strategic sales plans for identifying and qualifying prospective clients, building a network of Centers of Influence and being a thought leader within the wealth management industry.
  • Deliver targeted profitable revenue growth through new revenue generation and client retention strategies in partnership with a client service team
  • Deliver exceptional client experiences utilizing a customized consultative selling approach, positioning the value and focus of the client service team and their ongoing stewardship of the programs.
  • Create & deliver professional presentations and proposals to internal and external clients and prospects illustrating the USI value proposition, industry trends and customized insurance solutions.
  • Position value added services and partnerships to key stakeholders and trusted advisors for mutual client and prospect benefit
  • expertise is maintained at the highest levels.
  • Gain and develop knowledge of industry trends as well as advise and influence development of innovative, bespoke solutions in response to client needs.
  • Engage, introduce and position value-added third-party subject matter experts in response to client needs.

Knowledge, Skills and Abilities:
  • 5+ years of High Net Worth sales experience
  • Excellent verbal, written, and interpersonal communication skills
  • Excellent presentation skills
  • Solid conflict resolution capabilities
  • Microsoft Office program proficiency
  • Ability to work effectively in a team environment where strong independent thinking skills are important
  • Ability to delegate effectively
  • Established network of COI's and a proven track record of sales success
  • Must possess a current P&C License

Why USI?
With approximately $3 billion in revenue and over 10,500 associates across approximately 200 offices nationwide, USI is one of the largest insurance brokerage and consulting firms in the world. At USI, we have created one of the most dynamic personal and professional development cultures in the industry. We invest heavily in our associates, and we take pride in celebrating their growth and success through our one-of-a-kind employee reward and recognition programs.
Unrivaled Resources and Support
What truly distinguishes USI as a premier insurance brokerage and consulting firm is the USI ONE Advantage®, a game-changing value proposition that delivers to clients a robust set of risk management and benefit solutions with bottom-line financial impact. USI ONE® represents Omni, Network, Enterprise-the three key elements that set USI apart from the competition. Through USI ONE, we develop strategic, timely, and effective risk management and benefit programs in terms that are easy to understand, and we demonstrate how the solutions can have a positive economic impact.
Premier Sales Rewards, Industry-Leading Programs, and RecognitionIn addition to competitive pay and commission, incentives, and benefits, USI recognizes our top sales associates through USI PEAK, recognizing and rewarding our sales professionals for achieving superior results. USI offers employee programs that recognize outstanding achievement and help our associates lead healthy, productive lives. We turn care into action with our award-winning wellness program, college scholarships for associates' children, and financial help in times of need.
Deep Community Engagement
We are committed to giving back to our local communities and supporting a culture of environmental sustainability. From sharing our time, talent, and resources to support local non-profit organizations, animal shelters, and environmental beautification and restoration projects - to partnering with eco-conscious vendors and taking steps to reduce our own environmental footprint - we're working together as ONE to build a better future.
Committed to a Diverse and Inclusive Workplace
Our award-winning I'm With U diversity and inclusion program educates our associates to help them better understand and serve our clients, prospects, fellow team members, and local communities through curated education and training resources, employee support programs, and community outreach initiatives to build a more diverse, equitable, and inclusive culture.
Nationally Recognized as a Top Insurance Employer
  • Recognized as one of Insurance Business America's Top Insurance Employers eight consecutive years (2018-2025).
  • Named to Business Insurance's annual list of the Best Places to Work in Insurance six years in a row (2020-2025).
  • Named to Fortune's Best Workplaces in Financial Services & Insurance list for the last two years (2024-2025).
  • Certified as a Great Place To Work two years in a row (2024-2025).

Visit our Awards and Accolades page for a complete list of our latest industry awards and recognitions!
USI is committed to providing a full-suite of competitive benefits for our growing population and its diverse needs. We offer a wide range of health, welfare and financial benefits including medical, wellness, dental and vision, 401(k), flexible spending and health savings accounts, short and long-term disability, life insurance and other unique employer-sponsored and voluntary programs. USI also offers a generous paid family leave benefit as well as paid holiday time.
Salary Range: $90,000 - 130,000
Bonus eligible position.

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