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Insurance Risk Assessment Jobs in California (NOW HIRING)

HomeServices Insurance

Insurance Producer

San Carlos, CA · On-site

$24.03 - $28.84/hr

As a key player on our high-performing team, you'll assess client risk, deliver customized coverage ... Market and sell personal lines insurance policies. Proactively contact all leads to recommend ...

Luster National

Risk Specialist

Sacramento, CA · On-site

$52 - $96/hr

Review and challenge project-level risk assessments to ensure accuracy and effectiveness ... Life insurance and accidental death and dismemberment * 401(k) plan with guaranteed employer ...

Cordoba Corporation

Risk Specialist

Sacramento, CA

$75K - $105K/yr

Review and challenge project-level risk assessments to ensure accuracy and effectiveness ... We offer multiple medical and dental insurance plans, as well as vision insurance. Plans are ...

Cordoba Corporation

Risk Specialist

Sacramento, CA · On-site

$75K - $105K/yr

Review and challenge project-level risk assessments to ensure accuracy and effectiveness ... We offer multiple medical and dental insurance plans, as well as vision insurance. Plans are ...

Cordoba Corporation

Risk Specialist

Sacramento, CA

$75K - $105K/yr

Review and challenge project-level risk assessments to ensure accuracy and effectiveness ... We offer multiple medical and dental insurance plans, as well as vision insurance. Plans are ...

Luster National

Risk Specialist

Sacramento, CA · On-site

$52 - $96/hr

Review and challenge project-level risk assessments to ensure accuracy and effectiveness ... Life insurance and accidental death and dismemberment * 401(k) plan with guaranteed employer ...

Marsh McLennan Agency

Risk Consultant

Los Angeles, CA · On-site

... insurance specialty areas. * Advanced knowledge, skills and experience in a specialized field, service planning and delivery, risk assessment, risk analysis, solutions management and progress ...

AmTrust Financial Services, Inc.

$500K/yr

Conduct comprehensive onsite risk assessments for designated large workers' compensation accounts ... Strong understanding of P&C insurance coverages, risk management principles, and loss control ...

AmTrust Financial Services, Inc.

$500K/yr

Conduct comprehensive onsite risk assessments for designated large workers' compensation accounts ... Strong understanding of P&C insurance coverages, risk management principles, and loss control ...

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Insurance Risk Assessment information

See California salary details

$81.4K

$119.9K

$183.6K

How much do insurance risk assessment jobs pay per year?

As of Jul 16, 2026, the average yearly pay for insurance risk assessment in California is $119,914.00, according to ZipRecruiter salary data. Most workers in this role earn between $99,700.00 and $136,200.00 per year, depending on experience, location, and employer.

What is an Insurance Risk Assessment job?

An Insurance Risk Assessment job involves evaluating potential risks associated with insuring individuals, businesses, or assets. Professionals in this role analyze data, assess policyholder information, and determine the likelihood of claims to set appropriate premiums and coverage terms. They use industry guidelines, statistical models, and market factors to make informed decisions. The goal is to minimize financial risk for the insurance company while ensuring fair and accurate policy pricing for clients.

Is insurance risk management a good career?

Insurance risk management is a stable career that involves analyzing and mitigating risks to help companies minimize financial losses. It requires strong analytical skills, knowledge of insurance policies, and often professional certifications such as the CPCU or ARM. The field offers opportunities for advancement and typically involves a standard office schedule.

What does a typical day look like for someone working in Insurance Risk Assessment?

A typical day for an Insurance Risk Assessment professional involves analyzing new and existing insurance applications, assessing risk profiles using specialized software, interpreting actuarial data, and preparing detailed reports for underwriting teams. You will also collaborate closely with claims adjusters, underwriters, and occasionally clients to gather information and communicate findings. Many roles involve regular meetings to discuss trends in risk exposure, as well as ongoing education to stay current with industry regulations and best practices. The environment is often collaborative and analytical, providing opportunities to develop both technical expertise and professional relationships.

What does an insurance risk assessor do?

An insurance risk assessor evaluates the risks associated with insuring individuals or properties by analyzing data, conducting inspections, and assessing potential hazards. They use tools like risk assessment software and often hold certifications such as the Chartered Insurance Institute (CII) designation. Their findings help insurance companies determine policy terms, premiums, and coverage options.

What are the key skills and qualifications needed to thrive in the Insurance Risk Assessment position, and why are they important?

To thrive in Insurance Risk Assessment, you need a solid understanding of risk analysis, data interpretation, actuarial principles, and typically a degree in finance, mathematics, or a related field. Familiarity with risk modeling software like RMS, data analytics tools, and relevant certifications such as Associate of the Society of Actuaries (ASA) are highly valued. Strong decision-making, analytical thinking, and effective communication skills distinguish top performers in this profession. These abilities are vital to accurately evaluate potential risks, influence insurance policies, and ensure sound, data-driven recommendations for the organization.

How to become an insurance risk analyst?

To become an insurance risk analyst, typically a bachelor's degree in finance, economics, or a related field is required. Gaining experience in insurance or risk management, developing strong analytical skills, and obtaining certifications such as the Associate in Risk Management (ARM) can enhance job prospects.

How to become an insurance risk assessor?

To become an insurance risk assessor, typically one needs a bachelor's degree in fields like risk management, finance, or insurance, along with relevant work experience. Developing skills in data analysis, risk evaluation, and familiarity with insurance policies and tools is important, and professional certifications such as the Chartered Property Casualty Underwriter (CPCU) can enhance prospects.
What are the most commonly searched types of Insurance Risk Assessment jobs in California? The most popular types of Insurance Risk Assessment jobs in California are:
What are popular job titles related to Insurance Risk Assessment jobs in California? For Insurance Risk Assessment jobs in California, the most frequently searched job titles are:
What job categories do people searching Insurance Risk Assessment jobs in California look for? The top searched job categories for Insurance Risk Assessment jobs in California are:
Insurance Risk Assessment jobs near you
Infographic showing various Insurance Risk Assessment job openings in California as of July 2026, with employment types broken down into 100% Full Time. Highlights an 86% In-person, and 14% Remote job distribution, with an average salary of $119,914 per year, or $57.7 per hour.
Insurance Producer

Insurance Producer

HomeServices Insurance

San Carlos, CA • On-site

$24.03 - $28.84/hr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted yesterday

Job description

Step into a dynamic, client-focused role at HomeServices Insurance (HSI)-a trusted name under the HomeServices of America family-where your expertise in personal and commercial insurance becomes a powerful asset in protecting what matters most. As a key player on our high-performing team, you'll assess client risk, deliver customized coverage solutions, and drive results through proactive sales, relationship-building, and strategic insurance placement. HSI offers a highly competitive incentive plan directly tied to new business production-with unlimited earning potential-empowering you to take control of your success while growing your career within one of the nation's most respected real estate networks.
Job Duties and Responsibilities (Essential Job Functions)
  1. Market and sell personal lines insurance policies. Proactively contact all leads to recommend appropriate insurance, quote and place coverage. Identify and assess client risk exposures. (65-75%)
  2. Foster referral relationships with all real estate personnel including agents, office managers and mortgage brokers to maximize sales opportunities. (20-25%)
  3. Provide work direction as appropriate to new business specialists to ensure all aspects of client on-boarding are completed properly and in a timely manner. (0-5%)
  4. Actively monitor and report to management any circumstances that may lead to a potential or actual insurance errors and omissions claim, DOI (department of insurance) or related complaints. (0-5%)
  5. Remain current on industry trends and specific carrier underwriting requirements. Follow all company procedures and processing guidelines. (0-5%)
  6. Ensure license remains current to include taking CEUs as needed in a timely manner. (0-5%)
  7. Perform any additional responsibilities as requested or assigned. (0-5%)

Performance Expectations
  • Meet all performance and behavior expectations outlined in the company performance appraisal form or communicated by management.
  • Perform responsibilities as directed achieving desired results within expected time frames and with a high degree of quality and professionalism.
  • Establish and maintain positive and productive work relationships with all staff, customers and business partners.
  • Demonstrate the behavioral and technical competencies necessary to effectively complete job responsibilities. Take personal initiative for technical and professional development.
  • Follow the company HR Policy, the Code of Business Conduct and all subsidiary and department policies and procedures, including protecting confidential company information, attending work punctually and regularly, and following good safety practices in all activities.

Qualifications
Education:
  • Associate's degree or equivalent work experience and knowledge; bachelor's degree preferred.

Experience:
  • Two years' successful personal lines insurance sales experience.

Knowledge and Skills:
  • Excellent sales and marketing skills.
  • Working knowledge of insurance agency operations, coverages, rates, markets and applicable insurance laws/codes.
  • Working knowledge of risk assessment and risk management techniques.
  • Excellent analytical, problem-solving and decision-making skills.
  • Excellent oral, written and interpersonal skills.
  • Excellent automation, time management, and organizational skills.
  • Knowledge of real estate, title, and/or mortgage businesses preferred.
  • Appropriate state agent/broker personal lines insurance license.

Wage: $24.03 - $28.84 hourly; actual wage is based upon education and experience. Potential for formulary incentive plan, based on financial results.
Benefits: Full suite of benefits including Medical, Health Savings Account, Dental, Vision, Life Insurance, Paid Vacation (PTO), 401(k) with employer match, Flexible Spending Account, and Employee Assistance Program (EAP)
Equal Opportunity Employer
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights notice from the Department of Labor.

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