Insurance Risk Manager Jobs in Houston, TX (NOW HIRING)

POSITION SUMMARY

In ON.energy we are looking for a Risk and Insurance Manager to be responsible for owning and coordinating the company's corporate insurance program, claims coordination, contractual risk compliance, covenant monitoring, and cross-functional risk information management. This is a hands-on operational role designed to ensure the organization is adequately protected, well-documented, and properly informed on risk-related matters. The role reports to the Head of Corporate Finance and is expected to grow in scope over time as the organization's risk management function matures.

CORE RESPONSIBILITIES

The following responsibilities represent the immediate mandate of this role. These are areas the Risk Manager is expected to own and drive from day one.

Corporate Insurance Program

• Own and manage the company's full insurance portfolio, including General Liability, Property, D&O, E&O, Cyber, Workers' Compensation, Auto, Umbrella/Excess, and specialty lines.
• Maintain a centralized system tracking all policies, coverage limits, deductibles, exclusions, premium schedules, and expiration/maturity dates - ensuring no lapse in coverage at any time.
• Lead the annual renewal process: gather underwriting data, engage brokers, negotiate terms and premiums, and finalize placements.
• Review policy terms and conditions to verify adequacy of coverage relative to the company's risk profile; identify and address coverage gaps or overlaps as the business evolves.
• Manage relationships with insurance brokers, carriers, and third-party administrators.

Claims Coordination & Documentation

• Coordinate the end-to-end management of insurance claims, working closely with Legal, Operations, HR, and external adjusters.
• Maintain detailed claims records and track outcomes to identify trends and inform future coverage decisions.
• Escalate high-severity claims to senior leadership and work with legal counsel on complex or disputed matters, subrogation opportunities, and litigation support.

Contractual Risk Review, Insurance Compliance & Covenant Monitoring

• Review contracts and vendor agreements for risk transfer provisions, indemnification clauses, and insurance requirements.
• Ensure third-party vendors and contractors maintain adequate insurance coverage and provide certificates of insurance as required.
• Ensure the company's own coverage satisfies contractual requirements imposed by clients, landlords, lenders, and other counterparties.
• Monitor and track corporate covenant compliance obligations related to insurance, risk, and contractual requirements - maintaining a covenant calendar and coordinating with Finance and Legal to ensure timely fulfillment and reporting.

Cross-Functional Risk Coordination

• Serve as the primary point of coordination for risk-related information across Finance, Legal, HR, Development, and Operations.
• Prepare periodic management-level risk reports summarizing insurance program status, open claims, renewal timelines, and key risk exposures.
• Monitor regulatory and legislative changes that could impact the company's insurance obligations or risk profile.

QUALIFICATIONS & REQUIREMENTS

Education

• Bachelor's degree in Risk Management, Finance, Business Administration, or a related field (required).
• Professional certifications preferred: ARM (Associate in Risk Management), CPCU (Chartered Property Casualty Underwriter), or CRM (Certified Risk Manager).

Experience

• Minimum 4-6 years of experience in insurance management, risk operations, or a closely related field.
• Demonstrated hands-on experience managing commercial insurance programs across multiple lines of coverage.
• Proven track record of owning insurance renewals, managing broker relationships, and coordinating claims.
• Experience reviewing contracts for insurance and indemnification requirements.
• Experience working across departments (Legal, Finance, Operations, HR) in a coordination role.

Skills & Competencies

• Exceptional organizational skills - able to track multiple policies, renewals, deadlines, and claims simultaneously.
• Strong attention to detail in reviewing policy language, contract terms, and compliance requirements.
• Clear written and verbal communication skills; comfortable preparing management-level summaries and reports.
• Proficiency in MS Office Suite (Excel, Word, PowerPoint); familiarity with risk or insurance management software is a plus.
• Collaborative and resourceful - able to coordinate across functions without direct authority.
• Sound judgment on when to escalate issues and how to prioritize competing demands.
• Bilingual proficiency in English and Spanish (spoken and written) is a plus, given the company's operational footprint.