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

Cotton Holdings

Risk Analyst

Houston, TX

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 ...

Paychex

Risk Management Specialist

Sugar Land, TX

... Manager and Vice President of Risk Management by providing assistance to staff and members where ... Keep up and maintain credit union insurance policies. * Responsible for obtaining Certificates of ...

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All JobsInsurance Risk JobsInsurance Risk Manager JobsInsurance Risk Manager Jobs in Houston, TX

Insurance Risk Manager information

See Houston, TX salary details

$78.8K

$116K

$177.6K

How much do insurance risk manager jobs pay per year?

As of Jul 22, 2026, the average yearly pay for insurance risk manager in Houston, TX is $116,034.00, according to ZipRecruiter salary data. Most workers in this role earn between $96,500.00 and $131,800.00 per year, depending on experience, location, and employer.

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

To thrive as an Insurance Risk Manager, you need expertise in risk assessment, analytical thinking, and a strong understanding of insurance principles, often supported by a relevant degree and certifications like ARM or CPCU. Familiarity with risk modeling software, statistical analysis tools, and regulatory compliance systems is typically required. Strong communication, decision-making, and problem-solving skills help you effectively advise stakeholders and manage complex risk scenarios. These abilities are crucial for identifying, evaluating, and mitigating risks to protect organizational assets and ensure regulatory compliance.

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

AspectInsurance Risk ManagerInsurance Underwriter
CredentialsTypically requires a bachelor's degree in risk management, finance, or related fields; professional certifications like ARM or CPCU are commonUsually holds a bachelor's degree in finance, economics, or related areas; certifications like CPCU or ARe are beneficial
Work EnvironmentWorks in corporate risk management departments, analyzing and mitigating risks for the companyWorks in insurance companies, assessing individual or business applications to determine coverage and premiums
Employer & Industry UsageUsed by insurance companies and large corporations to manage risk exposurePrimarily employed by insurance carriers to evaluate and approve insurance policies

While both roles involve understanding insurance policies, the Insurance Risk Manager focuses on overall risk mitigation strategies within an organization, whereas the Insurance Underwriter evaluates individual insurance applications to determine coverage and pricing.

What does an Insurance Risk Manager do?

An Insurance Risk Manager is responsible for identifying, assessing, and mitigating risks that could negatively impact an organization’s assets, operations, or reputation. They analyze various types of risks—including financial, operational, and compliance risks—and develop strategies to minimize potential losses. Insurance Risk Managers also advise on appropriate insurance coverage, negotiate policies with insurers, and ensure that the company complies with relevant regulations to protect against unforeseen events.

What are the most common challenges Insurance Risk Managers face when working across different departments?

Insurance Risk Managers often collaborate with various departments such as underwriting, claims, and compliance to identify and mitigate potential risks. One common challenge is ensuring clear communication and alignment of risk policies across teams that may have different priorities or levels of risk awareness. Balancing regulatory requirements with business objectives can also be complex, requiring strong negotiation and relationship-building skills. Successfully navigating these challenges helps create a unified risk culture and strengthens the organization's overall resilience.
What are popular job titles related to Insurance Risk Manager jobs in Houston, TX? For Insurance Risk Manager jobs in Houston, TX, the most frequently searched job titles are:
What job categories do people searching Insurance Risk Manager jobs in Houston, TX look for? The top searched job categories for Insurance Risk Manager jobs in Houston, TX are:
What cities near Houston, TX are hiring for Insurance Risk Manager jobs? Cities near Houston, TX with the most Insurance Risk Manager job openings:
Insurance Risk Manager jobs near you
Infographic showing various Insurance Risk Manager job openings in Houston, TX as of July 2026, with employment types broken down into 1% As Needed, 73% Full Time, 21% Part Time, and 5% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $116,034 per year, or $55.8 per hour.
Risk Analyst

Risk Analyst

Cotton Holdings

Houston, TX

Full-time

Medical, Retirement

Posted 3 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