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Insurance Risk Manager Jobs in Miami Beach, FL (NOW HIRING)

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Insurance Risk Manager information

See Miami Beach, FL salary details

$81.5K

$120K

$183.7K

How much do insurance risk manager jobs pay per year?

As of Jul 14, 2026, the average yearly pay for insurance risk manager in Miami Beach, FL is $119,988.00, according to ZipRecruiter salary data. Most workers in this role earn between $99,700.00 and $136,300.00 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 job categories do people searching Insurance Risk Manager jobs in Miami Beach, FL look for? The top searched job categories for Insurance Risk Manager jobs in Miami Beach, FL are:
What cities near Miami Beach, FL are hiring for Insurance Risk Manager jobs? Cities near Miami Beach, FL with the most Insurance Risk Manager job openings:
Insurance Risk Manager jobs near you
Infographic showing various Insurance Risk Manager job openings in Miami Beach, FL as of July 2026, with employment types broken down into 1% As Needed, 73% Full Time, 22% Part Time, and 4% Contract. Highlights an 90% Physical, 1% Hybrid, and 9% Remote job distribution, with an average salary of $119,988 per year, or $57.7 per hour.

Risk Manager - Telecom Construction

Blue Streak Telecommunications LLC

Miami, FL • On-site

$95K - $120K/yr

Full-time

Posted 29 days ago

Job description

Focus: Cost Control & Litigation Management (GL & Auto Claims)
Position Summary
The Risk Manager is responsible for controlling risk exposure and minimizing financial loss for a telecommunications construction company, with primary responsibility for major insurance claims ( GL&Auto)
This role plays a critical part in claims cost containment, litigation oversight, and insurance spend management, working closely with carriers, counsel, and internal stakeholders.
Key Responsibilities
Claims & Litigation Management
  • Manage general liability and auto claims from intake through resolution, including litigated matters
  • Serve as the primary point of contact for outside counsel, insurance carriers, adjusters, and TPAs
  • Oversee litigation strategy, monitor defense counsel performance, and ensure cases are handled efficiently
  • Review pleadings, discovery, settlement demands, and litigation budgets
  • Participate in settlement negotiations to achieve timely and cost-effective resolutions
  • Ensure claims are properly reserved and escalated when exposure increases

Cost Control & Financial Oversight
  • Actively manage legal spend and claim-related costs, including reviewing invoices and challenging unnecessary or excessive billing
  • Track claim trends, loss ratios, and litigation outcomes to identify cost drivers
  • Implement strategies to reduce claim frequency, severity, and legal expenses
  • Work with carriers to control reserves, negotiate settlements, and close claims efficiently
  • Support insurance renewals by providing loss data, claim analysis, and cost mitigation strategies

Risk & Contract Oversight
  • Review contracts, indemnification language, and insurance requirements to limit exposure
  • Ensure proper certificates of insurance and coverage compliance for subcontractors
  • Identify operational and fleet-related risk exposures and recommend corrective actions

Reporting & Collaboration
  • Prepare regular reports on claim status, litigation exposure, legal spend, and cost savings
  • Partner with operations, safety, and leadership teams to reduce risk and prevent future losses
  • Educate internal teams on claims reporting procedures and risk reduction best practices

Qualifications
  • 5+ years of experience in risk management, claims, or litigation management within construction, telecom, or infrastructure
  • Strong expertise in general liability and commercial auto claims, including litigated matters
  • Proven experience managing legal spend and cost containment initiatives
  • Ability to work effectively with attorneys, insurance carriers, and senior leadership
  • Strong negotiation, analytical, and communication skills

Preferred Experience
  • Telecom or utility construction background
  • Fleet and driver-related claims experience
  • Experience managing high-risk insurance programs and complex claims portfolios

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