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Insurance Risk Services Jobs in Miami, FL (NOW HIRING)

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Insurance Risk Services information

See Miami, FL salary details

$78.9K

$116.2K

$177.9K

How much do insurance risk services jobs pay per year?

As of Jun 9, 2026, the average yearly pay for insurance risk services in Miami, FL is $116,213.00, according to ZipRecruiter salary data. Most workers in this role earn between $96,600.00 and $132,000.00 per year, depending on experience, location, and employer.

What types of teams or departments will I work closely with in an Insurance Risk Services role?

In an Insurance Risk Services position, you will regularly collaborate with underwriting, claims, actuarial, and sales teams to evaluate client portfolios and develop risk mitigation strategies. You may also interact with clients directly to assess their operations and recommend ways to reduce potential exposures. This cross-departmental teamwork ensures a comprehensive approach to risk management and helps provide clients with tailored insurance solutions. Being comfortable working with diverse teams is crucial for success, as it fosters information sharing and aligned decision-making.

What is an Insurance Risk Services job?

An Insurance Risk Services job involves assessing, analyzing, and mitigating risks for insurance companies or clients. Professionals in this role evaluate potential financial losses, review policies, conduct risk assessments, and recommend strategies to minimize exposure. They may work in underwriting, claims, or risk consulting, ensuring that businesses and individuals are adequately protected. Strong analytical skills, industry knowledge, and regulatory compliance awareness are essential for success in this field.

What jobs make $3,000 a month without a degree?

In insurance risk services, roles such as claims adjusters, underwriters, or customer service representatives can earn around $3,000 monthly without a college degree, especially with experience or certifications. These jobs often require strong communication skills, attention to detail, and knowledge of insurance policies, with some positions offering on-the-job training or industry-specific certifications.

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

To excel in Insurance Risk Services, you need analytical skills, a solid understanding of risk assessment principles, and often a degree in finance, business, or a related field. Familiarity with risk management software, underwriting platforms, and professional certifications like ARM (Associate in Risk Management) are typically beneficial. Strong communication, attention to detail, and problem-solving abilities enable effective collaboration and decision-making. These skills are vital for accurately identifying, evaluating, and mitigating potential risks, which directly impact the stability and profitability of insurance organizations.

Is insurance risk management a good career?

Insurance risk management is a stable career that involves analyzing and mitigating risks for insurance companies or clients. It requires strong analytical skills, knowledge of insurance policies, and often certifications such as the Chartered Property Casualty Underwriter (CPCU). The field offers opportunities for advancement and typically involves a standard work schedule in office or remote environments.
What are popular job titles related to Insurance Risk Services jobs in Miami, FL? For Insurance Risk Services jobs in Miami, FL, the most frequently searched job titles are:
What job categories do people searching Insurance Risk Services jobs in Miami, FL look for? The top searched job categories for Insurance Risk Services jobs in Miami, FL are:
What cities near Miami, FL are hiring for Insurance Risk Services jobs? Cities near Miami, FL with the most Insurance Risk Services job openings:
Insurance Risk Services jobs near you
Infographic showing various Insurance Risk Services job openings in Miami, FL as of May 2026, with employment types broken down into 2% As Needed, 58% Full Time, 36% Part Time, 2% Temporary, and 2% Contract. Highlights an 92% Physical, 2% Hybrid, and 6% Remote job distribution, with an average salary of $116,213 per year, or $55.9 per hour.
Risk Manager - Insurance

Risk Manager - Insurance

Insurance Office of America

Hollywood, FL

$110K - $145K/yr

Full-time

Medical, Retirement

Posted 13 days ago

Insurance Office Of America rating

8.6

Company rating: 8.6 out of 10

Based on 5 frontline employees who took The Breakroom Quiz

73rd of 260 rated insurance

Job description

Description

Job Description:

Title: Risk Manager - Insurance 

Fully Remote: applicants in Eastern or Central Time Zone
Supporting: Longwood, FL | Required: Bachelor’s degree in Risk Management, Finance, Business, Insurance (or a related field), active P&C license
Please note: If this position is posted as either fully remote and/or hybrid, in accordance with company policy, individuals residing within a 50-mile radius of a branch location may be required to work onsite in a hybrid capacity as there may be occasions when on-site presence is necessary to meet specific business needs. Additionally, our remote work policy includes having a dedicated, distraction-free workspace. Remote work is not a substitute for childcare, elder care, or other personal responsibilities during working hours. To view our branch locations, please visit: ioausa.com/locations 
 

About the Role: The Insurance Broker – Risk Manager is responsible for identifying, assessing, and mitigating organizational risk through the design, placement, and ongoing management of insurance and risk financing programs. This role acts as a strategic advisor to clients or internal stakeholders, aligning insurance solutions with business objectives while ensuring regulatory compliance, cost efficiency, and effective claims management. 

 
Key Responsibilities: 

  • Risk Assessment: Conduct comprehensive risk evaluations across property, casualty, liability, professional, cyber, and related exposures to identify risk profiles. 

  • Exposure Analysis: Analyze loss history, operations, and contractual obligations to determine coverage requirements and risk tolerance. 

  • Risk Mitigation Strategy: Develop and implement strategies, including loss control and prevention initiatives, to reduce exposure and improve outcomes. 

  • Program Design & Placement: Design and structure insurance programs that align with client or organizational needs and risk profiles. 

  • Carrier Marketing & Negotiation: Market programs to carriers, negotiating terms, coverage, and pricing to achieve optimal results. 

  • Alternative Risk Solutions: Advise on risk financing strategies such as captives, self‑insurance, deductibles, and retention structures. 

  • Client Advisory: Serve as a trusted advisor to clients and leadership, providing guidance on risk management strategies and insurance solutions. 

  • Proposal & Renewal Strategy: Prepare and present risk analyses, insurance proposals, and renewal recommendations to stakeholders. 

  • Policy Administration: Review policies, endorsements, and certificates to ensure accuracy, adequacy, and proper coverage alignment. 

  • Compliance Management: Ensure adherence to regulatory requirements, contractual obligations, and internal risk management standards. 

  • Claims Oversight: Oversee claims reporting and resolution, coordinating with carriers, adjusters, and legal partners to drive favorable outcomes. 

  • Claims Analysis: Monitor claim trends and recommend corrective actions to reduce future losses and improve performance. 

  • Carrier & Stakeholder Collaboration: Partner with carriers and internal teams including Legal, Finance, HR, and Operations to align risk strategies. 

  • Market & Risk Intelligence: Stay informed on market trends, emerging risks, regulatory changes, and industry developments to provide proactive recommendations. 

  • Champion IOA Values: Demonstrate integrity and leadership. 

 
Ideal Candidate Qualifications: 

  • Bachelor’s degree in Risk Management, Finance, Business, Insurance, or related field; advanced degree preferred 

  • 5–10+ years of experience in insurance brokerage, risk management, or commercial insurance consulting. Active property & casualty licensing.

  • Proven expertise managing complex insurance programs and client relationships 

  • Professional designations such as CPCU, ARM, or CRM preferred; active insurance licensing as required 

  • Strong knowledge of commercial insurance products, coverage structures, and risk transfer strategies 

  • Excellent analytical, financial, negotiation, and problem‑solving skills 

  • Outstanding communication and presentation abilities with a consultative, relationship‑driven approach 

  • High attention to detail, strong organizational skills, and ability to manage multiple priorities 

 
What We Offer: 

  • Competitive salaries and bonus potential 

  • Company-paid health insurance 

  • Paid holidays, vacations, and sick time 

  • 401K with employer match 

  • Professional growth and career progression opportunities 

  • Respectful culture and work/family life balance 

  • Community service commitment 

  • Supportive teammates and a rewarding work environment 

 
What to Expect (Application Process): 

  • 30-Minute Phone Screen, Online Assessments, and Interview(s) 

Salary Range

The expected pay range for this position is $110,000.00 to $145,000.00 per year, depending on experience, relevant skills, and geographic location.

Insurance Office of America is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

Summary

The Insurance Broker – Risk Manager is responsible for identifying, assessing, and mitigating organizational risk through the design, placement, and ongoing management of insurance and risk financing programs. This role acts as a strategic advisor to clients or internal stakeholders, aligning insurance solutions with business objectives while ensuring regulatory compliance, cost efficiency, and effective claims management.

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