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Insurance Risk Specialist Jobs (NOW HIRING)

USI Insurance Services

Personal Risk Specialist

Woburn, MA

$107K/yr

Personal Risk Specialist The Personal Risk Specialist is an outside sales position focused on serving the unique insurance needs of affluent/high net worth clients. In addition to cross-selling, as a ...

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Insurance Risk Specialist information

See salary details

$38K

$100.5K

How much do insurance risk specialist jobs pay per year?

As of Jun 13, 2026, the average yearly pay for insurance risk specialist in the United States is $94,940.00, according to ZipRecruiter salary data. Most workers in this role earn between $98,500.00 and $98,500.00 per year, depending on experience, location, and employer.

What are some common challenges faced by Insurance Risk Specialists and how can they be addressed?

Insurance Risk Specialists often encounter challenges such as evaluating complex and evolving risks, staying current with regulatory changes, and balancing risk mitigation with business objectives. To address these, specialists typically engage in continuous learning, collaborate closely with underwriters, actuaries, and compliance teams, and leverage advanced risk assessment tools. Adapting to new technologies and maintaining strong communication with internal stakeholders also help in managing these challenges effectively.

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

To thrive as an Insurance Risk Specialist, you need strong analytical skills, knowledge of risk assessment methodologies, and typically a degree in finance, actuarial science, or a related field. Familiarity with risk modeling software, data analysis tools, and relevant certifications such as ARM (Associate in Risk Management) are commonly required. Excellent attention to detail, problem-solving abilities, and effective communication help you explain complex risks and collaborate with stakeholders. These skills are crucial for accurately identifying, evaluating, and mitigating potential risks to protect the company's financial health and ensure regulatory compliance.

What is the highest paid job in insurance?

In insurance, executive roles such as Chief Risk Officer or Chief Underwriting Officer tend to be the highest paid, often earning six-figure salaries plus bonuses. These positions require extensive experience, leadership skills, and industry knowledge, and they oversee risk management strategies and company policies.

What does a risk specialist do?

An Insurance Risk Specialist evaluates potential risks that could affect an insurance company's financial stability. They analyze data, assess risk exposure, and develop strategies to mitigate losses, often using tools like risk models and industry standards. Their work helps ensure the company's risk management practices are effective and compliant with regulations.

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

AspectInsurance Risk SpecialistInsurance Underwriter
Primary RoleAssess and analyze risks to inform insurance decisionsEvaluate applications and determine policy terms and premiums
CredentialsOften requires certifications like CPCU or ARMSimilar certifications, such as CPCU or ARe, are common
Work EnvironmentOffice-based, collaborating with agents and clientsOffice-based, working closely with agents and underwriters
Industry UsageUsed across insurance companies, brokers, and risk management firmsPrimarily within insurance companies and underwriting agencies

Both roles involve evaluating risks and often require similar certifications. The Insurance Risk Specialist focuses on analyzing and advising on risk factors, while the Insurance Underwriter makes final decisions on policy issuance and pricing. They work in similar environments and are integral to the insurance industry, often collaborating but with distinct responsibilities.

What does an Insurance Risk Specialist do?

An Insurance Risk Specialist is responsible for identifying, analyzing, and evaluating risks that could potentially impact an insurance company's portfolio or a client's insurance coverage. They assess the likelihood and potential impact of various risks, such as financial, operational, or environmental exposures, and recommend strategies to mitigate those risks. These professionals work closely with underwriters, actuaries, and clients to develop risk management policies and ensure compliance with regulations. Their goal is to help organizations minimize losses and make informed decisions about coverage and premiums.

How much do insurance risk advisors make?

Insurance risk specialists typically earn a median annual salary of around $70,000 to $90,000, depending on experience, location, and certifications. Senior or specialized roles can pay over $100,000, especially in large firms or high-risk industries. Compensation may also include bonuses and benefits related to risk assessment and management skills.

What is the highest paying insurance agent job?

The highest paying insurance agent roles are typically in specialized areas such as high-net-worth individual insurance, commercial insurance, or executive benefits, often requiring advanced certifications and extensive experience. These positions can offer six-figure incomes, especially for agents with a strong client base and expertise in complex policies.
More about Insurance Risk Specialist jobs
What cities are hiring for Insurance Risk Specialist jobs? Cities with the most Insurance Risk Specialist job openings:
What states have the most Insurance Risk Specialist jobs? States with the most job openings for Insurance Risk Specialist jobs include:
What job categories do people searching Insurance Risk Specialist jobs look for? The top searched job categories for Insurance Risk Specialist jobs are:
Insurance Risk Specialist jobs near you
Infographic showing various Insurance Risk Specialist job openings in the United States as of June 2026, with employment types broken down into 86% Full Time, 7% Part Time, and 7% Temporary. Highlights an 100% In-person job distribution, with an average salary of $94,940 per year, or $45.6 per hour.
Personal Risk Specialist

Personal Risk Specialist

USI Insurance Services

Los Angeles, CA

$106K/yr

Other

Posted 6 days ago

USI Insurance Services rating

9.5

Company rating: 9.5 out of 10

Based on 24 frontline employees who took The Breakroom Quiz

9th of 261 rated insurance

Job description

Personal Risk Specialist

The Personal Risk Specialist is an outside sales position focused on serving the unique insurance needs of affluent/high net worth clients. In addition to cross-selling, as a primary focus for business development, this role is also expected to establish additional sources of clients.

Primary responsibilities include:

  • Schedule appointments and visit with high net worth individuals to understand their lifestyle, concerns and unique insurance needs, and provide consultative advice to tailor personal risk management solutions accordingly.
  • Achieve new business sales goals on an annualized basis based on our target market.
  • To achieve the necessary revenue goals, the employee will be required to develop lists of prospective centers of influence and lead sources with clients that fall in the target group for the USI ONE Advantage ®.
  • Successfully penetrate assigned prospect targets utilizing USI's Engagement Platform process with prospective business partners such as lawyers, financial services professionals, realtors and other professionals that serve the affluent segment of the market.
  • Demonstrate the ability to identify and overcome sales obstacles on a prospect-specific basis.
  • Successfully develop and deploy sales and marketing strategies, along with periodic communications to optimize USI's position in the marketplace.
  • The Personal Risk Specialist will be required to meet with external centers of influence to prospect, engage and ultimately serve as a value-added service that is provided to the clients of the center of influence.
  • Build strong working relationships and win the confidence of Commercial Lines and Employee Benefits production staff.
  • Establish a relationship as a trusted partner and advisor to clients and prospects.
  • Develop and support cross-selling strategies for existing clients, as well as new relationships.
  • Participate and, as necessary, lead meetings with existing and prospective clients.
  • Manage employee and prospect data, including the development of prospect lists from business clients, maintaining activity records in USI's CRM and sales tracking programs.
  • Develop and oversee preparation of proposals for Personal Risk Management clients and prospects, research and assist in writing responses to clients and present individual personalized insurance programs to prospective clients.
  • Flexibility in schedule is a must – requires some evening hours.

Knowledge, skills and abilities include:

  • Ideal candidate will have a minimum of 3 years in High Net Worth or personal insurance sales or service.
  • Outstanding written and oral communication skills.
  • Must have personal lines insurance industry experience.
  • Ability to travel 50% or more of the time and meet with clients.
  • Good teamwork skills with an ability to work with minimum supervision.
  • Highly motivated, goal-oriented and organized individual that is driven to achieve individual sales goals.
  • Good customer service skills that can be applied to the sales process.
  • Strong knowledge of carriers and personal insurance marketplace.
  • Understand and commit to mutual objectives of the Personal Insurance Practice and Regional Office.
  • College degree preferred but high school diploma or graduate equivalent degree required.
  • Active property/casualty license required (or must be obtained within 60 days of hire).
  • Proficient in Microsoft Office suite of products.

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