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Preferred Risk Insurance Jobs in Tennessee (NOW HIRING)

Job Summary and Qualifications This is an integral position within HCA Healthcare's Risk ... Insurance Certification is preferred * Property & Casualty Insurance Broker License is preferred.

Job Summary and Qualifications This is an integral position within HCA Healthcare's Risk ... Insurance Certification is preferred * Property & Casualty Insurance Broker License is preferred.

Job Summary and Qualifications This is an integral position within HCA Healthcare's Risk ... Insurance Certification is preferred * Property & Casualty Insurance Broker License is preferred.

Job Summary and Qualifications This is an integral position within HCA Healthcare's Risk ... Insurance Certification is preferred * Property & Casualty Insurance Broker License is preferred.

Description Insurance & Risk Manager ABOUT ORANO Join our team to help meet current and future ... PREFERRED REQUIREMENTS: * Professional insurance certifications such as ARM, CPCU, CRM, or ...

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Preferred Risk Insurance information

What is preferred risk insurance?

Preferred Risk Insurance refers to insurance policies offered to individuals or businesses that are considered low risk by insurance companies. These policyholders typically have a favorable claims history, good credit, and other positive risk factors, which can result in lower premiums and better coverage options. Preferred risk categories exist in various types of insurance, including auto, home, and life insurance, and are used by insurers to reward responsible customers. Being classified as a preferred risk can help you save money and access more comprehensive insurance products.

What are the key skills and qualifications needed to thrive as a preferred risk insurance underwriter?

To thrive as a Preferred Risk Insurance Underwriter, you need a solid understanding of risk assessment, insurance policies, and underwriting principles, typically supported by a bachelor's degree in finance, business, or a related field. Familiarity with underwriting software, industry databases, and insurance regulations is crucial, and professional certifications like CPCU or AU are often preferred. Strong analytical thinking, attention to detail, and effective communication are vital soft skills for evaluating applications and collaborating with agents or clients. These skills ensure accurate risk evaluation, profitable decision-making, and regulatory compliance within the insurance industry.

What are some common challenges faced by professionals working in preferred risk insurance, and how can they effectively address them?

Professionals in Preferred Risk Insurance often face the challenge of accurately assessing and underwriting applicants who fall within favorable risk categories, while ensuring compliance with regulatory standards. Balancing competitive pricing with profitability is another key challenge, as is staying updated on evolving risk factors and industry trends. To address these issues, it's important to maintain strong analytical skills, foster clear communication with underwriting and sales teams, and regularly participate in training sessions or industry seminars. Collaboration with actuaries and claims specialists is also essential to ensure consistent risk evaluation and policy management.

What is the difference between Preferred Risk Insurance vs Commercial Insurance Agent?

AspectPreferred Risk InsuranceCommercial Insurance Agent
CredentialsLicenses required, often with specific state certificationsSame licenses, may require additional certifications for commercial policies
Work EnvironmentPrimarily office-based, handling personal insurance policiesOffice and client meetings, handling business and commercial policies
Industry UsageUsed by insurance companies to classify low-risk clientsUsed by agents to sell various insurance products, including commercial policies

Preferred Risk Insurance typically refers to clients or policies with lower risk profiles, often handled by agents specializing in personal insurance. Commercial Insurance Agents focus on selling policies for businesses, which usually involve higher risks. While both roles require licensing and industry knowledge, Preferred Risk Insurance emphasizes low-risk personal policies, whereas Commercial Insurance Agents deal with business-related coverage.

What are popular job titles related to Preferred Risk Insurance jobs in Tennessee?

For Preferred Risk Insurance jobs in Tennessee, the most frequently searched job titles are:

What job categories do people searching Preferred Risk Insurance jobs in Tennessee look for?

The top searched job categories for Preferred Risk Insurance jobs in Tennessee are:

What cities in Tennessee are hiring for Preferred Risk Insurance jobs?

Cities in Tennessee with the most Preferred Risk Insurance job openings:

Infographic showing various Preferred Risk Insurance job openings in Tennessee as of August 2026, with employment types broken down into 1% As Needed, 74% Full Time, 20% Part Time, and 5% Contract. Highlights an 91% Physical, 1% Hybrid, and 8% Remote job distribution.

Insurance Manager

HCA Healthcare

Lebanon, TN • On-site

Other

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 12 days ago


HCA Healthcare rating

6.5

Company rating: 6.5 out of 10

Based on 2,300 frontline employees who took The Breakroom Quiz

607th of 893 rated healthcare providers


Job description

Do you want to join an organization that invests in you as an Insurance Manager? At HCA Healthcare, you come first. HCA Healthcare has committed up to $300 million in programs to support our incredible team members over the course of three years.

Job Summary and Qualifications

This is an integral position within HCA Healthcare’s Risk & Insurance department and on behalf of the insurance company subsidiary Health Care Indemnity, Inc. (HCI) reporting directly to the Director of Insurance Operations. This position supports the Insurance Operations segment of the Risk & Insurance Department. You will analyze insurance coverage requests from the HCA Legal department, Health Care Indemnity, Inc., and other departments to make timely coverage determinations. You will also support the Insurance team to include research and completion of applications and data submissions. You will also handle certificate requests for the HCA Legal department and review contracts for acceptable insurance related content.

Job Responsibilities:

  • Review and analyze claims and lawsuits in order to make a timely determination of coverage. This requires a thorough understanding of the HCI policies as well as all other insurance coverages available to HCA and facilities, and the ability to effectively communicate the rationale for the coverage decision.
  • Assist with insurance renewals by completing required applications and data submissions. This often requires research and evaluation to determine completeness and adequacy of the responses.
  • Communicate clear binding instructions to insurance brokers and review of binders and policies to confirm contract certainty.
  • Evaluate and respond to all HCI certificate requests from the Legal department to evidence appropriate coverage for claims.
  • Review and advise Corporate and field colleagues on appropriate insurance and indemnification contract language.
  • Maintain the premium and insurance schedules.
  • Validate and issue annual FEIN report for workers’ compensation administration.
  • Manage the ongoing data integrity efforts including the audits of various insurance database exposures.
  • Assist with providing accurate and timely data enhancement on the property database with our broker and risk information management vendor(s).
  • Edit and maintain the Insurance Coverage Guide on Atlas to assure information is current and accurate.

Job Requirements:

  • Bachelor’s degree is required
  • 5+ years of experience in insurance underwriting or corporate insurance function is required
  • Excellent communication, organizational, computer and presentation skills are required
  • Insurance Certification is preferred
  • Property & Casualty Insurance Broker License is preferred. 
Benefits

HCA Healthcare, offers a total rewards package that supports the health, life, career and retirement of our colleagues. The available plans and programs include:

  • Comprehensive benefits for medical, prescription drug, dental, vision, behavioral health and telemedicine services
  • Wellbeing support, including free counseling and referral services
  • Time away from work programs for paid time off, paid family leave, long- and short-term disability coverage and leaves of absence
  • Savings and retirement resources, including a 401(k) Plan with a 100% match on 3% to 9% of pay (based on years of service), Employee Stock Purchase Plan, flexible spending accounts, preferred banking partnerships, retirement readiness tools, rollover support and financial wellbeing counseling
  • Education support through tuition assistance, student loan assistance, certification support, dependent scholarships and a partnership with Galen College of Nursing
  • Additional benefits for fertility and family building, adoption assistance, life insurance, supplemental health protection plans, auto and home insurance, legal counseling, identity theft protection and consumer discounts

Learn more about Employee Benefits

Note: Eligibility for benefits may vary by location.

HCA Healthcare (Corporate), based in Nashville, Tennessee, supports a variety of corporate roles from business operations to administrative positions. Like our colleagues in any HCA Healthcare hospital, our corporate campus employees enjoy unparalleled resources and opportunities to reach their potential as healthcare leaders and innovators. From market rate compensation to continuing education and career advancement opportunities, every person has a solid foundation for success. Nashville is also home to our Executive Development Program, where exceptional employees are groomed to take on CNO- and COO-level roles in our hospitals. This selective program focuses on ethics, leadership and the financial and clinical knowledge required of professionals at this level of the industry.

HCA Healthcare has been recognized as one of the World's Most Ethical Companies® by the Ethisphere Institute more than ten times. In recent years, HCA Healthcare spent an estimated $3.7 billion in cost for the delivery of charitable care, uninsured discounts, and other uncompensated expenses.


"Good people beget good people."- Dr. Thomas Frist, Sr.
HCA Healthcare Co-Founder

We are a family 270,000 dedicated professionals! Our Talent Acquisition team is reviewing applications for our Insurance Manager opening. Qualified candidates will be contacted for interviews. Submit your resume today to join our community of caring!

We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.


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