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Preferred Risk Insurance Jobs in Henrico, VA (NOW HIRING)

Alera Group

Risk Analyst

Richmond, VA · On-site +1

$87K - $110K/yr

OVERVIEW Risk Analyst Location: Deerfield, IL | Remote Department: Corporate Services Overview At ... Preferred Qualifications * Experience within a regulated industry such as insurance, financial ...

New

State of Virginia

Risk Analyst

Richmond, VA · Hybrid

$65K - $75K/yr

The Division of Risk Management provides broad risk management and insurance services for the ... claims, preferably involving public entities. Familiarity with reviewing a large volume of ...

New

YMCA

Risk Management Associate

Richmond, VA · On-site

$45K - $50K/yr

Support Risk Management department with issuance and maintenance of certificates of insurance ... BA/BS preferred in a related field. Two years of administrative support experience. Strong ...

Hourigan

Insurance Management Specialist

Richmond, VA

$63K - $107K/yr

As a key member of the Risk Management team, you will support the effective administration of ... Industry Experience: 3+ years preferred * Must possess knowledge and understanding of the ...

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All JobsPreferred Risk Insurance JobsPreferred Risk Insurance Jobs in Henrico, VA

Preferred Risk Insurance information

See Henrico, VA salary details

$13

$27

$67

How much do preferred risk insurance jobs pay per hour?

As of Aug 24, 2026, the average hourly pay for preferred risk insurance in Henrico, VA is $27.53, according to ZipRecruiter salary data. Most workers in this role earn between $17.69 and $35.14 per hour, depending on experience, location, and employer.

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 job categories do people searching Preferred Risk Insurance jobs in Henrico, VA look for?

The top searched job categories for Preferred Risk Insurance jobs in Henrico, VA are:

What cities near Henrico, VA are hiring for Preferred Risk Insurance jobs?

Cities near Henrico, VA with the most Preferred Risk Insurance job openings:

Preferred Risk Insurance jobs near you

Personal Risk Specialist

USI Insurance Services

Glen Allen, VA • On-site

$91K/yr

Other

Posted 21 days ago

USI Insurance Services rating

8.8

Company rating: 8.8 out of 10

Based on 67 frontline employees who took The Breakroom Quiz

55th of 311 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.

Responsibilities:

  • Schedule appointments and visit with high net worth individuals to understand the lifestyle, concerns and unique insurance needs of high net worth individuals, with the ability to provide consultative advice to tailor personal risk management solutions accordingly.
  • Achieve new business sales goals on an annualized basis based on our target market.
  • In order 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 the 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 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 confidence of Commercial Lines and Employee Benefits production staff.
  • Establish 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 development of prospect lists from business clients, maintaining activity records in USI CRM and sales tracking programs.

Knowledge, Skills and Abilities:

  • 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 team work 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 market place.
  • 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 MS Office suite of products.

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