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

AIG

Senior Underwriter, Political Risk

Miami, FL · On-site

$94K - $111K/yr

Experience (5+ years preferred) in the Political Risk Insurance market, including product features, forms, exigent risks. * Bachelor's degree from a four-year college or university, focused on ...

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Preferred Risk Insurance information

See Miami, FL salary details

$13

$29

$70

How much do preferred risk insurance jobs pay per hour?

As of Sep 14, 2026, the average hourly pay for preferred risk insurance in Miami, FL is $29.01, according to ZipRecruiter salary data. Most workers in this role earn between $18.61 and $37.02 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 are popular job titles related to Preferred Risk Insurance jobs in Miami, FL?

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

What job categories do people searching Preferred Risk Insurance jobs in Miami, FL look for?

The top searched job categories for Preferred Risk Insurance jobs in Miami, FL are:

What cities near Miami, FL are hiring for Preferred Risk Insurance jobs?

Cities near Miami, FL with the most Preferred Risk Insurance job openings:

Preferred Risk Insurance jobs near you
Infographic showing various Preferred Risk Insurance job openings in Miami, FL as of June 2026, with employment types broken down into 49% Full Time, 41% Part Time, and 10% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $60,351 per year, or $29 per hour.

Director of Risk, Insurance & Claims

Miami, FL • On-site

King Ocean Inc.
See more jobs at King Ocean Inc.external

Other

Re-posted 9 days ago

Key responsibilities

  • Manage the end-to-end processing of all cargo claims, including damage, loss, delay, and related disputes.

  • Oversee claims related to vessels, ships, and operational incidents.

  • Direct the company's comprehensive insurance portfolio.

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Director of Risk, Insurance & Claims

Full-Time Sweetwater, FL, US

30+ days ago Requisition ID: 1406

Director, Risk Management, Insurance and Claims

Location: Miami, FL (On-site)

Company Overview

We are a leading container shipping company based in Miami, Florida, specializing in ocean transportation services across the Caribbean, Central America, South America, and the Bahamas. With dedicated terminals at Port Everglades and a commitment to reliable, efficient cargo delivery, we serve a diverse range of clients in international trade. Our operations include full container load (FCL), less than container load (LCL), refrigerated cargo, warehousing, and comprehensive logistics solutions.

Job Summary

We are seeking an experienced Director, Risk Management, Insurance and Claims to lead our claims processing and risk mitigation efforts. This executive-level role will oversee all aspects of cargo and ship claims, insurance programs, and legal coordination to minimize financial exposure and ensure operational resilience. The ideal candidate brings deep expertise in maritime insurance, claims handling, and risk management within the shipping industry.

Key Responsibilities
  • Manage the end-to-end processing of all cargo claims, including damage, loss, delay, and related disputes.
  • Oversee claims related to vessels, ships, and operational incidents.
  • Direct the company's comprehensive insurance portfolio.
  • Negotiate with insurers, brokers, and underwriters to secure optimal coverage.
  • Develop and implement risk management strategies to identify, assess, and mitigate operational, financial, and legal risks.
  • Collaborate closely with external attorneys on litigation, arbitration, and all legal cases arising from claims or incidents.
  • Lead investigations into claims and incidents, ensuring compliance with international maritime regulations (e.g., Hague-Visby Rules, U.S. COGSA).
  • Prepare reports for executive leadership on claims trends, risk exposure, and financial impacts.
  • Build and lead a high-performing claims and risk team, fostering a culture of excellence.
Qualifications
  • Bachelor's degree in Risk Management, Insurance, Law, Maritime Studies, Business Administration, or a related field; advanced degree (e.g., JD, MBA) or professional certifications (e.g., ARM, CPCU, Chartered Insurance Institute) highly preferred.
  • 10+ years of progressive experience in claims and risk management, with at least 5 years in a senior leadership role within the maritime, shipping, or logistics industry.
  • Proven expertise in handling cargo claims.
  • Demonstrated experience managing a broad operational insurance portfolio, including P&I Clubs, Hull & Machinery (H&M), Protection & Indemnity (P&I), Marine Cargo Insurance, Warehouse Legal Liability / Warehouseman's Liability, Commercial Auto / Fleet Insurance, Container / Equipment Insurance, Terminal Operators Liability, General Liability (with Marine Extensions), Bailee Liability, Errors & Omissions (E&O), Professional Liability, Cyber Liability, and Crime & Fidelity.
  • Strong knowledge of maritime law, international conventions, and U.S. regulations relevant to ocean shipping.
  • Experience working with P&I clubs, marine insurers, and legal counsel on complex claims and disputes.
  • Excellent negotiation, analytical, and problem-solving skills.
  • Demonstrated ability to manage insurance renewals and reduce overall risk exposure.
  • Exceptional communication skills, with the ability to present to executive teams and external stakeholders.
What We Offer
  • Competitive executive compensation package, including base salary and benefits.
  • Opportunity to play a pivotal role in a dynamic, growth-oriented shipping company.
  • Long-term stability and direct access to ownership in a privately held organization.

(conidential applications encouraged). We are an

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