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Preferred Risk Insurance Jobs in Middletown, NY (NOW HIRING)

Garnet Health

Enterprise Risk Manager

Middletown, NY

... insurance oversight and renewal process. At Garnet Health, we are committed to supporting your ... Relevant Master's preferred. Minimum Experience: Five to ten years of clinical nursing experience ...

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Garnet Health

Enterprise Risk Manager

Middletown, NY · On-site

... insurance oversight and renewal process. At Garnet Health, we are committed to supporting your ... Relevant Master's preferred. Minimum Experience: Five to ten years of clinical nursing experience ...

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Preferred Risk Insurance information

See Middletown, NY salary details

$14

$30

$74

How much do preferred risk insurance jobs pay per hour?

As of Aug 24, 2026, the average hourly pay for preferred risk insurance in Middletown, NY is $30.47, according to ZipRecruiter salary data. Most workers in this role earn between $19.57 and $38.89 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 Middletown, NY?

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

What cities near Middletown, NY are hiring for Preferred Risk Insurance jobs?

Cities near Middletown, NY with the most Preferred Risk Insurance job openings:

Preferred Risk Insurance jobs near you
Infographic showing various Preferred Risk Insurance job openings in Middletown, NY 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, with an average salary of $63,379 per year, or $30.5 per hour.

Entry Level Insurance Risk Consultant

3M HEALTHCARE

Ramsey, NJ • On-site

$75 - $150/hr

Other

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 3 days ago

Job description

Foundation Risk Partners, one of the fastest growing insurance brokerage and consulting firms in the US, is adding to their team a Risk Management Consultant to their Insurance Consulting & Risk Advisory team. This role requires a high-impact, client-facing professional capable of leading complex assignments, synthesizing technical detail into strategic insight, and advising senior stakeholders on enterprise and transactional risk issues.

Key Responsibilities
  • Identify, evaluate, and analyze operational, contractual, and third-party risk exposures arising from client business activities, vendors, service providers, and customers.
  • Strategically manage enterprise-wide insurance and risk program renewals, including broker oversight, coverage optimization, cost reduction initiatives, and market negotiations.
  • Collaborate with and direct external advisors including brokers, underwriters, claims professionals, TPAs, legal counsel, and specialty consultants.
  • Review contracts, leases, vendor agreements, and licensing arrangements to ensure compliance with established insurance and risk management requirements.
  • Evaluate and negotiate insurance pricing, program structures, deductibles, limits, policy wording, and service agreements; prepare cost-benefit analyses of program alternatives.
  • Analyze loss data and prepare monthly reserve accruals and reporting for finance, risk, and safety teams.
  • Partner with legal, HR, audit, and claims teams to establish settlement strategies and support complex claims decision-making.
  • Research emerging and best-in-class risk management trends, providing strategic recommendations related to insurance purchasing, program design, loss control, safety, and claims management.
Qualifications & Experience
  • Bachelor's degree in Risk Management, Insurance, or related field
  • Strong analytical and problem-solving skills
  • Internship or coursework related to insurance, risk management, or consulting
  • Professional certifications preferred: ARM, CPCU, CRM, FRM, RF

This range represents the estimated low and high end of the salary range for this position. Actual salaries will vary and may be above or below the range based on factors including but not limited to performance, location, and experience. The range listed is just one component of FRP's total compensation package for employees.

Pay Transparency Range: $75,000 - $150,000 USD

Disclaimer

While this job description is intended to be an accurate reflection of the job requirements, management reserves the right to modify, add, or remove duties from particular jobs and to assign other duties as necessary.

Equal Employment Opportunity (EEO)

FRP provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or any other classifications protected by law.

Benefits

FRP offers a comprehensive range of health-related benefit options including medical, vision, and dental. We offer a 401(k) with company match, company-paid life insurance, STD, LTD and a generous PTO policy starting at 18 days per year plus 10 paid holidays & 2 floating holidays!

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