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Preferred Risk Insurance Jobs in Rancho Santa Margarita, CA

Socket.dev

Risk Manager

Aliso Viejo, CA · On-site

Bachelor's degree in Risk Management, Business Administration, Finance, Insurance, Legal Studies, Construction Management, Real Estate, or a related field preferred. * Minimum of 3 years of ...

Thomas James Homes

Risk Manager

Aliso Viejo, CA · On-site

$99K - $124K/yr

Bachelor's degree in Risk Management, Business Administration, Finance, Insurance, Legal Studies, Construction Management, Real Estate, or a related field preferred. * Minimum of 3 years of ...

Thomas James Homes

Risk Manager

Aliso Viejo, CA · On-site

$99K - $124K/yr

ARM, CPCU, CRM, CIC, or similar risk, insurance, claims, or compliance certification preferred. WHAT WILL SET YOU APART: * Demonstrated ownership of both data collection and analysis processes

Thomas James Homes (TJH)

Risk Manager

Aliso Viejo, CA · On-site

$99K - $124K/yr

ARM, CPCU, CRM, CIC, or similar risk, insurance, claims, or compliance certification preferred. WHAT WILL SET YOU APART: * Demonstrated ownership of both data collection and analysis processes

Thomas James Homes, LLC.

Risk Manager

Aliso Viejo, CA · On-site

$99K - $124K/yr

ARM, CPCU, CRM, CIC, or similar risk, insurance, claims, or compliance certification preferred. WHAT WILL SET YOU APART: * Demonstrated ownership of both data collection and analysis processes

Marina Landscape Inc

Risk Manager

Orange, CA · On-site

$80K - $115K/yr

... preferred. Key Skills & Competencies * Risk Analysis & Assessment * Policy Development & Implementation * Contract Review & Risk Transfer * Regulatory Compliance (OSHA, Environmental) * Insurance ...

Marina Landscape, Inc.

Risk Manager

Orange, CA · On-site

$80K - $115K/yr

... preferred. Key Skills & Competencies * Risk Analysis & Assessment * Policy Development & Implementation * Contract Review & Risk Transfer * Regulatory Compliance (OSHA, Environmental) * Insurance ...

Marina Landscape, Inc.

Risk Manager

Orange, CA · On-site

$80K - $115K/yr

... preferred. Key Skills & Competencies * Risk Analysis & Assessment * Policy Development & Implementation * Contract Review & Risk Transfer * Regulatory Compliance (OSHA, Environmental) * Insurance ...

Marina Co

Risk Manager

Orange, CA · On-site

$80K - $115K/yr

... preferred. Key Skills & Competencies * Risk Analysis & Assessment * Policy Development & Implementation * Contract Review & Risk Transfer * Regulatory Compliance (OSHA, Environmental) * Insurance ...

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All JobsPreferred Risk Insurance JobsPreferred Risk Insurance Jobs in Rancho Santa Margarita, CA

Preferred Risk Insurance information

See Rancho Santa Margarita, CA salary details

$15

$32

$80

How much do preferred risk insurance jobs pay per hour?

As of Sep 14, 2026, the average hourly pay for preferred risk insurance in Rancho Santa Margarita, CA is $32.85, according to ZipRecruiter salary data. Most workers in this role earn between $21.06 and $41.92 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 cities near Rancho Santa Margarita, CA are hiring for Preferred Risk Insurance jobs?

Cities near Rancho Santa Margarita, CA with the most Preferred Risk Insurance job openings:

Preferred Risk Insurance jobs near you

Risk Manager

Aliso Viejo, CA • On-site

Socket.dev
Network Security • 1 - 10 employees
Learn more about Socket.devexternal

Other

Posted 7 days ago

Job description

THE ROLE:

The Risk Manager is responsible for the day-to-day administration, coordination, and operational management of the Company's risk management function. This position supports the execution of departmental priorities and manages recurring processes related to insurance, OCIP, claims, litigation support, compliance, reporting, and cross-functional risk support. The Risk Manager serves as an operational liaison among internal departments, brokers, carriers, outside counsel, vendors, and other advisors, and escalates strategic, material, or high-risk matters to the Vice President.

DAY IN THE LIFE:
  • Administer day-to-day Risk Department operations by managing recurring deadlines, workflow coordination, documentation practices, tracking tools, reporting processes, and follow-through on assigned departmental priorities.
  • Coordinate operational insurance processes, including renewals, exposure data collection, certificates of insurance, policy schedules, audits, OCIP administration, bonds and surety requests, workers' compensation support, and broker or carrier requests.
  • Administer claims and matter management processes, including claims reporting, legal and claims trackers, self-insured retentions, warranty spend, matter status reporting, document requests, and legal holds.
  • Support compliance, licensing, construction risk, and related cross-functional risk processes.
  • Provide risk-related support to internal business partners, including Legal, Finance, People Success, Purchasing, Construction, and Sales.
  • Prepare, maintain, and distribute recurring weekly, monthly, and quarterly reporting.
WHAT YOU'LL NEED:
  • Bachelor's degree in Risk Management, Business Administration, Finance, Insurance, Legal Studies, Construction Management, Real Estate, or a related field preferred.
  • Minimum of 3 years of progressive experience in risk management, insurance, claims, compliance, legal operations, construction, real estate, or related business operations.
  • Homebuilding, construction, real estate development, broker, carrier, vendor, or claims administration experience preferred.
  • ARM, CPCU, CRM, CIC, or similar risk, insurance, claims, or compliance certification preferred.
WHAT WILL SET YOU APART:
  • Demonstrated ownership of both data collection and analysis processes
  • Demonstrated ability to exercise sound judgment, maintain confidentiality, manage competing priorities, communicate effectively with internal and external stakeholders.
  • Proven ability to work with complex, multi-source datasets and reconcile inconsistencies.
  • Friendly attitude that works well with others.

#LI-Hybrid #LI-MB1

The compensation range for this role is influenced by a variety of factors including but not limited to skills, experience, qualifications, and geographic location. Thomas James Homes is an Equal Opportunity / Affiantive Action employer committed to diversity in the workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, age, national origin, disability, protected veteran status, gender identity or any other factor protected by applicable federal, state, or local laws.

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