Risk and Insurance Manager - Real Estate/Multi-Family Property Management

Risk and Insurance Manager - Real Estate/Multi-Family Property Management Risk and Insurance Manager The Risk and Insurance Manager is responsible for supporting the administration, implementation, and ongoing management of the Company's risk management, insurance, safety, and claims programs. This role focuses on identifying, evaluating, and mitigating risk exposures across the organization, with an emphasis on managing, obtaining, securing, and renewing insurance coverages across all business operating lines. This role will also be engaged in claims oversight, safety compliance, contractual risk transfer, and regulatory adnce. This role partners closely with company leadership, property teams, consultants, insurance representatives, and clients to implement and maintain effective risk management programs. This position coordinates accident investigations, safety inspections, insurance claim management, and safety training initiatives while ensuring compliance with Federal, State, and local regulations. In addition, the Risk and Insurance Manager conducts weekly Quality Assurance inspections at assigned properties to ensure all safety protocols, operational standards, insurance loss-control recommendations, and compliance requirements are consistently followed.

ESSENTIAL DUTIES AND RESPONSIBILITIES

1. Assist in the development and execution of risk management plans and programs that identify, measure, monitor, and mitigate operational and financial risks across the organization. 2. Manage and administer the Company's insurance programs, including workers' compensation, general liability, property, automobile, umbrella/excess liability, flood, storage tank, public officials, and related coverages.

• Coordinate policy renewals, endorsements, certificates of insurance, and billing allocations.
• Partner with insurance brokers and carriers on coverage analysis, exclusions, and loss control initiatives.
• Support clients with insurance program recommendations including budgets, deductibles, limits, and coverage structures. 3. Oversee all incidents and insurance claims from intake through resolution, including:
• Coordinating investigations
• Submitting and tracking claims
• Communicating with carriers, adjusters, legal counsel, property teams, and clients
• Participating in negotiations and settlements
• Analyzing claims data to identify trends and prevention opportunities 4.

Review contracts, RFPs, bids, and vendor agreements to ensure appropriate insurance and risk-transfer provisions are included. Review Certificates of Insurance to confirm compliance with contractual requirements. 5. Develop and implement preventative safety programs and safe work practices aligned with Company standards and regulatory requirements. Conduct regular safety and hazard training sessions and collaborate with departments to establish safety goals. 6. Assess and monitor environmental and health-related risks including asbestos, lead-based paint, mold, radon, and carbon monoxide exposure in residential properties. Conduct site visits and provide recommendations for mitigation and compliance. 7. Support the development and maintenance of emergency preparedness, disaster recovery, and business continuity plans. 8. Conduct weekly Quality Assurance inspections at assigned properties to evaluate compliance with safety protocols, OSHA standards, insurance loss-control recommendations, and Company operational policies. Prepare written inspection reports, identify deficiencies, require corrective action plans, and track remediation to completion. 9. Maintain accurate records of incidents, claims, inspections, and compliance documentation. 10. Perform other duties, projects, tasks and assignments as directed by management.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. 1. Strong knowledge of risk management principles including risk avoidance, reduction, transfer, and acceptance. 2. Working knowledge of property and casualty insurance and workers' compensation programs. 3. Understanding of Federal and State laws related to workplace safety, personal injury, and property liability. 4. Experience working in residential housing, multi-family property management, and/or real estate operations preferred. 5. Ability to analyze risk exposures and recommend practical mitigation strategies. 6. Strong organizational and project management skills. 7. Ability to collaborate effectively with internal teams, insurance professionals, contractors, and clients. 8. Excellent written and verbal communication skills. 9. Proficiency in Microsoft Office (Word, Excel, Outlook, Teams, SharePoint, PowerPoint, etc.) and data tracking systems.

EDUCATION AND/OR EXPERIENCE

Bachelor's degree from an accredited college or university with 5-8 years of progressively responsible experience in risk management, insurance administration, safety compliance, or claims management. Professional designations such as CPCU (Chartered Property Casualty Underwriter), ARM (Associate in Risk Management), CRM (Certified Risk Manager), or CSP (Certified Safety Professional) are preferred. Legal or paralegal experience is a plus.

PHYSICAL DEMANDS & WORK ENVIRONMENT

• The position requires regular office work and frequent property site visits.

The employee must be able to sit, stand, walk properties, climb stairs, and lift up to 20 pounds as needed. While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to sit; use hands/fingers to manipulate/type/write, handle, or feel, including extensive work on a computer; and reach with hands and arms. The employee is occasionally required to stand; walk; climb or balance; stoop, kneel, crouch, or crawl; and smell. The employee must occasionally lift and/or move up to 20 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus.

• The role may involve exposure to construction areas, maintenance operations, environmental conditions, and emergency response situations.
• The primary schedule is Monday-Friday; however, flexibility is required to respond to incidents, emergencies, or after-hours property needs when necessary.
• The work environment characteristics described are representative of those and employee encounters while performing the essential functions of this job.

When in the company's corporate office, this is an office environment. While performing the duties of this job which coincide with visits to property sites, the employee may occasionally be exposed to wet and/or humid conditions; moving mechanical parts; high, precarious places; fumes or airborne particles; toxic or caustic chemicals; outside weather conditions; extreme cold; extreme heat; risk of electrical shock; and vibration. The noise level in the work environment is usually moderate. The primary schedule is Monday-Friday from 8:30-5:30; schedule may shift to start earlier, end later, or involve weekend work based on business needs. Incumbent is expected to exercise appropriate judgment in adjusting their own schedule to shifting property operational demands.

• Must be reachable at all times via phone when not at work for emergency consultation or on-call support, except during approved time off with pre-planned alternative arrangements.

May be expected to report to properties as needed, including before or after-hours or on weekends, for emergencies such as a fire, flood or other types of situations which may involve insurance claims.

LANGUAGE SKILL

Advanced English fluency in reading, comprehension, reas... Visit the Employer site for more details