Personal Lines Risk Management - Specialist

Make a difference with a career in insurance

At The Cincinnati Insurance Companies, we put people first and apply the Golden Rule to our daily operations. To put this into action, we're looking for extraordinary people to join our talented team. Our service-oriented, ethical, knowledgeable, caring associates are the heart of our vision to be the best company serving independent agents. We help protect families and businesses as they work to prevent or recover from a loss. Share your talents to help us reach for continued success as we bring value to the communities we serve and demonstrate that Actions Speak Louder in Person.

If you're ready to build productive relationships, collaborate within a diverse team, embrace challenges, and develop your skills, then Cincinnati may be the place for you. We offer career opportunities where you can contribute and grow.

Build your future with us

The Cincinnati Insurance Companies' Personal Lines Risk Management Department is seeking a Risk Management Specialist to support our Southwest and Western regions. This role plays a vital part in evaluating residential properties with insured values up to $3.5 million, ensuring accurate replacement cost valuations, identifying risk exposures, and developing practical loss prevention recommendations that help protect our policyholders and support profitable growth.

Through direct training, mentorship, and collaboration with experienced risk management professionals, you will develop expertise in residential property valuation, risk analysis, loss prevention, and insurance operations.

Early career professionals and recent college graduates with an interest in Risk Management are encouraged to apply. We are looking for individuals who are eager to grow within the department, open to relocation, and interested in developing into a risk management field-based position.

The pay range for this position is $46,000 - $79,000 annually. Pay is based on the applicant's education, experience, location, knowledge, skills and abilities. Eligible associates may also receive an annual cash bonus and stock incentives based on company and individual performance.

This position is based in our Arizona office and supports agency and policyholder relationships throughout the Western United States.

Be ready to

• review property inspection reports to determine accurate replacement cost values, evaluate risk exposures, identify potential loss hazards, and develop clear, actionable risk improvement recommendations
• apply knowledge of inflation trends, market conditions, and construction cost escalation factors to support accurate property valuations
• conduct regular interviews with contractors, builders, and industry professionals to stay informed of construction costs, labor markets, and building trends throughout the Southwestern and Western United States
• partner with agents and internal associates to effectively communicate findings, recommendations, and valuation insights
• collaborate with Territory Advisors, underwriters, and field business partners across the country to support underwriting and risk management objectives
• develop expertise in residential construction methods, building materials, and high-value home features, including luxury and custom-built properties
• prepare timely, accurate reports and complete assignments within established service standards and deadlines

Be equipped with:

• strong analytical and critical-thinking skills with the ability to evaluate risks and make sound business recommendations
• excellent mathematical aptitude and attention to detail
• effective written, verbal, and interpersonal communication skills
• strong organizational, prioritization, and time-management abilities
• demonstrated ability to produce accurate, thorough, and high-quality work
• customer-focused mindset with a high degree of professionalism
• ability to build relationships and collaborate with agents, policyholders, underwriters, and internal business partners
• strong critical thinking skills and the ability to manage conflict and navigate challenging conversations effectively
• ability to apply construction cost data, market trends, and valuation methodologies to determine accurate replacement cost estimates

Bring education and experience from:

• bachelor's degree required. We encourage applications from recent graduates across a broad range of majors. Successful candidates will demonstrate strong critical thinking skills, intellectual curiosity, and an interest in developing a career in Risk Management
• professional insurance designations such as CPCU, and CPRIA are encouraged and supported as part of career development

Enhance your talents

Providing outstanding service and developing strong relationships with our independent agents are hallmarks of our company. Whether you have experience from another carrier or you're new to the insurance industry, we promote a lifelong learning approach. Cincinnati provides you with the tools and training to be successful and to become a trusted, respected insurance professional - all while enjoying a meaningful career.

Enjoy benefits and amenities

Your commitment to providing strong service, sharing best practices and creating solutions that impact lives is appreciated. To increase the well-being and satisfaction of our associates, we offer a variety of benefits and amenities. Learn more about our benefits and amenities packages.

Embrace a diverse team

As a relationship-based organization, we welcome and value a diverse workforce. We grant equal employment opportunity to all qualified persons without regard to race; creed; color; sex, including sexual orientation; gender identity and transgender status; religion; national origin; age; disability; military service; veteran status; pregnancy; AIDS/HIV or genetic information; or any other basis prohibited by law. Learn more about the Federal Employment Notices.