Risk Manager

The Risk Manager is responsible for leading the organization's enterprise insurance strategy, claims management oversight, and risk mitigation initiatives within a multi-state HVAC and MEP service and construction environment.

Reporting jointly to the Controller and Director of Safety, this role serves as a strategic partner to Finance, Safety, Operations, and Executive Leadership to reduce total cost of risk, strengthen insurance performance, and protect enterprise financial stability across all Business Units.

This position requires a seasoned risk professional with deep property & casualty insurance expertise, executive-level claims management experience, and working knowledge of field operations and safety performance in HVAC/MEP environments.

Key Responsibilities

• Enterprise Insurance Strategy
• Lead administration and strategic oversight of all property & casualty insurance programs, including general liability, auto liability, workers' compensation, umbrella/excess, and property
• Partner with brokers and carriers to develop renewal strategy, underwriting submissions, coverage negotiations, and program structure optimization.
• Lead the annual insurance renewal process, gather necessary information from business units for the annual renewal, prepare summarized information to review internally and supply to the broker. Develop insurance rates for monthly accruals performed by the business.
• Evaluate limits, deductibles, and retention strategies to align with operational risk profile and financial objectives
• Support M&A due diligence, insurance modeling, and post-acquisition integration

Claims & Total Cost of Risk Management

• Provide executive-level oversight of workers' compensation, auto, general liability, and property claims arising from HVAC and MEP operations
• Partner with TPAs, carriers, and legal counsel to manage complex and litigated claims
• Review reserves, monitor large-loss development, and provide financial forecasting insight to leadership
• Conduct structured quarterly claims reviews with Business Unit leadership
• Analyze claim frequency, severity, lag time, and emerging loss trends to drive corrective action

Risk Analytics & Operational Alignment

• Analyze TRIR trends, at-fault auto incidents, and operational loss drivers across the enterprise
• Partner with the Director of Safety to align prevention initiatives with insurance data and financial impact
• Support targeted interventions for high-loss Business Units
• Provide insurance education and financial risk insight to General Managers and senior leadership
• Parter with Corporate Accounting on monthly deductible cross charges
• Key contact for business and insurance broker related to insurance matters

Contractual Risk & Compliance

• Review of contractual insurance requirements in commercial service and construction agreements
• Ensure certificates of insurance and compliance documentation align with enterprise standards
• Mitigate contractual transfer risk exposure

Qualifications

• Bachelor's degree in risk management, Insurance, Finance, Business, Safety, or related field required
• Minimum 10 years of progressive experience in insurance risk management, claims oversight, underwriting, or enterprise property & casualty leadership
• Experience supporting construction, HVAC, MEP, or field service operations strongly preferred
• Experience managing large deductible or self-insured retention programs preferred
• Demonstrated experience partnering with executive leadership on financial risk strategy
• Strong analytical, financial modeling, and communication skills

MINIMUM AND/OR PREFERRED QUALIFICATIONS:

• ARM
• CPCU
• CSP or safety credential a plus
• MBA or advanced business degree a plus

Additional Requirements

• Ability to travel to Business Unit locations as needed
• Ability to walk active construction sites, rooftops, mechanical rooms, and shop environments
• Ability to access elevated work areas and fleet operations environments
• Executive presence and ability to influence senior operational leaders
• Ability to manage priorities across geographically dispersed operations

PHYSICAL DEMANDS

• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

WORK ENVIRONMENT:

This job operates in both an office and a field environment. Must be able to sit and/or stand for extended periods of time.

REASONABLE ACCOMODATION:

Reasonable accommodation will be made to enable individuals with disabilities to perform the essential job functions unless doing so presents an undue hardship on the Company's business operations.

OTHER DUTIES:

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice. Employees understand the above job description and agree to comply with and be subject to its conditions. Employee further agrees this job description does not alter his/her at-will employment status. Employees understand the Company reserves the right to delegate, remove, expand or change all responsibilities. Employees acknowledge that he/she can fulfill the above duties with or without reasonable accommodation.