Risk Manager

Risk ManagerThe 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 ResponsibilitiesEnterprise Insurance StrategyLead administration and strategic oversight of all property & casualty insurance programs, including general liability, auto liability, workers' compensation, umbrella/excess, and propertyPartner 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 objectivesSupport M&A due diligence, insurance modeling, and post-acquisition integrationClaims & Total Cost of Risk ManagementProvide executive-level oversight of workers' compensation, auto, general liability, and property claims arising from HVAC and MEP operationsPartner with TPAs, carriers, and legal counsel to manage complex and litigated claimsReview reserves, monitor large-loss development, and provide financial forecasting insight to leadershipConduct structured quarterly claims reviews with Business Unit leadershipAnalyze claim frequency, severity, lag time, and emerging loss trends to drive corrective actionRisk Analytics & Operational AlignmentAnalyze TRIR trends, at-fault auto incidents, and operational loss drivers across the enterprisePartner with the Director of Safety to align prevention initiatives with insurance data and financial impactSupport targeted interventions for high-loss Business UnitsProvide insurance education and financial risk insight to General Managers and senior leadershipPartner with Corporate Accounting on monthly deductible cross chargesKey contact for business and insurance broker related to insurance mattersContractual Risk & ComplianceReview of contractual insurance requirements in commercial service and construction agreementsEnsure certificates of insurance and compliance documentation align with enterprise standardsMitigate contractual transfer risk exposureQualificationsBachelor's degree in risk management, Insurance, Finance, Business, Safety, or related field requiredMinimum 10 years of progressive experience in insurance risk management, claims oversight, underwriting, or enterprise property & casualty leadershipExperience supporting construction, HVAC, MEP, or field service operations strongly preferredExperience managing large deductible or self-insured retention programs preferredDemonstrated experience partnering with executive leadership on financial risk strategyStrong analytical, financial modeling, and communication skillsMinimum and/or Preferred Qualifications:ARMCPCUCSP or safety credential a plusMBA or advanced business degree a plusAdditional RequirementsAbility to travel to Business Unit locations as neededAbility to walk active construction sites, rooftops, mechanical rooms, and shop environmentsAbility to access elevated work areas and fleet operations environmentsExecutive presence and ability to influence senior operational leadersAbility to manage priorities across geographically dispersed operationsPhysical DemandsThe 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 Accommodation: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.Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.