Risk and Insurance Manager

Status: Full-time, Exempt, Regular
Location: Chinatown Neighborhood, San Francisco
Hours: Monday through Friday; general business hours some nights and weekend
Salary: $107,000 - $112,000 annually; Comprehensive benefits

What You Will Do:
Essential Functions:

• Manage the organization’s commercial insurance program, including the annual renewal process, exposure information, and routine broker and carrier communication.
• Manage insurance-related administration and tracking of claims and incidents in collaboration with the departments involved.
• Manage organization-wide risk assessments, maintain the enterprise risk register, and track agreed-upon mitigation activities.
• Review insurance requirements and advise on routine risks related to property operations, construction, vendors, workplace safety, programs, technology, and organizational activities.
• Provide regular risk, insurance, claims, and loss-trend reports for the Senior Director and other leaders.

Job Responsibilities:

• Support an initial organization-wide assessment of risks associated with Chinatown CDC's properties, developments, rehabilitation projects, operations, programs, workforce, technology, vehicles, and administrative functions.
• Manage cross-functional risk reviews and help leadership prioritize risks based on severity, likelihood, operational impact, mission impact, and cost.
• Manage the annual renewal calendar, applications, exposure schedules, property values, loss information, and supporting documentation; work with the broker and internal departments to gather accurate underwriting information.
• Review insurance proposals, policy summaries, endorsements, exclusions, limits, deductibles, and coverage changes and prepare comparisons for the Senior Director of Asset Management.
• Responsible for organized insurance policies, schedules, binders, invoices, and related records; respond to routine insurance questions and coordinate more complex coverage questions with the broker, carrier, legal counsel, or Senior Director.
• Assist with evaluating insurance needs for acquisitions, developments, rehabilitation projects, capital improvements, new programs, and operational changes.
• Responsible for tracking premiums, deductibles, retained losses, claim costs, and other components of the organization’s total cost of risk.
• Responsible for certificate-of-insurance program and review requests for exceptions

• Manage timely notice of property, liability, automobile, cyber, workers’ compensation, construction, and other potentially covered claims to the broker and carrier; gather and organize claim documentation and maintain centralized records.
• Responsible for claim status, reserves, deductibles, recoveries, open items, and deadlines; follow up with adjusters, brokers, and internal departments.
• Report and analysis of claim frequency, severity, status, cost, and emerging trends; participate in post-incident reviews and help document corrective-action recommendations.
• Support workers’ compensation claim reviews, loss analysis, prevention, and return-to-work coordination in partnership with Human Resources. Human Resources retains routine workers’ compensation administration.
• Coordinate insurance and risk-management advice regarding significant claims and settlements while coordinating with legal counsel and authorized decision-makers.

• Support periodic assessments of risks associated with properties, projects, operations, programs, workforce, vehicles, technology, and administrative functions.
• Manage the enterprise risk register—risk descriptions, potential impacts, mitigation plans, responsible departments, target dates, and implementation status—and track agreed-upon corrective actions.
• Conduct or coordinate routine property, workplace, program, security, and project risk reviews; coordinate responses to loss-control recommendations from carriers, brokers, consultants, and public agencies.
• Partner with Information Technology and leadership to evaluate cybersecurity, privacy, data-management, technology-vendor, and cyber-insurance risks.
• Support the organization's risk-management framework for emergency preparedness, disaster response, and business continuity in partnership with responsible operating departments.
• Manage emergency-preparedness and business-continuity planning, exercises, and significant-incident reviews; provide insurance and risk-management support during significant incidents.
• Partner with Information Technology on cyber-insurance applications, carrier requirements, and identified cyber or privacy risks. Information Technology retains responsibility for technical security controls.
• Develop and implement practical policies, standards, tools, and training that strengthen risk awareness and consistent risk-management practices.
• Analyze incidents, near misses, and claims to identify and provide analysis for organization-wide policy, training, physical, or procedural improvements.
• Provide quarterly risk and insurance reports to the Senior Director of Asset Management and Deputy Director, including significant exposures, claims trends, insurance-market developments, mitigation progress, and matters requiring leadership decisions.
• Maintain regular communication with the Senior Director of Asset Management and Deputy Director regarding material organizational risks.

• Support the evaluation of insurance needs for new construction, rehabilitation, capital projects, and major repairs; coordinate builders-risk information and contractor, consultant, and vendor insurance documentation.
• Maintain standard insurance requirements for contractors, vendors, consultants, service providers, and program partners; manage certificates of insurance, endorsements, and requests for routine exceptions.
• Review insurance and indemnification provisions from a risk perspective and refer unusual, complex, or high-risk terms to the Senior Director or legal counsel.
• Prepare quarterly dashboards and reports covering insurance costs, claims, loss trends, open recommendations, and significant exposures; support preparation of executive and Board risk reporting led by the Senior Director.
• Manage and maintain risk-management procedures, forms, checklists, guidance, and training materials; coordinate cross-functional meetings and follow-up activities when requested.

• Request information reasonably necessary to coordinate insurance renewals, claims, incidents, risk reviews, and mitigation tracking.
• Communicate routine insurance requirements and risk recommendations to supervisors and staff.
• Coordinate cross-functional claim, incident, and risk reviews.
• Follow up on agreed-upon corrective actions and elevate material, urgent, overdue, or unresolved matters.
• Recommend coverage, policy, process, or loss-prevention changes for review by the Senior Director of Asset Management and other appropriate leaders.

• Embody organization values (respect & compassion, empowerment, teamwork)
• Contribute to a safe and pleasant work environment
• Follow policies, procedures, and safe work practices
• Other duties as assigned