Director, Risk Management

Risk Strategy & Insurance Programs

Leads the implementation, governance and continuous improvement of a Contractor Controlled Insurance Program (CCIP) and Subcontractor Default Insurance program.
Collaborates with brokers, underwriters, and insurers to design, place and manage insurance programs that effectively allocate, mitigate, and finance risk.
Regularly reviews insurance coverages, limits, deductibles, and structures to ensure alignment with business growth, coverage optimization, project risk profiles, and market conditions.
Develops insurance cost allocation and billing models to support accurate divisional and project pricing.
Meets with company clients, subcontractors, consultants to negotiate contractual insurance and bonding terms to mitigate retained risks.

Contractual & Financial Risk

Reviews contractual insurance and risk allocation provisions; identifies and advises on one-sided, unusual, or high-risk terms.
Partners with the Corporate Legal Team to develop and negotiate contract terms, exceptions and amendments related to risk, insurance, and bonding.
Obtains and evaluates specialty insurance coverage required by owner contracts or unique project risks.

Claims & Loss Management

Partners with the third-party claims administrators (“TPAs”), claims adjusters/consultants, claims counsel, and General Counsel to oversee claims strategy, valuation, and reserve adequacy.
Ensures claims data accuracy and provides clear, actionable reporting to executive leadership.
Uses claims trends to drive loss prevention and operational improvements.

Operational Risk & Loss Control

Works closely with Operations, Safety, Fleet Management, Human Resources, Facilities Management, and project teams to implement systems, procedures and controls that reduce the frequency and severity of losses.
Provides training and guidance to Operation’s project teams on insurance programs, CCIP requirements, risk controls, and risk management best practices.
Serves as a trusted advisor to operations leadership on risk-related decision making.

Fleet Risk Management

Oversees fleet risk strategy, including driver standards, insurance coverage, loss trends, auto liability exposure, and claims performance in partnership with Safety and Operations.
Leads accident review, preventability determinations, repair estimate evaluation, severity tiering, and related cost-control processes.
Manages driver risk tracking, including point assignment logic, scoring methodology, Samba MVR notifications, annual MVR reviews, and the system of record.
Leads the Fleet Safety Committee and provides governance, reporting, and escalation support for fleet risk decisions.
Analyzes frequency, severity, repeat drivers, and geographic trends to inform corrective actions, risk mitigation strategies, and reporting to executive leadership and insurance partners.
Ensures alignment with TPAs, carriers, and the overall claims management strategy for auto losses.

Management of External Partnerships & Provider Relations

Develops and maintains strong relationships with insurance brokers, carriers, TPAs, claims administrators, actuaries, loss control specialists, and consultants.
Maintains all insurance policies, certificates, and records; provides regular reporting on program performance, claims activity and emerging risks.
Serves as an active member of the Corporate Enterprise Risk Committee reporting to executive management.
Represents and communicates the Company’s insurance and risk programs to internal stakeholders and external partners.

Position Requirements

• Bachelor’s degree from an accredited university in Business Administration, Business Management, Risk Management, Insurance, Risk Control, or a related field. Master’s Degree preferred
• Professional Designations: Certified Risk Management Professional (CRMP), Certified Insurance Counselor (CIC), Associate in Risk Management (ARM), or Certified Risk Manager (CRM)
• Minimum of 10 years of progressive risk and insurance management experience, preferably within the construction or investment real estate industry or a construction-focused insurance/bonding brokerage or insurance carrier environment
• Demonstrated technical experience managing complex insurance and risk control programs, and large-scale claims portfolios
• Previous experience successfully providing leadership and direction to a support team of risk management and claims management professionals
• Strong leadership presence with the ability to advise and influence operational, legal, and executive management teams
• Excellent written, verbal and presentation skills

Pay

The annual salary midpoint for this role is $195,000. We consider many factors when determining the actual hiring salary. These factors may include location, transferable skills, work experience, licensure and certification, business needs, internal equity, and market demands.

Benefits

We offer a comprehensive and best-in-class benefits package that prioritizes your physical, financial, and emotional well-being. Benefits include:

• Medical, dental, vision, life, and disability insurance plans
• A generous 401k match
• A student loan repayment benefit
• Paid time off for company holidays, vacation, and personal days
• Comprehensive medical and parental leave
• Mental health services

About the Role

Pepper Construction is a national general contracting and construction management firm that primarily serves the private sector. Pepper Construction provides clients the experience and resources of a national company, combined with the hands-on approach of a local company.