Director of Risk

Clark Associates, Inc.; Lancaster (Lancaster County); On-site; USD 150,000 - 190,000; Full time

Job summary

Clark Associates, Inc. seeks a Director of Risk to lead enterprise-wide risk, insurance, and claims strategy across General Liability, workers' comp, cyber, and property programs.

The role partners with Legal, Employee Services, Operations, and Finance to align risk with business goals. You will oversee insurance programs, claims oversight, and governance, and develop KPIs while driving proactive risk mitigation and cost efficiency.

Responsibilities

• Lead design, procurement, and management of corporate insurance programs.
• Develop innovative insurance structures and alternative risk financing.
• Oversee due-diligence for renewals, policy evaluation, and broker coordination.
• Serve as subject-matter expert on coverage terms and risk transfer.
• Partner with Legal to support negotiations and insurability.
• Lead management of claims including product liability and workers’ comp.
• Manage TPAs, counsel, and insurers for effective claims handling.
• Analyze trends to drive loss-control and program adjustments.
• Coordinate with Legal, HR, Finance, Operations to reduce enterprise risk.
• Lead risk team activities: identification, evaluation, remediation.
• Advise leadership on complex or emerging risks.
• Provide guidance on control documentation and automation.
• Support strategic initiatives with risk insights.
• Develop and maintain risk reporting, metrics, and KPIs.
• Strengthen risk culture through cross-functional engagement.
• Maintain standard insurance and risk clauses in contracts.

Job description

Job Summary

The Director of Risk is responsible for leading Clark's enterprise-wide risk, insurance, and claims strategy including product liability, workers' compensation, commercial insurance programs, and enterprise risk oversight. The role serves as a centralized leader ensuring strong governance, cost efficiency, and strategic risk mitigation across the organization. This position reports to the Vice President of Finance and collaborates closely with Legal, Employee Services, Operations, and Finance teams.

Responsibilities

Insurance Program Leadership

• Lead the design, procurement, and ongoing management of all corporate insurance programs, including General Liability, Workers' Compensation, Automobile Liability, Product Liability, Business Interruption, Management Liability, Cyber/Privacy/Tech, Property, Contractor's Equipment, and specialty lines.
• Develop and evaluate innovative insurance program structures and alternative risk financing solutions.
• Oversee due-diligence for insurance renewals, including policy evaluation, risk assessment, compliance monitoring, and coordination with brokers.
• Serve as subject-matter expert on coverage terms, exclusions, and risk transfer approaches.
• Partner with Legal to support negotiations and advise on insurability and risk allocation.

Claims Oversight: Product Liability & Workers' Compensation

• Lead management of insurance claims and reportable events, including product liability and workers' compensation.
• Manage TPAs, external counsel, experts, and insurers to ensure effective claim handling.
• Analyze trends to recommend loss-control initiatives, safety enhancements, and insurance program adjustments.
• Oversee reserving practices, claim strategies, and root-cause assessments.

Risk Mitigation & Internal Collaboration

• Coordinate with Legal, Employee Services, Finance, Operations, procurement, and safety teams to implement enterprise risk reduction strategies.
• Lead risk team activities: identification, evaluation, control design, remediation, and monitoring.
• Manage risk issues including root-cause analysis, action plans, and reporting.
• Advise leadership on complex or emerging risks.
• Provide guidance on control documentation and automation opportunities.
• Support strategic initiatives with risk insights.

Reporting & Governance

• Develop and maintain business risk reporting, metrics, and KPIs.
• Strengthen organizational risk culture through communication and cross-functional engagement.
• Maintain and enhance standard insurance and risk clauses in contract templates.