HNW Residential Property Advisor - Cincinnati

PURE Insurance; Cincinnati, Northern (OH, KY); Hybrid; USD 80,000 - 100,000; Full time

Job summary

PURE Insurance seeks a Risk Manager to perform independent risk assessments for high-value homes, communicating findings to members and suggesting mitigations. The role supports underwriting decisions and loss prevention strategies across regions with up to 50% travel.

Required is a strong background in risk management, construction or related fields, and excellent communication. The position emphasizes autonomy, professionalism, and member-focused service.

Qualifications

• Bachelor’s degree preferred but not required – relevant field experience valued.
• 3+ years of experience as a Risk Manager at an insurance carrier or related role.
• 5+ years in high-value home construction, skilled trades, or related field.
• Strong interpersonal and written communication skills.
• Able to work independently with minimal supervision and be detail-oriented.

Responsibilities

• Perform PURE 360 Risk assessments by evaluating complex property conditions and exposures.
• Travel up to 50% to Louisville, Lexington, and Indianapolis to assess risks.
• Analyze findings to assess loss probability and propose mitigation strategies.
• Collaborate with Underwriting and internal teams to support risk selection.

Skills

Risk assessment

Communication skills

Independent judgment

Travel readiness

Education

Bachelor’s degree preferred

Job description

## Risk Manager (P&C Insurance)- CincinnatiApplylocations: Remote OHtime type: Full timeposted on: Posted Todayjob requisition id: R2662**About the Role.**PURE Risk Managers perform independent risk assessments to evaluate complex property exposures and support underwriting and loss prevention strategies for our members who are owners of the finest built homes. Risk Managers apply professional judgment, technical expertise, and discretion to assess risk and determine replacement cost. Risk Managers work with a high degree of autonomy, interfacing directly with our members to communicate findings on underlying risk factors identified in their homes, recommending mitigation solutions that impact business operations, underwriting decisions, and loss exposure.**What You’ll Do.*** Perform PURE 360 Risk assessments by evaluating complex and varied property conditions across regions, construction types, and environmental factors, assessing risk exposure.* Travel up to 50% to Louisville, Lexington, and Indianapolis* Analyze and interpret findings to assess loss probability and severity, using professional judgment to determine appropriate recommendations.* Recommend loss prevention strategies by identifying practical solutions and prioritizing actions based on risk impact.* Using professional judgment, technical expertise, and discretion, this role assesses property conditions, evaluates replacement cost considerations, identifies material risk factors, and determines the significance of exposures that may affect underwriting decisions, loss potential, and business operations.* Partner with Underwriting and internal stakeholders to provide insight that supports risk selection and business decisions.* Evaluate unique site conditions and risk factors by applying technical knowledge and experience to geographic and peril-specific scenarios.* Operate independently in the field with flexibility in approach and execution, adapting methods based on property-specific conditions.* Communicate assessment results and recommendations clearly, including the rationale behind decisions and potential risk implications.* Serve as a trusted representative of the PURE brand in members’ homes, building credibility through thoughtful, knowledgeable engagement while bringing humility, professionalism, and genuine care to every interaction – delivering a service experience that reflects our commitment to excellence.**What we're looking for.*** Bachelor’s degree preferred but not required – relevant field experience is highly valued* 3+ years of experience as a Risk Manager at an insurance carrier, or in a related insurance role with exposure to property risk assessment and broader risk management practices* OR 5+ years of experience in high-value home construction, skilled trades (e.g., plumbing, electrical, HVAC), home inspection, appraisal, or a related field* Strong interpersonal and oral and written communication skills are a must* Demonstrated ability to apply independent judgment and discretion in complex situations* Ability to work independently with minimal supervision* Detail-oriented with strong problem-solving skills* Professional, trustworthy and passionate about helping others**What We Do**We're a member-owned property and casualty insurer designed exclusively for financially successful families and driven by a purpose of doing what is right for our members. We provide exceptional service, hospitality and care, we partner with our members to help prevent losses and we create smart insurance solutions at fair prices.We aim for our members to *love their insurance*. It is our mission is to create a membership experience so compelling that our members never want to leave.**Who We Are**We want to be transparent about what we expect from each other. From PURE, you can expect: *Opportunities to stretch and grow:* your professional and personal development matters to us. We’re committed to providing experiences through on-the-job learning and professional development that increase your impact and rewards. *Clarity and kindness:* you can rely on us to be open, honest and supportive, offering clarity on what success looks like. *Support in good times and bad:* we believe in showing up for each other consistently, not only when it’s easy. You can expect a thoughtful partner, even when we disagree. *A community that cares:* we are committed to sustaining a community in which each person feels cared for as an individual. We lift each other up, celebrate wins together and support one another through challenges in work and life.**Who You Are**All of the strongest relationships are a partnership- a two way street. So here’s what we ask of you:* Aim to bring your best every day: you’re here because you want to be part of a team that makes a real impact and aims high.* Be a student and a teacher: share your knowledge and talents and be willing to listen and learn from those around you.* Get comfortable being uncomfortable: we face tough moments and obstacles with a “courage over comfort” approach and a positive, solutions-oriented mindset.* Be a culture builder: building a positive culture is everyone's responsibility, based on care, respect and openness to diverse perspectives. **Compensation Package** The base salary for this role can range from $80K - $100K, based on a full-time work schedule. An individual’s ultimate compensation will vary depending on job-related skills and experience, geographic location, alignment with market data, and equity among other team members with comparable experience. You will also be eligible for annual merit-based increases and discretionary bonuses.