HNW Residential Property Advisor - Cincinnati

PURE Insurance; Kentucky; On-site; USD 80,000 - 100,000; Full time

Benefits offered by this job

Annual merit-based increases

Discretionary bonuses

Job summary

PURE Insurance in Kentucky is seeking a Risk Manager to perform independent risk assessments, engage with members, and recommend mitigation strategies. The ideal candidate possesses 3+ years of experience in risk management or 5+ years in related fields, coupled with strong analytical and communication skills.

The role requires travel up to 50% to various sites, with a competitive salary between $80K and $100K, commensurate with experience and market alignment.

Qualifications

• 3+ years of experience as a Risk Manager or related insurance role.
• 5+ years of experience in high-value home construction or related field.
• Strong communication skills both oral and written.

Responsibilities

• Perform risk assessments for complex property conditions.
• Travel up to 50% for site evaluations.
• Recommend loss prevention strategies based on risk impact.

Skills

Interpersonal skills

Analytical skills

Independent judgment

Problem-solving skills

Education

Bachelor’s degree or relevant field experience

Job description

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.
• 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.
• Assess property conditions, evaluate replacement cost considerations, identify material risk factors, and determine 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.
• 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.

Compensation Package

Base salary ranges from $80K – $100K, based on a full‑time work schedule. Compensation varies based on job-related skills and experience, geographic location, alignment with market data, and equity among other team members with comparable experience. The role also includes annual merit‑based increases and discretionary bonuses.