Risk Team Director, Real Estate

The role

You will be the senior technical lead for risk advice on real estate accounts, including owners, operators, developers, REITs and investors. You will lead complex placements, set technical standards, and mentor advisors, with a path to building a Real Estate Risk team.

What you will do

• Lead complex real estate placements, including layered property towers, CAT-exposed portfolios, captive financing and wrap-ups
• Design risk management programs for real estate exposures across many lines of business
• Give technical expertise on real estate coverage issues such as CAT property, ordinance and law, and contractual risk transfer
• Partner with Risk Advisors on renewals, SOV optimization and CAT modeling outputs
• Lead loss analysis, benchmarking and claims trend work across real estate portfolios
• Evaluate client operations, leases, vendor agreements and risk transfer to propose solutions
• Build playbooks, technical standards and review processes for real estate risk advisory
• Develop and deliver internal training on real estate exposures and emerging issues
• Mentor Risk Advisors and hire and build a Real Estate Risk team as the practice grows
• Engage executive-level clients on coverage strategy, program design and carrier negotiations

Required qualifications

• 10+ years of experience in commercial insurance or risk management
• Deep specialization in the Real Estate vertical, ideally in a brokerage or consulting environment
• Track record of personally owning complex real estate placements
• Technical command of real estate insurance programs across Property, General Liability, Umbrella/Excess, Builders Risk, Environmental, Workers Comp, Auto, D&O, Crime, EPLI and Cyber
• Experience structuring programs for owners, operators, REITs, syndicators, developers or institutional investors
• Working knowledge of lease and loan insurance requirements, waivers of subrogation and additional insured compliance
• Fluency with CAT modeling outputs, COPE data quality and valuation methodologies
• Ability to communicate complex insurance and real estate risk concepts to executive clients
• Strong analytical and strategic thinking across asset classes, geographies and capital structures
• Builder's mindset for standing up a function from the ground up

Nice to have

• Prior people management experience
• Designations such as CPCU, ARM, CIC, CRM or CRIS

Benefits

• Competitive compensation that includes equity
• Medical, dental, vision, life and disability benefit plans
• Pre-tax accounts including FSA, HSAs, dependent care FSAs and commuter savings
• 401(k) through Human Interest
• Flexible time off, sick leave, family and medical leave and major national holidays
• A curated in-office employee experience

Before you apply

• Compensation expectations outside the stated range are still welcome to be discussed, as final offers reflect experience, scope and leveling

About the company

WithCoverage replaces the traditional insurance brokerage with AI-supported risk management and proprietary technology. It was founded by JD Ross and Max Brenner and has raised over $43M from investors including Sequoia, 8VC, Khosla Ventures and Crystal Venture Partners.