Director of Risk and Insurance

Job description

Director of Risk and Insurance

Multi-Brand QSR Franchisee (200 Locations)

Position Summary

The Director of Risk and Insurance leads enterprise-wide risk management and insurance strategy for a multi-brand quick service restaurant portfolio of more than 200 locations. Reporting directly to the Owner, this role has ownership of risk and insurance strategy across all brands and store formats. The role balances consistent enterprise-wide standards with the operational realities of managing distinct brand agreements, franchisor requirements, and local risk profiles.

Key Responsibilities

Enterprise Risk Strategy

Own the enterprise risk management framework across all brands, standardizing risk practices while accommodating brand-specific franchisor requirements

Present risk exposure, loss trends, and program performance directly to the Owner and executive team on a regular cadence

Identify and prioritize the organization’s top risk exposures at scale: workers’ compensation frequency/severity, slip-and-fall, food safety/product liability, third-party delivery exposure, robbery/violence, and multi-state regulatory compliance

Lead risk due diligence for acquisitions of additional stores or brands, including insurance program integration for newly acquired units

Lead a risk management team to support a 200 unit footprint

Develop crisis management protocols for major incidents (serious injury, fatality, foodborne illness outbreak, active threat, fire/catastrophic property loss) with clear escalation to ownership and legal counsel

Insurance Program Management

Design and manage a large, multi-brand commercial insurance program: general liability, property, workers’ compensation, commercial auto/fleet, umbrella/excess, and cyber

Evaluate and manage retention structures

Lead broker selection, RFP processes, and annual renewal strategy across the full portfolio

Ensure each brand’s program independently satisfies its specific franchisor insurance requirements (minimum limits, additional insured status, notice provisions) while managing overall program efficiency

Own the workers’ compensation program enterprise-wide: TPA relationship management, reserve accuracy, return-to-work programs, and experience modification rate management across all entities/states

Oversee claims strategy and outcomes across all lines, working with TPAs, adjusters, and outside counsel; elevate high-exposure claims and litigation to ownership

Manage certificate of insurance compliance for landlords, vendors, delivery/aggregator platforms, and contractors across all locations

Data, Budget & Reporting

Own the risk and insurance budget across all brands and forecast costs by brand and region

Implement and manage a Risk Management Information System (RMIS) to track claims, incidents, and loss trends

Benchmark loss performance by brand, region, and store to identify systemic issues vs. isolated incidents

Report key risk indicators, loss ratios, and program cost trends to the Owner, with recommendations tied to bottom-line impact

Leadership & Culture

Build scalable safety training programs deployable across multiple brands and hundreds of hourly managers/shift leads

Partner with HR, Operations leadership, Legal, and franchisor risk/compliance contacts

Drive a consistent safety culture across brands

Qualifications

Required

Bachelor’s degree in Business, Finance, Risk Management, or related field

8–10 years in risk management/commercial insurance, including experience managing programs across multiple entities, brands, or a large multi-unit footprint (100 locations)

Demonstrated experience managing workers’ compensation at scale, including e-mod management and TPA oversight

Experience with self-insured retention, large-deductible programs, or captive structures

Track record building or leading a risk management team

Experience negotiating large commercial insurance programs with brokers/carriers

Willingness to travel regularly across brands/regions

Preferred

Multi-brand restaurant or retail franchise experience specifically

Experience integrating risk/insurance programs following acquisitions

Experience presenting directly to ownership/board-level stakeholders

Competencies

Comfortable operating as a strategic advisor to the Owner while staying close enough to the field to catch real problems

Strong at building scalable systems and processes

Skilled at managing complexity across multiple franchisor relationships and requirements simultaneously

Financially fluent regarding loss ratios, e-mod trends, and premium forecasting in business terms

Team-builder

Base Salary

$95,000 to $150,000

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Worksite address

livermore, CA, 94551, US

Who can apply

Review the original listing for work authorization, qualifications and employer requirements.