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Circle K Logo Circle K · Insurance

Head of Insurance and Risk

United States of America, Raleigh · Job Posted April 16, 2026
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Job Description

The Head of Insurance and Risk is responsible for developing and executing the enterprise‑wide risk and insurance strategy for a large, multi‑site fuel and convenience retail organization. This role oversees global risk governance, insurance program design, and operational risk mitigation across retail stores, fuel operations, logistics fleets, and supply chain networks. A critical component of the position includes direct leadership of casualty claims management, ensuring efficient handling of high‑frequency, high‑severity claims typical in the fuel and convenience retail environment.

Job Responsibility

  • Build and maintain a comprehensive global risk management framework aligned with operational, financial, environmental, and regulatory priorities
  • Identify and assess risks across retail operations, fuel distribution, transportation, environmental compliance, and supply chain
  • Lead enterprise risk committees, reporting processes, and executive‑level risk communication
  • Advise senior leadership on emerging risks, including environmental liability, cyber threats, regulatory shifts, and market volatility
  • Design and manage global insurance programs covering property, casualty, auto/fleet, workers’ compensation, environmental liability, cyber, and specialty risks
  • Lead annual renewals, market negotiations, and program structuring to optimize coverage, retentions, and total cost of risk
  • Maintain strong relationships with brokers, carriers, TPAs, and risk engineering partners
  • Ensure insurance programs support business expansion, acquisitions, new store formats, and evolving fuel technologies (EV charging, alternative fuels)
  • Oversee end‑to‑end management of casualty claims, including: General liability (slip‑and‑fall, premises liability), Auto liability (fleet accidents, fuel transport), Workers’ compensation (retail and logistics workforce), Product liability (fuel quality, foodservice)
  • Establish claims handling protocols, reserving standards, and litigation management strategies
  • Partner with TPAs, defense counsel, insurers, and internal stakeholders to drive timely, cost‑effective claim resolution
  • Analyze claims data to identify trends, root causes, and opportunities for operational improvements
  • Ensure compliance with federal and state regulations governing casualty and workers’ compensation claims
  • Collaborate with operations, environmental health & safety, legal, HR, and supply chain teams to reduce risk exposure across thousands of retail sites and fuel assets
  • Lead development of loss‑prevention programs targeting: Slip‑and‑fall reduction, Fuel handling and environmental safety, Fleet safety and driver behavior, Robbery and crime‑related risk
  • Partner with risk engineering teams to implement site‑level improvements and safety standards
  • Manage global insurance budgets, including premiums, retentions, deductibles, and claims reserves
  • Deliver executive‑level reporting on risk metrics, claims performance, and financial impacts
  • Use analytics to forecast risk trends, evaluate program performance, and optimize total cost of risk
  • Lead and develop a global team of insurance, claims, and risk professionals
  • Foster a culture of risk awareness and accountability across retail, logistics, and corporate functions
  • Serve as a strategic partner to senior executives, providing insights that balance risk mitigation with business growth

Requirements

  • Bachelor’s degree required
  • advanced degree or professional designation (ARM, CPCU, CRM, JD) preferred
  • 12–15+ years of progressive experience in risk management, insurance, or claims leadership, ideally within retail, fuel distribution, logistics, or similarly complex operational environments
  • Deep expertise in casualty claims, including high‑volume retail claims and fleet‑related exposures
  • Strong negotiation skills and established relationships within the insurance and risk management community
  • Proven ability to lead global programs and influence senior stakeholders
  • Exceptional analytical, communication, and strategic‑thinking capabilities

What we offer

  • Competitive Salary
  • Complete benefits packages (medical, dental, deferred compensation plan, employee stock plan, etc.)
  • People Perks which allows for great discounts on food and fuel
  • Vacation / PTO time
  • Work in a collaborative, dynamic and high performing team
  • Work for a leading, innovative, and growing company in convenience stores operations
  • Fortune 500 company and a 5-time Gallup Exceptional Workplace Award Winner
  • Tuition reimbursement of $5,000 per year
  • Learning opportunities to develop new skills and to evolve professionally in a fast-growing company
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