# Competences — insurance risk consultant

Source: ESCO v1.2.1 occupation-skill relations (http://data.europa.eu/esco/occupation/7bcafcd7-3f35-4a72-849c-c92b334927fd).

## Essential

- **actuarial science** (knowledge)
- **advise on risk management** (skill/competence)
- **analyse financial risk** (skill/competence)
- **analyse insurance risk** (skill/competence)
- **conduct financial surveys** (skill/competence)
- **estimate damage** (skill/competence)
- **insurance law** (knowledge)
- **obtain financial information** (skill/competence)
- **perform risk analysis** (skill/competence)
- **prepare survey report** (skill/competence)
- **principles of insurance** (knowledge)
- **risk identification** (knowledge)
- **survey techniques** (knowledge)
- **types of insurance** (knowledge)

## Optional

- apply statistical analysis techniques (skill/competence)
- calculate insurance rate (skill/competence)
- claims procedures (knowledge)
- collect property financial information (skill/competence)
- compile statistical data for insurance purposes (skill/competence)
- create insurance policies (skill/competence)
- create risk maps (skill/competence)
- create underwriting guidelines (skill/competence)
- debt systems (knowledge)
- decide on insurance applications (skill/competence)
- modern portfolio theory (knowledge)
- organise a damage assessment (skill/competence)
- perform debt investigation (skill/competence)
- produce materials for decision making (skill/competence)
- provide support in financial calculation (skill/competence)
- review insurance process (skill/competence)
- statistics (knowledge)
- synthesise financial information (skill/competence)

<!-- market-evidence -->

## Market evidence (job-ad analysis, 25 ads, as of 2026-07-14)

Share of analyzed job ads mentioning the item (threshold ≥ 20 %). Source: JSearch/Adzuna APIs.

### Hard skills

- risk assessment — **52 %**
- hazard identification — **44 %**
- property inspection — **20 %**
- report writing — **20 %**

### Responsibilities

- report uploading — **20 %**
- management interviews — **20 %**
- hazard documentation — **20 %**
- site inspection appointment setting — **20 %**

<!-- market-evidence -->