Motivated, enthusiastic professional with close to 20 years experience in the insurance industry, all levels. Demonstrated history of excellent prioritization and organizational skills to ensure company standards/goals are met and or exceeded. Proven capability of handling a large volume of work timely and accurately, while also staying positive under pressure. Always willing to learn and try new things. I believe innovation is crucial to the continuing success of any organization.
Skills
Strong problem solving and decision making skills
Ability to multi-task in fast-paced environment
Experienced in Auto, BOP, Package, Umbrella, and WC lines of business
Excellent collaborator
Good understanding of the business and business priorities
Detail oriented and very well organized
Strong written and verbal communication skills
Maintain a good rapport with colleagues, agents, etc.
Proficient in Microsoft Word/Excel
Work History
Commercial Lines Underwriter II, 11/2018 to 12/2019 Kaufman Financial Group – Allentown, PA,
Responsible for managing assigned (Sr.) commercial lines underwriting territory by selecting, declining, or providing alternatives for the risks reviewed, as well as use judgement in pricing acceptable risks and binding exposures within given authority.
Assess new and renewal business for potential financial concerns ensuring risk meets underwriting guidelines / company philosophy.
Agency management responsibilities involving analyzing, monitoring, and evaluating assigned agencies to identify concerns or trends within book of business. Also includes agency visitations.
Go-to person for all agent inquiries, whether coverage or system related. Responsible for assisting agents to properly class vehicles, answer coverage concerns, confirm information provided vs. registry, etc., to ensure proper classification and pricing of risks. Also same for BOP's regarding selecting correct class code, reviewing coverages, etc.
Responsible for contacting other departments and/or external organizations regarding payment, cancellation and/or reinstatement issues, audit / inspection compliance, registry updates, etc., as well as documenting findings and/or diary for follow-up to resolve.
Provided expertise and mentoring to underwriting staff, assistants.
Daily communication / correspondence with rating department regarding endorsements, quoting/issuing new business, renewals, etc. Company has manual policies/rating procedures for some lines of business as well as certain coverages unable to view/process myself.
Assisted in reviewing endorsement requests referred from the FL office looking for approval. Florida office closed; all requests referred to underwriters in MA to handle until policy (account) non-renewal.
A bit of departmental changes as well as turnover in commercial lines. Frequently assisted fellow underwriters with tasks that may have fallen behind, as well as take on additional agents as needed.
Commercial Lines Underwriter, 04/2013 to 04/2018 Safety Insurance Group Inc. – City, STATE,
Within first few months (prior to receiving underwriting territory), I helped train team members on Auto, specifically on how to properly class vehicles, understanding coverage, analyzing MVR's, as well as confirming information via registry.
Worked closely with the Processing and Underwriting managers to revise current guidelines, as well as provide more authority in some areas for the in-house processing unit. This helped to alleviate the underwriter's workflow greatly, making it possible to devote their time on other items needing their attention.
Assisted in training our international processing team with Auto, including providing documents, training materials, examples, as well as detailed authority guidelines on what to process vs. refer to UW.
Responsible for handling Commercial BOP, Auto, and Umbrella renewals and new business within assigned territory, including endorsement requests needing attention/approval.
Daily communication with agents via email/phone, as well as some travel for visits.
Underwrite assigned accounts in a timely manner within given authority; refer fully detailed proposal to management when approval is needed.
Ordering/reviewing loss control inspections, following up to ensure recommendations have been addressed properly and/or take necessary action to cancel or non-renew due to non-compliance.
Properly price and quote new and renewal business, especially with changes in the market/rate increases, etc.
Explain/discuss products offered as well as possible account rounding opportunities for the Insured (via Agent).
Maintain required logs, records, documentation, etc., on all new business and renewals.
Participated in quarterly meetings with management and business development reps regarding select "key" agents that have the potential to increase book, and strategize to help achieve goals.
In addition to Underwriting, I worked as the liaison for our UW's and product specialists by performing detailed testing by identifying and resolving system issues (internal and external) including researching/documenting, and communicating issues discovered during testing. I also collaborated with management to help develop underwriting and agent guidelines as well as authority / capability for each with (new) rating system being developed.
Commercial Lines Underwriting Tech, 01/2010 to 04/2013 Hanover Insurance Group Inc. – City, STATE,
Responsible for supporting (2) underwriters by servicing accounts for assigned book of Middle Market business (accounts > $50K) for all lines of business, countrywide, to help achieve new business, total written premium, and retention goals.
Full triage/prep of new business and renewals for UW including: contacting agent for additional information needed, file documentation, MVR and loss analysis, coastal reviews, building valuations, reviewing loss controls, quoting/issuance, etc.
Worked closely with supervisor and rating manager to help identify potential to operational routines and best practices within the departments. This also included participating in meetings/training for our international processing team. This helped to establish a better workflow, especially regarding correspondence between rating and underwriting. Fewer back/forth requests allowing for faster turnaround.
Commercial Lines Senior Underwriting Assistant, 02/2001 to 12/2009 Onebeacon Insurance Group – City, STATE,
Initially started in Agency Services (mainly file work) and was promoted in six months to UW Assistant, and later Senior UW Assistant.
Responsibilities included processing endorsements, audits, cancellations, BOR’s, reinstatement’s, CRN’s, reviewing MVR's, new business triage and renewal prep, etc. on a daily basis.
Reaching out out to Agent(s) for additional information via email/phone.
Trained team members on systems, procedures, coverage questions, etc.
Assist supervisor with special projects as needed, such as month-end closing reports. Also began pilot for employees to work from home a couple days a week, as well as assigning tasks to assistants/rating dept.
Education
High School Diploma: , Expected in Attleboro High School - Attleboro, MA GPA:
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