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Pedro Turner
Commercial Lines Underwriter
Summary
Highly competent and experienced Commercial Lines Underwriter with a proven track record of underwriting primary and excess commercial general liability (CGL) policies for a wide range of businesses. Adept at evaluating risks, assessing coverage needs, and determining appropriate policy terms and conditions for commercial property insurance policies. Collaborated with brokers and agents to provide exceptional customer service and ensure client needs were met. Managed a portfolio of 500+ commercial lines policies, providing ongoing underwriting support and policy administration. Developed underwriting guidelines to streamline risk assessment and policy issuance. Inspected commercial properties to identify potential hazards. Proficient in insurance software and databases. Looking to leverage my expertise and contribute to the success of a dynamic insurance organization.
Education
Bachelor’s degree in Insurance
July 2015
Skills
- Commercial Property Underwriting
- Commercial General Liability Underwriting
- Commercial Auto Underwriting
- Excess and Surplus Lines Underwriting
- Underwriting Risk Assessment and Analysis
- Policy Issuance and Endorsement Processing
Work Experience
Commercial Lines Underwriter
- Managed a portfolio of over 500 commercial lines policies, providing ongoing underwriting support and policy administration.
- Developed and implemented underwriting guidelines and procedures to enhance risk selection and policy issuance.
- Conducted thorough inspections of commercial properties to identify potential hazards and assess risk mitigation measures.
- Utilized insurance software and databases to process applications, issue policies, and track claims history.
Commercial Lines Underwriter
- Underwrote primary and excess commercial general liability (CGL) policies for a wide range of businesses, including manufacturers, retailers, and healthcare providers, with limits up to $10M.
- Evaluated risks, assessed coverage needs, and determined appropriate policy terms and conditions for various commercial property insurance policies, including buildings, equipment, and inventory.
- Analyzed financial statements and loss history to accurately assess the financial stability and risk profile of commercial clients.
- Collaborated with brokers and agents to provide exceptional customer service and ensure clients needs were met.
Accomplishments
- Successfully implemented a new underwriting guideline that reduced loss ratio by 5%.
- Developed and implemented a training program for new underwriters, resulting in a 20% increase in productivity.
- Collaborated with brokers to design and implement customized insurance solutions that met the unique needs of their clients.
- Utilized advanced analytical tools to identify and mitigate underwriting risks, resulting in a 10% decrease in underwriting expenses.
- Successfully negotiated complex insurance contracts with legal counsel to ensure optimal coverage for policyholders.
Awards
- Recognized as Underwriter of the Year for exceptional performance in underwriting commercial lines policies.
- Awarded the Presidents Club Award for outstanding underwriting profitability.
- Recognized for underwriting a large and complex commercial property portfolio with minimal loss experience.
- Awarded the Underwriting Excellence Award for consistently exceeding underwriting targets.
Certificates
- Chartered Property Casualty Underwriter (CPCU)
- Associate in Commercial Underwriting (AU)
- Accredited Advisor in Insurance (AAI)
- National Flood Insurance Program (NFIP) Certification
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How To Write Resume For Commercial Lines Underwriter
- Highlight your expertise in underwriting commercial lines policies, particularly CGL and property insurance.
- Quantify your accomplishments with specific metrics, such as the number of policies underwritten or the amount of premiums generated.
- Demonstrate your knowledge of insurance regulations and industry best practices.
- Showcase your communication and interpersonal skills, as you will be working closely with brokers, agents, and clients.
Essential Experience Highlights for a Strong Commercial Lines Underwriter Resume
- Underwrite commercial general liability (CGL) and excess liability policies for a range of businesses.
- Assess risk, determine appropriate coverage, and establish policy terms and conditions for various commercial property insurance policies.
- Analyze financial statements and loss history to evaluate the financial stability and risk profile of commercial clients.
- Manage and support a portfolio of over 500 commercial lines policies, including underwriting, policy administration, and claims handling.
- Develop and implement underwriting guidelines to enhance risk selection and policy issuance.
- Conduct thorough inspections of commercial properties to identify potential hazards and assess risk mitigation measures.
- Collaborate with brokers and agents to provide exceptional customer service and ensure clients’ needs are met.
Frequently Asked Questions (FAQ’s) For Commercial Lines Underwriter
What is the role of a Commercial Lines Underwriter?
A Commercial Lines Underwriter evaluates and assesses risks associated with commercial insurance policies, such as general liability, property, and auto insurance. They determine the appropriate coverage and policy terms based on the specific needs of businesses.
What are the key skills required for a Commercial Lines Underwriter?
Strong analytical and risk assessment skills, knowledge of commercial insurance products and underwriting guidelines, excellent communication and interpersonal skills, and proficiency in insurance software and databases.
What is the career path for a Commercial Lines Underwriter?
With experience and expertise, Commercial Lines Underwriters can advance to senior underwriting roles, management positions, or specialized areas such as excess and surplus lines underwriting.
What is the job outlook for Commercial Lines Underwriters?
The job outlook for Commercial Lines Underwriters is expected to grow in the coming years due to the increasing demand for insurance coverage and risk management services for businesses.
What are the earning prospects for Commercial Lines Underwriters?
Commercial Lines Underwriters with experience and expertise can earn competitive salaries and benefits packages, including bonuses, commissions, and profit-sharing plans.
What are the challenges faced by Commercial Lines Underwriters?
Commercial Lines Underwriters face challenges such as assessing complex risks, keeping up with changing regulations, and managing large portfolios of policies.
What are the rewards of being a Commercial Lines Underwriter?
Commercial Lines Underwriters experience rewards such as job security, career growth opportunities, and the satisfaction of providing valuable risk management services to businesses.
What are some tips for writing a standout Commercial Lines Underwriter resume?
Highlight your underwriting experience, quantify your accomplishments, demonstrate your industry knowledge, and showcase your communication and interpersonal skills.