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Company Berkley Aspire
Location Name AZ, Scottsdale - 14902 N 73rd Street
The Associate Underwriter works within a production underwriting team to produce commercial insurance products for selected retail agency partners.  The products provided are Commercial General Liability, Commercial Property, Commercial Inland Marine, and Commercial Follow Form Excess.  The Associate Underwriter has a primary responsibility for policy issuance and ensuring that service standards and compliance guidelines are met.  The Associate Underwriter will analyze information and have the opportunity to connect with their assigned agency partners. Specific Duties - Under general direction, analyze renewal data, set up pricing using provided renewal pricing tools and issue renewal quotes and/or renewal policies as the guidelines dictate. - Assist other underwriters on assigned team with handling the issuance of binders, endorsements, cancellations, and, reinstatements for assigned agents within the service standard guidelines - Ensure underwriting files, service standards and compliance guidelines are adhered to and underwriting authority letter is followed at all times. - Rapidly evaluate, prioritize, and select most important tasks to handle for the assigned underwriting team. This includes but is not limited to: - Handling of assigned team’s general email inbox - Rating multi-location, multi-state accounts as needed for other underwriters on assigned team(s) - Ordering Loss Control reports from third party vendors when requested - Enter reinsurance cessions into reinsurance accounting system for payment reconciliation May perform other functions as assigned.
ID
2020-4442
Primary Location
US-AZ-Scottsdale
Company Berkley Aspire
Location Name VA, Glen Allen - 4820 Lake Brook - Suite 300
The Associate Underwriter works within a production underwriting team to produce commercial insurance products for selected retail agency partners.  The products provided are Commercial General Liability, Commercial Property, Commercial Inland Marine, and Commercial Follow Form Excess.  The Associate Underwriter has a primary responsibility for policy issuance and ensuring that service standards and compliance guidelines are met.  The Associate Underwriter will analyze information and have the opportunity to connect with their assigned agency partners. Specific Duties - Under general direction, analyze renewal data, set up pricing using provided renewal pricing tools and issue renewal quotes and/or renewal policies as the guidelines dictate. - Assist other underwriters on assigned team with handling the issuance of binders, endorsements, cancellations, and, reinstatements for assigned agents within the service standard guidelines - Ensure underwriting files, service standards and compliance guidelines are adhered to and underwriting authority letter is followed at all times. - Rapidly evaluate, prioritize, and select most important tasks to handle for the assigned underwriting team. This includes but is not limited to: - Handling of assigned team’s general email inbox - Rating multi-location, multi-state accounts as needed for other underwriters on assigned team(s) - Ordering Loss Control reports from third party vendors when requested - Enter reinsurance cessions into reinsurance accounting system for payment reconciliation May perform other functions as assigned.
ID
2020-4441
Primary Location
US-VA-Glen Allen
Company Berkley Oil & Gas
Location Name TX, Houston - 2107 CityWest Blvd
ID
2020-4437
Primary Location
US-TX-Houston
Loc2
CO, Englewood
Company Berkley Alliance Managers
Location Name CT, Glastonbury
In this position the Underwriting Assistant will support the Berkley Services Professional Underwriting Team with various tasks relating to underwriting risks and account management as well as ensuring file data quality. - Handle the Submission Clearance and Acknowledgement Letter process - Generate/email Loss Runs as requested by Brokers - Handle Broker of Record process - Handle Conditional Non-Renewal process - Handle Renewal Solicitation Process - Provide routine follow-up with brokers on outstanding Policy Subjectivities and keep Underwriter informed of status - Handle Policy Issuance processing - Handle Endorsement/mid-term request processing - Handle Broker inquiries - Provide back-up to other business unit Underwriting Assistants  and Claims Assistant - Handle special projects/assignments as needed
ID
2020-4431
Primary Location
US-CT-Glastonbury
Company Key Risk
Location Name GA, Atlanta - 2 Ravinia Drive - Suite 1000
The Claims Professional is responsible for the analysis and management of workers’ compensation claims for assigned clients, including minor and complex claims.  This position will review, investigate, and make decisions regarding coverage, compensability, and appropriateness of claims.  The position will process and document claims to ensure compliance with company standards, industry best practices, and legislative provisions. Acts in a fiduciary role on behalf of policyholders and negotiates claim settlements. Claims Professionals conduct the handling of claims in the utmost of good faith in compliance with the rules, regulations and state statutes. Experience and the degree to which a claim professional can work independently to make sound decisions, reserve recommendations and drive outcomes will determine the hiring position, ranging from a Claim Representative I to a Senior Claim Representative. The Claims Professional is expected to function with a high degree of competency and independence. The use of sound judgment coupled with strong technical claim handling skills and consistent results are expected.    Principle Responsibilities - Analyzes and processes workers’ compensation claims by investigating and gathering information to determine the exposure on the claim. - Negotiate settlement of claims up to designated authority level and makes claims payments. - Calculates and assigns timely appropriate reserves to claims and continues to manage reserve adequacy throughout the life of the claim. - Calculates and pays benefits due; approves all claim payments; and settles claims within designated authority level. - Develops and manages claims though well-developed action plans; continues to work the action plan to bring the claim to an appropriate and timely resolution. - Prepares necessary state filings within statutory limits. - Actively manages the litigation process; ensures timely and cost-effective claims resolution. - Coordinates vendor referrals for additional investigation and/or litigation management. - Uses appropriate cost containment techniques including strategic vendor partnerships to reduce overall cost of claims. - Frequently communicates with all appropriate parties involved with the claim. - Maintains professional client relationships. - Actively executes appropriate claims activities to ensure consistent delivery of quality claims services.
ID
2020-4429
Primary Location
US-GA-Atlanta
Loc2
North Carolina
Loc3
South Carolina
Loc4
Florida
Loc5
Alabama
Loc6
Tennessee
Company Berkley Financial & Statutory Services
Location Name IA, Urbandale - 11201 Douglas Avenue
Handle the daily processing of disbursements for the Companies that we service while providing excellent customer service and maintain a high level of attention to detail. - Processing of all disbursements for the Companies you are assigned through the invoice workflow system or interface files (claims, premium refunds, commissions). - Coding of invoices and payment requests in Accounts Payable system. - Assist with printing of checks and special handling. - Respond to Company inquiries on payment and invoice submission. - Provide excellent customer service. - Verify approval on invoices and payment requests. - Other duties as assigned.
ID
2020-4428
Primary Location
US-IA-Urbandale
Company Berkley Agribusiness
Location Name IA, Urbandale - 11201 Douglas Avenue
The Commercial Underwriting Specialist accepts, retains and prices agribusiness insurance risks of significant size or technical complexity in accordance with established underwriting guidelines and within delegated authority level.  Manages book of business to achieve profitable growth objectives by properly classifying and pricing risks; building strong internal and external business relationships; analyzing competitive marketing data, and developing, implementing and monitoring action plans as appropriate.  Serves as the point of contact for assigned agencies and is responsible for the agency relationship.  Serves as technical underwriting resource to staff and facilitates the placement of facultative reinsurances as needed. - Assesses new commercial agribusiness insurance risks and determines accurate classification of business, policy contract forms and pricing of risk.  Works within broad limits and authority on commercial underwriting accounts of significant size or high technical complexity.  Evaluates property (COPE) information, liability exposures, fleet and safety programs, loss history, financial reports, risk control reports, etc.  Accepts and prices risk in accordance with established underwriting guidelines and within delegated authority level.   - Reviews renewal accounts by examining business operations, classification, contract forms and loss activity.   Determines if account is an acceptable risk or if it will be non-renewed.  Determines price in accordance with established underwriting guidelines and within delegated authority level.  Reviews accounts and endorsement requests exceeding Senior Underwriter, Underwriter or Underwriting Assistant’s authority level and takes appropriate procedural action.   - Develops, expands and/or enhances agency relationships to promote profitability and growth of new business and the retention of existing business.  Travels and meets with agents and customers to enhance business relationships.  Educates agency staff on pricing, product set and risk selection philosophy.  Participates in the agency management process.  Assesses the strengths and weaknesses of agencies and assists them in achieving the mutual goal of sustained profitable growth.    - Identifies new business opportunities from the agency force to assess, quote, inspect and accept.  Collaborates with Underwriting team, Risk Control, Claims, IT and Senior Management to create strong agency partnerships and build a profitable book of business.  Effectively manages book of business to achieve established profitability, growth and retention goals.m  - Serves as a technical underwriting resource to underwriting staff and agents regarding products, coverages and rating procedures.  Provides professional development knowledge and guidance to Senior Underwriters, Underwriters, Underwriting Assistants and other functional areas.   - Identifies and handles accounts that require placement of facultative reinsurance and facilitates placement through W.R. Berkley Corporation approved markets.   - Analyzes agency results, competitive marketing data and operating environment of territory/agency.  Stays current on relevant insurance industry trends and issues.  
ID
2020-4427
Primary Location
US-IA-Urbandale
Company Admiral Insurance Group
Location Name NJ, Mount Laurel
The role of the VP of Casualty Product Management is to provide technical assistance in the Product Management Department and lead efforts related to new product development, existing product maintenance, form and endorsement drafting, product related training, product specific research in support of the company’s product management initiatives. This position is a home office position with no production or marketing responsibility and will eventually manage a team of Executive Underwriters and Product Analysts.   - Draft and approve policy language. - Draft, approve and take responsibility for publishing of underwriting guidelines and other pertinent product related documentation. - Coordinate product related systems work with IT. - Attend claims committee meetings in order to stay abreast of potential problems with our products. - Assist in development and delivery of training for Underwriting and Claims. - Lead and participate in research projects on trends and industries in order to seek out new product opportunities or changes to existing products. - Vet new products and present opportunities to leadership for approval. - Stay abreast and knowledgeable on market trends in terms of forms, coverage and appetite to maintain competitiveness. - Review ISO Circular and incorporate necessary changes to forms, endorsements and rating in collaboration with Underwriting. - Work with marketing to develop marketing plans in conjunction with product launches or marketing initiatives related to product life cycles. - Participate in book profitability analyses and corresponding action plan development. - Support Underwriting and Marketing initiatives as needed (i.e. Speaking on Panels, writing White Papers and Case Studies for publication or presentations). - As necessary, provide Release Notes Related to UW projects that IT is putting into production. - Assist and lead special projects related to product development, research or maintenance as needed. - Determine risk management needs related to our products. - Determine reinsurance needs as necessary related to specific products and assist CUO in finalizing reinsurance placements. - Manage and oversee Executive Underwriters and Product Analysts.
ID
2020-4426
Primary Location
US-NJ-Mount Laurel
Loc2
WA, Seattle - 520 Pike Street
Loc3
GA, Duluth - 6455 East Johns Crossing - Suite 325
Loc4
IL, Chicago - 550 W Jackson Blvd - 5th Floor
Loc5
TX, Austin
Company Admiral Insurance Group
Location Name NJ, Mount Laurel
The role of the Home Office Underwriter is to provide technical assistance in the Home Office Underwriting Department on special projects, underwriting audits, corporate initiatives and product specific research while supporting the VPs and Executive Underwriters.   - Provide support to the underwriting audit process. - Attend and participate in IT meetings and other meetings as needed. - Participate in WRBC and other data calls as needed. - Support the drafting of policy language and underwriting guidelines. - Support research projects on trends impacting our Casualty business. - Collaborate with Product Management, as needed. - Assist with special projects and tasks, as directed by the Chief Underwriting Officer and/or VP.
ID
2020-4424
Primary Location
US-NJ-Mount Laurel
Loc2
TX, Austin
Loc3
WA, Seattle - 520 Pike Street
Loc4
IL, Chicago - 550 W Jackson Blvd - 5th Floor
Loc5
GA, Duluth - 6455 East Johns Crossing - Suite 325
Company Berkley Custom Insurance Managers
Location Name IL, Chicago - 550 W Jackson Blvd - 5th Floor
The Technical Assistant 1 will support our Underwriters in processing new and renewal business and managing and maintaining policy files.   - Prepare, organize and maintain files, follow-up for additional information and suspense according to established time-frames. - Produce various required reports - Develop and maintain required databases The  Technical Assistant 1 fulfills the primary responsibilities of the role by executing the following duties and tasks:   - Clear and Set up Submissions - Handle OFAC Clearance - Set up policy folders in Sharepoint and Paper files - Issue Renewal/Non-renewal, Conditional Notices in ODEN - Request and Review Underlying Policies - Responsible for making sure all policies (folders and sharepoint) contain coding sheets, invoices, quotes, binders, submissions, correspondence, reports, loss runs and underlying policies and checklist. - Request Loss runs, completed TRIA forms and Surplus Lines Letter and handle follow up request - Issue non-premium bearing endorsements    
ID
2020-4423
Primary Location
US-IL-Chicago
Company WRBC Support Services
Location Name IA, Urbandale - 3840 109th Street
Looking for a Financial Analyst to become part of a Corporate Financial Planning and Data Analysis team.  This person will be involved with strategic analysis and content evaluation related to various global financial applications.  The individual will work cross-functionally to translate & consolidate data from multiple Berkley operating units into a cohesive set of financial data which will be used to inform decisions regarding profitability and risk assessment.  The cross-functional nature of the project will require the coordination from various teams such as underwriting, marketing, claims, technology, actuarial, accounting and operations.  This role will focus on strategy & analysis of the integration of various financial data sets and applications in order to facilitate best practices and drive innovation for the future state of operating unit’s data.   Responsibilities:  - Determine and implement data reporting strategies to provide critical information to operating units, finance, and other key areas. - Partner with non-financial business managers and team members to perform strategic work - Assist with general business processes, accounting, audits, financial related issues, and other production related items associated with Peoplesoft, Vena, and the Berkley Data Warehouse (BDW). - Present work and engage in strategic discussions with senior management. - Work cross-functionally with multiple departments including Underwriting, Marketing, Claims, Accounting, etc. - Responsible for the development of reporting requirements and models to facilitate analyses supported by data metrics and analytics from various applications. - Conduct analysis of key business drivers, trends and performance indicators to provide value-added inputs. - Manage and complete monthly reconciliations for companies going through the implementation. - Work extensively with both international and US based finance teams across the multiple projects. - Monitor and manage adherence to financial standards and governance implemented by the Corporate Finance organization and BDW steering committee.
ID
2020-4420
Primary Location
US-IA-Urbandale
Company Berkley Asset Protection
Location Name NY, New York - 757 Third Ave - 10th Floor
Berkley Asset Protection, a Berkley company, is hiring for the position of Underwriting Analyst in its New York City office. The job location is New York City and reports to the Assistant Vice President of Underwriting.   Berkley Asset Protection was established in 2008 to deliver the industry’s most complete and high quality portfolio of specialized insurance products and services to protect fine art, jewelry and other high-value personal and commercial assets. We support the market through close partnerships with an established distribution network of retail and wholesale insurance professionals. Our brokers and agents cater to a global base of clients in a variety of environments, including private and corporate art collections, museums, galleries, and exhibition, jewelry wholesalers, retailers, and manufacturers, along with those who work with collectibles, currencies, securities, and other high-value assets. Our claims and loss control operation is the undisputed gold standard for the entire fine art and jewelry insurance industry.   About the job Our culture is one of innovation, creativity and teamwork. Our team is highly motivated, passionate about our business, and deeply experienced in developing and delivering product and service solutions to personal and commercial customers. This role will be responsible for providing support to Underwriting.   What you will do - Work with underwriters to learn and review risk management reports to identify and recommend risk management solutions and requirements - Shadow an underwriter to understand the daily role of communication, risk selection and work priority. - Work with underwriter to understand our Jewelers Block risk appetite in terms of profitable Block business versus challenged Block business. - Conduct deep dive research into customers (both brokers and insureds) and their risk characteristics - Be well versed in the underwriting assistant responsibilities which include: - Prepare underwriting transactions, including renewals, new lines and endorsements - Review and follow up for required documentation and signatures - Process administrative changes including broker of record, non-renewals, cancelations, reinstatements and other changes - Complete quotes on business submitted by agents and brokers - Complete data entry and/or upload of large schedules and other data - Resolve discrepancies from third party data reports - Projects and other work as assigned
ID
2020-4419
Primary Location
US-NY-New York
Company Berkley Southeast Insurance Group
Location Name GA, Lawrenceville
The Property Claim Specialist is responsible for the quality handling and resolution of a wide variety of commercial property claims in a timely and professional manner with emphasis on providing quality service while controlling expenses. This position routinely handles claims involving coverage issues, significant damages and other claims that require specialized handling.  Duties and responsibilities include but are not limited to: - Review new losses and appropriately manage claims through coverage analysis, investigation, damages evaluation, reserving and resolution on commercial property claims, including some litigated property claims. - Provide excellent customer service to meet the needs of the insured, agent and all other internal and external customers.                                                                       - Evaluate property estimates and bills for accuracy and applicability to coverage relating to the type of claims submitted. - Direct independent adjusters on inspection assignments to assure timeliness and quality in the claim handling process.   Assure expenses are reasonable. - Establish timely and accurate claim and expense reserves and maintain proper reserving throughout the life of a claim. - Negotiate and convey claim settlements within authority limits.               - Participate in regional round table meetings as needed. - Write Reservation of Rights and Coverage Denial letters and other complex correspondence. - Maintain an effective dairy system and document claim file activities in accordance with established procedures. - Manage file inventory to ensure timely resolution of cases. - Handle files in compliance with state regulations.      - Investigate claims for potential fraud and work with designated SIU (Special Investigation Unit) personnel. 
ID
2020-4418
Primary Location
US-GA-Lawrenceville
Company Acadia Insurance
Location Name NY, Albany - 20 Corporate Woods Boulevard
- Responsible for new and renewal accounts with a focus on acquisition including underwriting and pricing accounts in accordance with Acadia’s underwriting standards and personal underwriting authority. - Evaluate, select, and price policies for assigned agencies to achieve underwriting profit (within underwriting authority), premium growth, desired business mix, market/agency penetration, and agency management objectives with a focus on new business. Refer risks exceeding authority to management with recommendations for approval or disposition. - Develop and manage assigned agency relationships with producers and customers through visitations and regular customer contact. - Evaluate the performance of assigned agencies on an ongoing basis to ensure company and agency goals and objectives are met. Participate in review and evaluation of agencies and make recommendations on agency management issues. Communicate corporate goals, programs, underwriting policies, procedures, and guidelines to agents. - Monitor production, hit ratios, renewal retention ratios, spread of risk, and other production and quality measures. - Request information needed for underwriting and pricing of assigned business. - Conduct negotiations with assigned agents. - Coordinate loss control, claim, audit and billing services as needed. - Bind reinsurance, review certificates from reinsurers. - Maintain a workflow for your assigned territory which meets all the standards and expectations of the department. Strive to improve processes within the Company to increase the level and quality of service provided to internal and external customers. - Demonstrate a commitment to self-development. - Manage larger agencies and complex accounts. - Act as a resource for others in the department and provide direction to underwriters and support staff as needed. - Negotiate facultative reinsurance on accounts where needed. - Train or assist in training others as necessary. Help co-workers improve their skills by sharing your knowledge. - Develop loss sensitive pricing approaches including retrospective rating plans and large deductibles. - Assist in the training (coverages, new products) of staff.
ID
2020-4416
Primary Location
US-NY-Albany
Loc2
NY, Syracuse
Company Berkley Offshore Underwriting Managers
Location Name NY, New York - 757 Third Ave - 11th Floor
The Marine Underwriter is responsible for underwriting profitable new and renewal business to meet marine targets in accordance with underwriting guidelines and authority.  S/he negotiates prices, terms and conditions and assumes ownership of key accounts and while maintaining strong relationships with Producers.  Duties and responsibilities include but are not limited to:  - Supporting the development and execution of marine underwriting strategy for the company. - Underwriting new and renewal accounts to meet the top and bottom line targets, in accordance with established underwriting guidelines and authorities. - Ensuring accurate policy documentation is issued to producers in accordance with established service standards. - Proactively supporting the acquisition of new business and retention of existing business (including client and producer negotiations where necessary) - Developing and maintaining strong relationships with key producers, clients and other relevant stakeholders. - Supervising and developing junior staff
ID
2020-4414
Primary Location
US-NY-New York
Company Berkley Offshore Underwriting Managers
Location Name NY, New York - 757 Third Ave - 11th Floor
The Marine Underwriting Associate will provide support on new and existing business and will learn all aspects of the underwriting process.  This is an excellent opportunity for a professional and motivated individual to build his/her career in underwriting.  Duties and responsibilities include but are not limited to: - Preparing new and renewal submissions to be reviewed by underwriters and assisting in the rating process.  - Correspond with brokers to gather information needed to evaluate risk characteristics, financials, loss experience, etc. - Creating and issuing timely, accurate documentation consisting of quotes, binders, policies, endorsements, and invoices. - Handling premium booking and working closely with the Accounting Department to resolve any payment questions or discrepancies. - Maintaining various databases used to track and analyze the profile and performance of the overall book of business, with specific focus on certain classes of business and geographic regions.   - Enhancing technical knowledge through courses provided by the American Institute of Marine Underwriters, The School of Risk Management, Insurance and Actuarial Science, etc
ID
2020-4413
Primary Location
US-NY-New York
Company Berkley Offshore Underwriting Managers
Location Name NY, New York - 757 Third Ave - 11th Floor
The Underwriting Assistant provides administrative support to a team of Underwriters and Underwriting Leaders.  Duties and responsibilities include but are not limited to: - Prepares accounts for renewal by conducting claims checks, preparing a brief financial analysis, and researching recent corporate events.  - Assists underwriters in the quoting, binding, and issuance process by using proprietary systems to generate the necessary letters and documents. - Handles all premium entry using proprietary systems for all new and renewal accounts and endorsements. - Works with the finance department to reconcile any accounting discrepancies. - Compiles client meeting preparation documents for Management use. - Maintains other spreadsheets / databases as required. - Maintains accurate policy files on bound and lost business accounts by scanning and uploading necessary documents on a weekly basis.  - Prepares for and participates on group underwriting conference calls conducted in advance of quoting.
ID
2020-4412
Primary Location
US-NY-New York
Company Admiral Insurance Group
Location Name NJ, Mount Laurel
ID
2020-4411
Primary Location
US-NJ-Mount Laurel
Company Berkley Southeast Insurance Group
Location Name TN, Nashville - 25 Century Blvd
Position Overview: Responsible for handling the quoting and issuance of New Business, Renewals and Endorsements as specified by renewal cycles or agency submissions.  Interaction with Underwriting Assistants and Underwriters occurs daily.  Individual will be expected to have a pleasant demeanor and present themselves in a professional manner at all times. Specific Areas of Responsibility: - Rate and issue quotes, new business, renewals and endorsements using the available systems and local software programs - Obtains and reviews pertinent information needed to evaluate renewals and endorsements as requested, according to prescribed criteria and authority - Review, analyze and process requests received from agents as directed. Take necessary action when requesting additional information needed to process business. Follow up with the appropriate internal and external customers - Maintain quality and time standards as established - Provide timely, courteous and efficient service to all internal and external customers - Communicates timely and in a positive manner. Written and oral communication should be clear, concise and articulate - Document files with the appropriate underwriting/rating information to assure activity and analysis is clear, concise and completed as directed - Perform other duties as assigned
ID
2020-4410
Primary Location
US-TN-Nashville
Company Acadia Insurance
Location Name ME, Westbrook
- Responsible for new and renewal accounts with a focus on acquisition including underwriting and pricing accounts in accordance with Acadia’s underwriting standards and personal underwriting authority. - Evaluate, select, and price policies for assigned agencies to achieve underwriting profit (within underwriting authority), premium growth, desired business mix, market/agency penetration, and agency management objectives with a focus on new business. Refer risks exceeding authority to management with recommendations for approval or disposition. - Develop and manage assigned agency relationships with producers and customers through visitations and regular customer contact. - Evaluate the performance of assigned agencies on an ongoing basis to ensure company and agency goals and objectives are met. Participate in review and evaluation of agencies and make recommendations on agency management issues. Communicate corporate goals, programs, underwriting policies, procedures, and guidelines to agents. - Monitor production, hit ratios, renewal retention ratios, spread of risk, and other production and quality measures. - Request information needed for underwriting and pricing of assigned business. - Conduct negotiations with assigned agents. - Coordinate loss control, claim, audit and billing services as needed. - Bind reinsurance, review certificates from reinsurers. - Maintain a workflow for your assigned territory which meets all the standards and expectations of the department. Strive to improve processes within the Company to increase the level and quality of service provided to internal and external customers. - Demonstrate a commitment to self-development. - Manage larger agencies and complex accounts. - Act as a resource for others in the department and provide direction to underwriters and support staff as needed. - Negotiate facultative reinsurance on accounts where needed. - Train or assist in training others as necessary. Help co-workers improve their skills by sharing your knowledge. - Develop loss sensitive pricing approaches including retrospective rating plans and large deductibles. - Assist in the training (coverages, new products) of staff.
ID
2020-4408
Primary Location
US-ME-Westbrook

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