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Summary
Surveys business operations and consults with policyholders and underwriting to determine the type and level of exposures and controls needed. Determines customers’ ability to control the exposures by gathering information through physical surveys, program audits, loss history analysis, comparison to industry standards and customer interviews. Provides training, mentoring, specialized technical advice and counsel to staff and customers. Assists Underwriters with risk selection and ongoing account management.
Essential Duties & Responsibilities
Surveys commercial properties such as buildings, industrial operations, agri-business operations, and commercial vehicles to evaluate physical conditions, safety practices, and hazardous situations according to knowledge of safety standards, established underwriting guidelines and governmental regulations. Utilizes experience and technical expertise to survey large or complex operations as requested by supervisor/manager. Observes business operations and management practices to determine safety issues and hazards. Analyzes history of accidents and claims and inspects scenes of accidents to determine causes and to consult in development of accident prevention programs. Measures insured area(s), records description of operations, and photographs or drafts scale drawings of properties, to identify factors affecting risk acceptability and insurance premiums. 30%
Consults with insured in regard to activities and programs to control losses and improve safety. Confers with employees of insured, provides informational materials, and conducts training as needed induce compliance with safety standards, codes, and regulations. 10%
Prepares timely written reports of findings to assist the Underwriter’s risk selection process and makes recommendation to help accounts reduce potential for loss. 40%
Provides training, mentoring, specialized technical advice and counsel to internal staff regarding regulations, hazards and controls associated with area(s) of expertise. 5%
Maintains knowledge of regulatory standards (OSHA, DOT) and local and national codes (NFPA, ICC) through participation in continuing education opportunities. Performs miscellaneous office duties not limited to answering phone calls, emails and completing schedules, etc. 15%
Performs other related duties as assigned by management.
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Summary
Surveys business operations and consults with policyholders and underwriting to determine the type and level of exposures and controls needed. Determines customers’ ability to control the exposures by gathering information through physical surveys, program audits, loss history analysis, comparison to industry standards and customer interviews. Provides training, mentoring, specialized technical advice and counsel to staff and customers. Assists Underwriters with risk selection and ongoing account management.
Essential Duties & Responsibilities
Surveys commercial properties such as buildings, industrial operations, agri-business operations, and commercial vehicles to evaluate physical conditions, safety practices, and hazardous situations according to knowledge of safety standards, established underwriting guidelines and governmental regulations. Utilizes experience and technical expertise to survey large or complex operations as requested by supervisor/manager. Observes business operations and management practices to determine safety issues and hazards. Analyzes history of accidents and claims and inspects scenes of accidents to determine causes and to consult in development of accident prevention programs. Measures insured area(s), records description of operations, and photographs or drafts scale drawings of properties, to identify factors affecting risk acceptability and insurance premiums. 30%
Consults with insured in regard to activities and programs to control losses and improve safety. Confers with employees of insured, provides informational materials, and conducts training as needed induce compliance with safety standards, codes, and regulations. 10%
Prepares timely written reports of findings to assist the Underwriter’s risk selection process and makes recommendation to help accounts reduce potential for loss. 40%
Provides training, mentoring, specialized technical advice and counsel to internal staff regarding regulations, hazards and controls associated with area(s) of expertise. 5%
Maintains knowledge of regulatory standards (OSHA, DOT) and local and national codes (NFPA, ICC) through participation in continuing education opportunities. Performs miscellaneous office duties not limited to answering phone calls, emails and completing schedules, etc. 15%
Performs other related duties as assigned by management.
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Summary
Surveys business operations and consults with policyholders and underwriting to determine the type and level of exposures and controls needed. Determines customers’ ability to control the exposures by gathering information through physical surveys, program audits, loss history analysis, comparison to industry standards and customer interviews. Provides training, mentoring, specialized technical advice and counsel to staff and customers. Assists Underwriters with risk selection and ongoing account management.
Essential Duties & Responsibilities
Surveys commercial properties such as buildings, industrial operations, agri-business operations, and commercial vehicles to evaluate physical conditions, safety practices, and hazardous situations according to knowledge of safety standards, established underwriting guidelines and governmental regulations. Utilizes experience and technical expertise to survey large or complex operations as requested by supervisor/manager. Observes business operations and management practices to determine safety issues and hazards. Analyzes history of accidents and claims and inspects scenes of accidents to determine causes and to consult in development of accident prevention programs. Measures insured area(s), records description of operations, and photographs or drafts scale drawings of properties, to identify factors affecting risk acceptability and insurance premiums. 30%
Consults with insured in regard to activities and programs to control losses and improve safety. Confers with employees of insured, provides informational materials, and conducts training as needed induce compliance with safety standards, codes, and regulations. 10%
Prepares timely written reports of findings to assist the Underwriter’s risk selection process and makes recommendation to help accounts reduce potential for loss. 40%
Provides training, mentoring, specialized technical advice and counsel to internal staff regarding regulations, hazards and controls associated with area(s) of expertise. 5%
Maintains knowledge of regulatory standards (OSHA, DOT) and local and national codes (NFPA, ICC) through participation in continuing education opportunities. Performs miscellaneous office duties not limited to answering phone calls, emails and completing schedules, etc. 15%
Performs other related duties as assigned by management.
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The Commercial Underwriter-Small Business is responsible for underwriting commercial property and casualty accounts with low-hazard exposures within delegated authority level. Ensures policies are underwritten utilizing established underwriting workflows, processes and service standards. Manages portfolio to achieve profitable growth objectives.
- Assess submissions, categorizes and directs underwriting decisions to be taken. Communicates and delivers quotes and underwriting decisions, follows up on quote activity and provides accurate instructions for policy issuance.
- Follows underwriting best practices and adheres to documentation standards to ensure all underwriting documentation is complete and compliant with established standards.
- Ensures underwriting quality and profitability through application of the appropriate level of underwriting analysis based on risk complexity to accept, decline, modify, rate and quote accounts.
- Ensures compliance with underwriting strategies and regulatory requirements. Identifies and takes corrective action and/or collaborates with the appropriate area within the organization based on individual risk characteristics identified through agency reviews, Large Loss Analysis, risk control, etc.
- Owns all aspects of the new and renewal business underwriting process including acceptability and documentation at inceptions as well as subsequent validation through other sources including Risk Services, 3rd party data and on-line verifications. Reviews and responds back end underwriting reviews and new business audits.
- Monitors and performs analysis of account portfolio to ensure underwriting quality, loss ratio, mix of business and execution of corporate underwriting strategies for assigned agencies.
- Partners with primary underwriter and/or business development staff on accounts where special information or negotiations are critical to the successful retention of the business. Coordinates claims and risk services activities on accounts when appropriate.
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Investigates moderate to highly complex commercial property claims in a prompt, equitable manner by analyzing coverage, liability/compensability and damages; evaluating reserves; and negotiating settlement or conclusion of claim. Demonstrates a proven ability to handle complex coverage, liability and damage issues. Manages select litigated claims.
- Examines and analyzes policies, contracts and claim forms to determine coverage.
- Investigates loss in a prompt manner by telephone, correspondence or on-site investigation to determine the extent of the Company’s liability. Requests necessary reports, e.g., police reports, fire reports, medical records, property damage inspections, etc. Utilizes independent adjusting services to assist in the claim investigation as appropriate.
- Establishes accurate claim reserves and re-evaluates exposures and reserves during the life of the claim. Correctly enters claim data and file documentation into claim and related systems for reporting purposes. Negotiates settlement or conclusion of claim.
- Consults with Litigation Specialist, Claims Supervisor or Claims Manager when claim cannot be resolved and moves into litigation. Collaborates with Home Office Claims staff on claim files in subrogation, arbitration and salvage recovery.
- This role is an inside representative and will not be required to travel.
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The Business Analytics Manager will lead, drive and participate in the cross-departmental collaboration to support business partners in making informed, data-driven decisions and promotes the advancement of Berkley Agribusiness' analytical culture and capabilities.
- Leads a team of Decision Scientists while using strong business acumen to identify and prioritize opportunities for improving business partner decisions. Uncovers new opportunities by leveraging analytic practices to design, build new, creative, high impact analytic solutions. Serves as a primary liaison for business partner(s) with other teams/departments (IT, BTS, consultants, regions, Finance, Data Science, etc.) to develop and enhance solutions that improve decision-making processes. Produces analysis and communicates insights that are actionable by business partners. Researches, designs, implements and validates solutions to achieve targeted outcomes.
- Partners with IT to access, explore and condition data. Develops and deploys solutions using data analysis, data mining, optimization tools, machine learning techniques and statistics.
- Produces data visualization such as charts, infographic and dashboards to communicate findings and actionable recommendations to internal stakeholders clearly and effectively.
- Promotes the advancement of advanced analytics capabilities, including business intelligence and predictive/prescriptive modeling.
- Serves as a catalyst in the evolution of BARS and the regional segment’s business intelligence capabilities and champion of self-serve analytics capabilities.
- Stewards for internal and external data sources, supporting data governance and the continuous improvement of data availability and data quality.
- Develops and maintains relationships with other Berkley operating units to capitalize on opportunities and efficiencies.
- Develops a high performing team through leadership acumen and execution. Demonstrates genuine care and delivers coaching to staff in order to further develop their skills set and performance for current and future roles. Provides frequent and specific constructive feedback on a regular basis. Contributes to the organization’s success by developing business unit and individual performance goals and measuring results. Provides recognition and acknowledgement of key achievements.
- Carries out supervisory responsibilities in accordance with the organization's policies.
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Works independently handling large and/or complex commercial property claims in a prompt, equitable manner. Directs origin and cause investigation, analyzes coverage, liability, and reserves while managing all damage components of the loss; negotiates settlement or conclusion of assigned claims. Incumbent will travel within CWG operating territory to perform the essential duties of this position.
- Performs on-site investigations, evaluates exposures, establishes accurate reserves and manages defense and settlement or conclusion of large and/or complex, commercial property claims.
- Re-evaluates exposures and reserves during the life of the claim. Confers with Claims Supervisor and/or Claims Manager to inform, solicit input and strategize.
- Correctly enters claim data into claim and related systems for reporting purposes.
- Coordinates investigation with Subrogation, Arbitration and Salvage Recovery Units.
- Provides technical advice, direction and mentoring to the Claims staff on commercial property and third-party property damage claims.
- Assists staff with subrogation and liability property demand reviews.
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Continental Western Group
Internship and Development Program
Continental Western Group’s internship program immerses you in a variety of insurance business fields, tests your skills, enhances your business knowledge, encourages networking and offers assignments/projects in specific areas of study.
The CWG internship and development program seeks high potential candidates that demonstrate creativity, curiosity, innovativeness, entrepreneurial spirit and appropriate risk taking. The program provides access to the company’s senior leaders while also introducing a broad overview of insurance operations in claims, marketing, underwriting, analytics and the independent agency system.
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The success of CWG is built on the contributions of our employees using their talents and passion to strengthen our customer-driven culture. We encourage, invest and are committed to our employees’ ongoing education and career development. We are currently recruiting for a Data Scientist Intern. This role will perform some of the following objectives:
- Adapts and develops rating methodologies for both existing and new company products using advanced techniques to incorporate new variables, etc., in pursuit of a competitive advantage and creation of economic profit opportunities. Helps shape the overall advanced analytics strategy for the organization.Identifies, retrieves, and prepares data in support of actuarial analysis through R, SQL, Python, Essbase and other data sources. Includes internal data (exposure, premium, loss, claims, price, etc.) and various forms of external data (bureau loss costs, bureau trends, macroeconomic data, market share, market pricing, etc.)
- Ensures the accuracy and suitability of data for the business need at hand. Manipulates data, performs preliminary analysis and interprets data through various analytics platforms. Summarizes and presents recommendations.Supports the transformation of business intelligence tools from static reporting to dashboards and development of simple to complex applications (R Shiny apps, Python Django etc.), increasing data visualization and availability, supporting cross-division collaboration, and operationalizing advanced analytics.
- Supports the actuarial function in identifying segments with profitable growth potential and underperforming segments. Assists in proposing corrective actions to improve profitability.
- Performs advanced analytics and modeling techniques including but not limited to generalized linear modeling and other forms of multivariate analysis. This role is expected to build, refine and improve existing models as well as develop new techniques and applications to different areas of the company.
- In addition to regular modeling responsibilities, this person will use critical thinking skills and apply advanced modeling techniques, including but not limited to AI/Machine Learning, to provide insights and solve business problems including techniques such as classification and regression trees, random forests, neural networks, clustering, and other machine learning techniques.
- May participate in other department deliverables and activities such as enterprise risk management (including support for catastrophe management), economic capital modeling, rate reviews, loss reserving and planning. Provides innovation and leadership when applicable.
- Leads the innovation and efficiency efforts related to tools and analysis in support of Underwriting’s pricing decisions with respect to large accounts as well as small commercial portfolio price adequacy analyses.
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Accepts, retains and prices moderate to high exposure commercial property and casualty insurance accounts in accordance with established underwriting guidelines and within delegated authority level. Manages assigned territory to achieve profitable growth objectives by properly classifying and pricing risks; building strong internal and external business relationships; analyzing competitive marketing data, identifying territory needs; and developing, implementing and monitoring action plans as appropriate. Serves as an underwriting resource by providing knowledge and insight to underwriting staff.
- 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 endorsement requests exceeding Underwriter and/or Underwriting Assistant’s authority level and takes appropriate procedural action.
- Assesses new commercial 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 moderate to high exposure. Evaluates MVRs, financial reports, loss control reports, etc. Accepts and prices risk in accordance with established underwriting guidelines and within delegated authority level.
- Develops, expands and/or enhances agency relationships to promote profitability and growth of new business and the retention of existing business. Travels assigned territory and meets with agents to enhance business relationships. Educates agency staff on Company’s pricing 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.
- Works in partnership with regional Business Development staff to identify new business opportunities from the agency force to assess, quote, inspect and accept. Collaborates to classify agencies within established marketing segments; analyze territory’s mix of business, production, and loss experience; establish agencies’ annual premium goals; and conduct quarterly and annual review of agencies’ profit and growth results.
- Effectively manages assigned territory to achieve established profitability, growth and retention goals. Analyzes agency results and competitive marketing data to identify trends and opportunities. Develops, implements and monitors action plans as appropriate. Monitors and reports on material changes within the territory’s legal environment. Reviews industry periodicals and journals, legislative actions and court decisions to develop a broader industry awareness and understanding of competition within the territory.
- Serves as underwriting resource to underwriting staff and agents regarding products, coverages and rating procedures. Provides professional development knowledge and guidance to Underwriter Trainees, Underwriters, Underwriting Assistants and other functional areas.