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Investigates medium level commercial casualty and general liability claims in a prompt, equitable manner by analyzing coverage, liability/compensability and damages; evaluating reserves; and negotiating settlement or conclusion of claim.
- Examines and analyzes policies, contracts and claim forms to determine coverage.
- Investigates loss in a prompt manner by phone or correspondence 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.
- Participates in educational, coaching and mentoring opportunities to enhance claims adjusting skills and knowledge
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The Senior Decision Scientist supports business partners in making informed, data-driven decisions and promotes the advancement of CWG’s analytical culture and capabilities.
- Identifies and prioritizes 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 liaison for their business partner(s) with other teams/departments (CWG IT, BTS, consultants, regions, Actuarial, 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 CWG 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.
- Performs other related duties as assigned by
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The Commercial Underwriter-Specialty Lines is responsible for underwriting specialty lines commercial property and casualty accounts within delegated authority level. Ensures policies are underwritten utilizing established underwriting workflows, processes and service standards. Manages portfolio to achieve profitable growth objectives.
- Understands rules based analytics and tools within the underwriting and pricing process.
- 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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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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Provides technical advice and guidance to Claims Representatives in the evaluation of commercial transportation claims. Direct handles select physical damage claims.
- Monitors and provides guidance to Claims Representatives in the evaluation of commercial transportation property losses including review of repair estimates, total loss evaluations, supplement reviews, subrogation reviews, salvage values, cargo assistance and coverage interpretation. Direct handles select physical damage claims. Correctly enters claim data into claim and related systems for reporting purposes.
- Conducts training related to physical damage, salvage and total losses. Provides technical advice and guidance to claims staff through effective coaching and counseling.
- Posts salvage items to the CWG salvage website and awards salvage at closing. Completes all title work and collects proceeds from buyer.
- Participates in special projects designed to improve the organization’s performance in the commercial transportation property claims process.
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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.
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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.