Emma Horri
San Diego
Summary
Commercial Insurance Expert with expertise in underwriting. Gifted in evaluating risk and loss potential and developing information for new and renewal policies. Team-oriented with success in building relationships with brokers and sales agents to achieve business goals.
Overview
18
18
years of professional experience
Work History
Senior Underwriter
Active Captive Management LLC
08.2019 - 11.2023
- Establish a long-term business plan centered on providing a stable risk transfer mechanism for financial exposures to reduce costs in the long-term when compared to the commercial market
- Develop pro-forma financial statements
- Risk Assessment and control, understanding organization’s objectives and determine the risk
- Provide creative solutions to ensure the best possible coverage for hard-to-insure areas and risks
- Collaborate with clients to Identify insurable risks
- Determine which exposures are best served by the captive insurance program
- Ensure the insurance captive achieves its business goals, provides competitive premiums, and creates value-added benefits to the key stakeholders in the areas of risk mitigation and loss management
- Enhanced customer satisfaction through timely communication and effective negotiation of policy terms.
- Maintained compliance with industry regulations and company guidelines during all underwriting activities.
- Reduced claim losses by applying expert knowledge in identifying potential risks and setting appropriate premiums.
- Utilized knowledge of insurance principles, policies and procedures to make decisions on risk assessment.
- Stayed current on industry developments and regulatory changes, ensuring compliance with relevant guidelines.
Risk Manager
Westbank Corp
11.2017 - 02.2019
- Develop policies and procedures for loss prevention and risk control
- Insurance program Design, Management & Administration
- Review Current insurance policies to determine necessary changes in insurance requirements and coverage
- Provide assistance and guidance regarding liability, risk issues and contract administration
- Manage annual renewal process with insurance brokers
- Work with property managers and project managers to obtain all relevant property information
- Complete insurance renewal forms and questionnaires, Negotiate rates with Insurance brokers
- Working with brokers to provide them with information for placement of warp up and builder’s risks and other policies as required
- Complete project insurance calculations
- Provide information to brokers for all newly acquired assets
- Review all premium invoices for accuracy and pre-approval for accounting
- Review insurance certificates to confirm compliance with contracts
- Review insurance requirements in all contracts (Lease Review & Contract Analysis)
- Manage claims reporting process, liaise with brokers claims department and independent adjuster
- Maintain database of all insurance policies including rates, all claims’ incidents, and file number.
Commercial Lines Underwriter
Travelers Canada
07.2014 - 11.2017
- Underwriting and Pricing, underwrites primarily moderately complex accounts and risks and considers different approaches toward risks to maximize profitability (e.g., pricing, retention, endorsements, limits, indemnity, security) Uses good judgment in making decisions within own underwriting authority and makes recommendations on other accounts to meet business objectives
- Initiates collaborative discussions
- Frequently meets with agents/brokers and insureds to build and maintain business relationships
- Identifies and captures new business opportunities and effectively cross sells market segment and Travelers products/businesses
- Executes Strategy and Drives Results Develops and executes a plan to meet business objectives
- Business Planning and Collaboration Fosters collaboration within the business unit and across the enterprise
- Leading Others In addition to leading self, may coach less experienced staff members
Commercial Insurance Underwriter
Allianz Global Corporate & Specialty ( AGCS)
03.2011 - 07.2014
- Underwrites and analyzes new and renewal business (COC, CAR, EAR, CECR) utilizing the Allianz Way of Underwriting framework and within delegated authority levels on assignment of technical complexity and coordination
- Accurate and timely population of various spreadsheet databases
- Administers and monitors underwriting rules and guidelines, insurance laws and regulations, and rating annual rules
- Develop, maintain & collaborate with Line of Business representatives on referrals and other business-related needs, as appropriate
- Develops and maintains relationships with distributors (agents & brokers) in support of business retention and acquisition and works with customers and distributors (agents & brokers) to determine their insurance related needs and provide solutions
- Supports the Allianz sales culture by being a Help Point for agents, brokers and customers.
Business Development Broker
Grey Power Insurance Brokers (Intact)
04.2008 - 03.2011
Business Development Broker
P.W Harrison Insurance Brokers INC
04.2006 - 04.2008
Education
Master of Science - Enterprise Risk Manamgement
Boston University
Boston, MACRM Certificate - Certified Risk Manager
Insurance Institute of Canada
Vancouver, CACIP (Chartered Insurance Professional) - Diploma
Insurance Institute of Canada
Vancouver, CABachelor of Arts - Industrial Management
Allamah Tabatabai University
Tehran, IranSkills
- 15 Years’ Experience in Insurance Industry (Commercial Property & Casualty)
- Able to communicate effectively by listening attentively and articulating clearly
- Good problem solving, negotiation, decision making and time management skills
- Superb Communication skills necessary to follow verbal and written instructions
- Participated in all training opportunities and recent courses
- Dedicated, hardworking and organized with a positive attitude
- Ability to work both independently and within a team environment with limited supervision
- Strong interpersonal, sales & customer service and multi-tasking skills
- Proficient in meeting goals and objectives with minimal supervision
- Highly organized to handle large workload
- Enjoy learning and implementing new methods and procedures
- Excellent interpersonal skills necessary to consistently interact with clients and staff in a courteous manner, and to maintain positive working relationships
- Strong computer Knowledge of windows, Word, Excel, Agency Manager, Powerbroker and based operating systems
References
Available upon request.
Timeline
Senior Underwriter
Active Captive Management LLC
08.2019 - 11.2023
Risk Manager
Westbank Corp
11.2017 - 02.2019
Commercial Lines Underwriter
Travelers Canada
07.2014 - 11.2017
Commercial Insurance Underwriter
Allianz Global Corporate & Specialty ( AGCS)
03.2011 - 07.2014
Business Development Broker
Grey Power Insurance Brokers (Intact)
04.2008 - 03.2011
Business Development Broker
P.W Harrison Insurance Brokers INC
04.2006 - 04.2008
Master of Science - Enterprise Risk Manamgement
Boston University
CRM Certificate - Certified Risk Manager
Insurance Institute of Canada
CIP (Chartered Insurance Professional) - Diploma
Insurance Institute of Canada
Bachelor of Arts - Industrial Management
Allamah Tabatabai University
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