Esther Herron
Overview
16
16
years of professional experience
Work History
Commercial Lines Underwriter
Wawanesa Mutual
Moncton , NB
5 2022 - 5 2024
- Perform risk analysis for purposes of quoting, negotiating, and authorizing acceptance of risk
- Analyze acceptability of moderately complex business with moderate premium volume according to company guidelines by working collaboratively with our sales force and providing value added expertise and service to both potential and existing policyholders
- Maintain accurate records of decisions made and maintained completeness of policy data
- Communicate decisions and respond to requests in prompt and professional manner
- Assist with interpretation of rating procedures, wordings, underwriting policies, and regulations
- Handle work assignments, including calls, efficiently and maintain company metrics and measures
- Maintain positive working relationships with internal and external parties, including networking at industry events and personal broker visits to build and maintain relationships
Commercial Account Manager
Brokerlink
Guelph , Ontario
01.2021 - 04.2022
- Responsible for all service of a portion of a book of commercial business
- Work closely with account executive to maintain more than 1.5 million book of business
- Accountable for decisions made on all aspects of prospecting, selling, and servicing clients as per performance standards
- Provide customers with prompt service by providing advice and coverage recommendations, help customers understand insurance, and discuss customer concerns
- Assist with quoting submissions to various markets, review existing coverage and update customer file information
- Maintain good quality in the book of business by adhering to the underwriting rules and good business practices
- Build and maintain excellent customer relationships, including visiting customer sites when necessary
- Communicate with insurance companies, negotiate with underwriters on customers behalf, negotiate renewal terms, follow up with adjusters on claims status
- Source and obtain additional information requested by the underwriter and complete applications.
Personal Lines Broker
Brokerlink
Guelph, Ontario
06.2019 - 01.2021
- Focus on Renewal retention and client needs, advise on insurance matters, conduct needs assessment, recommend solutions, answer inquiries, conduct care calls and processed renewals
- Developed strong relationships with underwriters, effectively negotiating coverage options and rates on behalf of clients.
- Assisted clients with policy changes, ensuring accurate adjustments were made to meet their specific needs. Conducted comprehensive policy reviews for clients, identifying gaps in coverage and recommending appropriate solutions.
- Keep current on underwriting rules and workflow processes
- Actively participate in training initiatives
- Participate in community marketing initiatives.
Commercial Lines Underwriter
Frank Cowan Company (MGA)
Cambridge, Ontario
02.2016 - 05.2019
- Underwrite risks, rate and issue policies while maintaining high level of accuracy and service standard
- Support corporate underwriting policies, guidelines and procedures that contribute to effective, efficient, and profitable underwriting
- Initiated underwriting rating of renewals and endorsements to meet departmental and individual targets
- Quality Control with respect to contract review as required when providing certificates and proof of insurance
- Provide exceptional customer service to brokers and agents while underwriting renewals.
- Proactively identified potential fraud cases through meticulous investigation of suspicious claims patterns.
- Assessed new and renewal applications for financial liabilities and risk levels.
- Achieved performance benchmarks consistently throughout tenure as Commercial Lines Underwriter, demonstrating commitment to excellence in role responsibilities.
- Collaborated with brokers and agents, fostering strong relationships for increased business opportunities.
- Increased cross-selling opportunities by collaborating with other departments, promoting holistic approach to clients'' insurance needs.
- Conducted regular portfolio reviews, identifying areas for improvement and recommending corrective action plans.
- Managed complex accounts with professionalism, successfully navigating challenging negotiations with clients and brokers.
- Developed comprehensive underwriting guidelines, ensuring consistency across team's decision-making process.
- Evaluated applications to determine insurance coverage and appropriate risk classifications.
- Developed and implemented underwriting policies and procedures, establishing useful and accurate processing of applications.
- Analyzed data to identify trends and predict future insurance needs.
Personal Lines Underwriter
Co Operators
Guelph , Ontario
05.2015 - 10.2015
- Complete the daily assigned pieces of work to meet individual goals and monthly department goals
- Analyze, evaluate, and negotiate terms and conditions for renewals, new business and policy changes within assigned authority
- Resource and coached internal and external partners on applications of established rules and guidelines
- Amend policy coverage, surcharge, or cancel policy based on established underwriting guidelines
- Provide excellent customer service to agents and associates as it related to risk selection and guidelines.
Underwriter
Agricorp
Guelph , Ontario
02.2006 - 01.2014
- Analyze and assess complex scenarios for new applicants, renewals, escalations, business structures and policy changes
- Developed and fostered strong working relationships with regional managers, field adjusters and colleagues through daily communication leading to successful and timely resolution of underwriting challenges and superior customer service
- Proactively developed and facilitated training curriculum to address gap in structural change process; resulted in 50 internal staff trained in current procedures resulting in substantial reduction in errors and improved turnaround times
- Initiated review of new applicant process, recommended changes and trained 55 call center and underwriting staff in new procedures, led to a improved awareness of role of each department and improved internal and external customer service.
Education
Other - Registered Insurance Broker
Insurance Institute of Canada
Kitchener, Ontario 06.2018 - 06.2018
Other - Travel and Tourism
Conestoga College
Kitchener, Ontario 05.2001 - 05.1990
Other - Chartered Insurance Designation
Insurance Institute of Canada
Kitchener, OntarioSkills
Time Management
Risk Analysis
Organization and Prioritizing
Internal and External Customer Relations
Client Relationship Building
Brand Awareness
Relationship Management
Teamwork and Collaboration
Problem-Solving
Timeline
Commercial Account Manager
Brokerlink
01.2021 - 04.2022
Personal Lines Broker
Brokerlink
06.2019 - 01.2021
Other - Registered Insurance Broker
Insurance Institute of Canada
06.2018 - 06.2018
Commercial Lines Underwriter
Frank Cowan Company (MGA)
02.2016 - 05.2019
Personal Lines Underwriter
Co Operators
05.2015 - 10.2015
Underwriter
Agricorp
02.2006 - 01.2014
Other - Travel and Tourism
Conestoga College
05.2001 - 05.1990
Commercial Lines Underwriter
Wawanesa Mutual
5 2022 - 5 2024
Other - Chartered Insurance Designation
Insurance Institute of Canada