EMC Insurance Companies

• Selects, grows and maintains a profitable book of business for assigned high-volume territory with a high level of underwriting authority • Evaluates highly complex accounts, such as different business operations, multiple lines of business or special pricing requirements, for risk selection and pricing purposes • Analyzes exposure, company and branch risk appetite, account premium and loss history, financial data, line(s) of business, price guidance, motor vehicle records, online sources of information, reports from premium audit or risk improvement and other relevant information to underwrite policies • Offers appropriate coverage for exposures • Maintains proper file documentation in connection with accounts • Develops and fosters agency relationships • Educates agents on EMC products, underwriting appetite, systems and services • Visits agencies to discuss accounts and provide agents with updates at EMC in order to maximize opportunities • Coordinates with marketing and branch management in the agency planning and review processes • Serves as a mentor for less experienced underwriters • Answers questions, shares recommendations for complex situations, such as difficult accounts, communication strategies or problematic agency relationships and explains the rationale for recommendations

• First point of contact for policyholders, agents, and claimants during a loss • Provide empathetic, high-quality service • Accurately report new claims • Answer claim-related questions • Help customers navigate the claims process • Investigate inquiries and verify coverages • Coordinate services such as rental vehicles and towing • Resolve issues through efficient, customer-focused solutions • Maintain accurate documentation • Contribute to continuous process improvements

• Lead daily clinical services operations including nurse case management, pharmacy, nurse review, and bill review functions. • Evaluate referrals and claim complexity, assigning work to internal staff or vendor partners. • Manage team workload, priorities, turnaround times, and overall service delivery. • Ensure clinical services are effectively integrated into claims handling processes and partner closely with claim professionals. • Lead, coach, develop, and monitor the performance of the Clinical Services team. • Oversee operational reporting, recommend KPIs, and monitor vendor performance and outcomes. • Partner with Claims leadership to expand clinical services, improve consultation practices, and enhance service quality. • Support implementation of new tools, clinical programs, regulatory changes, and vendor solutions. • Identify training needs, develop educational programs, and promote clinical services throughout the organization. • Drive process improvement initiatives that enhance efficiency, quality, and claim outcomes.

• Provide strategic insight and direction for the underwriting organization on assigned LOB • Leads, researches, and coordinates the ownership, execution, strategy, administration and/or development of the most complex products and programs at enterprise level • Creates and communicates best practices and underwriting guidance for assigned LOB to the whole enterprise • Serves as the highest technical expert, consultant, and mentor in Corporate Underwriting on responses to questions for assigned LOB • Leads, and directs the workload and performance of the assigned Underwriting team • Acts as a strategic partner to branch offices on assigned underwriting related matters • Influences strategies through effective communication of underwriting recommendations

• Oversees and monitors the workload and performance of the team. • Guides and answers team’s technical questions. • Collaborates with team members to establish performance goals and monitors status. • Conducts performance reviews and provides feedback. • Interviews, hires, and recommends salary adjustments for team members. • Resolves disciplinary issues, reviews results, actions plans, and progress. • Develops team expertise and assists with succession planning, including identifying talent and implementing development plans for critical positions. • Supports diversity, equity, and inclusion initiatives. • Fosters an innovative culture, including supporting new ideas and providing guidance on potential changes. • Ensures timeliness of policy processing and assigns workloads for the underwriting support team in system. • Acts as liaison between underwriters and underwriting support team. • Audits new business and renewal policies for compliance and general quality control. • Monitors the instructions from underwriter to rating team, and for proper documentation of rates and premium modifications. • Provides general support to Underwriting and other branch areas with miscellaneous duties, such as filings, unique forms, and system error reports. • Attends training sessions for program and system changes, new product introduction, and trains current team members as appropriate. • Maintains relationships and meets with branch Underwriting Supervisors and Branch Underwriting Directors as needed. • Provides and monitors continuity and rating process training on underwriting support processes for new team members, ensuring alignment and consistency throughout assigned territories. • Delegates training to team members who have expertise on a specific subject.

• Serves as the business unit authority and subject matter expert on producer licensing, carrier appointments, and contracting processes across all distribution channels • Designs and executes a scalable licensing and onboarding strategy to support rapid partner expansion and independent agent growth • Builds streamlined, end-to-end producer onboarding experiences (contracting, appointment, and readiness) to reduce time-to-sell • Partners closely with distribution partners to ensure alignment on contracting requirements, licensing visibility, and compliance expectations • Leads onboarding/offboarding readiness efforts for new distribution relationships, including state approvals, appointment readiness and offboarding/termination processes • Drives continuous improvement in onboarding cycle times, processing accuracy, and producer experience • Monitors agents and distribution within systems to regularly offboard/inactivate non-performing agencies to manage agent counts and platforms expenses • Responds to alerts from the Compliance team to adapt licensing strategy as regulatory environments and business priorities evolve to ensure compliance with state insurance departments, NAIC guidance and internal policies • Leads the agent appeal review team including representatives from various departments/teams and communicates outcomes • Resolves escalations and disputes with urgency and professionalism to preserve partner trust • Serves as the steward of all commission operations, ensuring accuracy, transparency, and alignment with company growth strategy and partner expectations • Oversees complex producer hierarchy management, including uplines, downlines, splits, and overrides • Leads the design and build-out of licensing, contracting, and commission operations, establishing foundational processes, controls, and scalable infrastructure in collaboration with operations leadership • Works with data governance to define data standards and governance to ensure accuracy of producer records, hierarchies, licensing status, and compensation structures • Acts as a key operational leader interfacing directly with distribution partners, building strong relationships and serving as an escalation point • Collaborates with Distribution, Compliance, Legal, Finance, IT, and Product teams to ensure end-to-end alignment • Builds and leads a lean, high-performing team capable of scaling with company growth • Fosters a culture of accountability, responsiveness, and continuous improvement in a startup environment • Establishes clear performance goals tied to speed, accuracy, compliance, and partner satisfaction

• Leads and develops the specialty casualty claims team to ensure high-quality, accurate, and timely claim resolution • Monitors and reinforces reserve adequacy, accuracy, and timely updates across claims • Reviews complex claims and advises on coverage, evaluation, loss exposure, payments, and resolution strategy • Ensures adherence to claims handling procedures, best practices, and internal guidelines • Oversees compliance with reserving and litigation standards • Addresses customer and regulatory complaints in alignment with compliance standards • Participates in Claim Committee and other operational committees • Ensures compliance with state and federal regulations • Collaborates cross-functionally to resolve escalations and ensure accurate, timely reporting • Oversees litigated claims, including counsel performance, strategy effectiveness, and cost management • Reviews cases pre-trial to assess settlement opportunities and grants trial authority as appropriate • Monitors team workload, performance, and overall operational effectiveness • Supports budgeting, expense oversight (DCCE/AOE), and financial planning for the specialty casualty function

• Prepares and approves renewals for accounts within authority limit with a focus on long term profitability, retention and achieving branch and company pricing goals. • Based on branch established guidelines, leverages negotiation skills to obtain adequate rate. • Reviews account information, including coverage details, claims history, and any relevant updates or changes. • Evaluates the risk profile of each account and assess its eligibility for renewal based on established underwriting guidelines. • For accounts outside authority, prepares information for underwriter to complete the renewal. • Communicates with agents to ensure all renewal information has been requested and received. • Regularly collaborates with underwriters throughout the renewal process ensuring a holistic approach to managing the agency book of business. • Maintains proper file documentation. • Develops relationships with agents by providing excellent customer service to promote renewal retention. • Builds and nurtures relationships with agents by regularly engaging in meaningful interactions, such as face-to-face meetings, virtual meetings, phone conversations, and written communication. • Responds to concerns or issues raised by agents regarding endorsements and renewals promptly and effectively, collaborating with internal teams to find solutions that meet the needs of both the carrier and agency. • Reviews and approves endorsements that fall within a specified list of requirements and within authority. • Underwrites and provides endorsement quotes to agents. • Corresponds with agents for additional information. • Assesses the potential risks associated with proposed endorsements, taking into account factors such as policy coverage, loss history and claims data to evaluate the overall impact on the policy. • Determines if additional information or assessments are required for accurate decision-making. • Reviews and approves reinstatements and cancellations. • Assists agents with policy billing inquiries. • Performs support duties for branch departments including but not limited to, ordering and analyzing reports as appropriate, reviewing drivers, and completing monthly projects. • Collaborates with experienced underwriters and territory management team members to develop understanding of company and branch risk appetite, underwriting resources, and systems.

• Support Claims teams by resolving complex system and process issues • Identify root causes and deliver timely solutions that improve daily operations • Collaborate with the Help Desk, IT, and business partners to enhance workflows • Contribute to system improvements and support testing and training efforts • Drive greater efficiency, reduce disruptions, and empower users to work more effectively and independently • Serve as subject matter expert for the Claims Help Desk on complex claims systems, administration, and technical issues • Triage and resolve escalated issues using diagnostics and root cause analysis • Deliver timely, accurate resolutions and recommend appropriate workarounds when needed • Partner with Help Desk and IT teams to support issue resolution and system improvements • Develop and maintain training materials, job aids, and procedural documentation • Collaborate with Claims Training to create resources and deliver user training • Act as liaison between Claims and IT to clarify business needs, outcomes, and impacts • Manage intake, escalation, and documentation in alignment with established standards and SOPs • Analyze and prioritize defects, bugs, and enhancement requests requiring long-term fixes • Ensure escalated issues are well-scoped, documented, validated, and tracked • Support system testing, enhancements, and identify improvement opportunities • Coordinate operational readiness activities like communications and adoption tracking • Partner with stakeholders to support non-technical project work and improve workflows/system usability

• Strengthening the quality and consistency of casualty claims handling across the organization • Partnering closely with Casualty, Complex, and Specialty teams to review claim files • Evaluating performance against best practices and KPIs • Identifying opportunities to improve outcomes through targeted audits and broader claims reviews • Preparing and delivering audit reports, summaries, and presentations • Recommending process improvements and future audit focus areas • Supporting implementation of new audit processes and continuous improvement efforts • Collaborating with leadership to shape audit standards and support training efforts