Encova Insurance provides commercial, auto and home insurance.
Production Underwriter – Package Lines
Location
United States
Posted
18 hours ago
Salary
$97.2K - $195.0K / year
Seniority
Senior
Job Description
Production Underwriter – Package Lines
Encova Insurance
• Represent Encova Insurance and functions as the agency manager for assigned agents with a primary focus on commercial lines (e.g., worker’s compensation and/or package lines). • Responsible for achieving established premium growth and profitability objectives by reviewing risks, determining acceptability, and successfully writing profitable new business and retaining profitable renewal accounts. • Focused on taking action to achieve results that positively impact growth and profitability while ensuring excellent customer service and timely responsiveness to assigned agencies for their commercial lines accounts. • Develop and maintain agency relationships through regular visits with agency leadership and production staff, encompassing: • Agency growth and profitability with Encova. • Agency progress towards Encova profit share program and Leaders’ Conference participation. • Encova updates and organizational changes. • Facilitate growth between all Encova profit centers and assigned agencies. • Coordinate agency training when needed and assist agencies with the tools needed to build sustainable, long-term profitable growth with Encova across all profit centers. • Gather competitive intelligence. • Stay abreast of current insurance laws and regulations. • Prospect and qualify new agents for potential appointments. • Submit written reports as required. • Attend industry events. • Determine the acceptability, quality, pricing, profitability and opportunity for new and renewal business. • Complete thorough risk analysis on designated accounts using appropriate Encova, NCCI, ISO and industry rules, policies, procedures, guidelines, etc. • Identify, create and initiate new business opportunities within current book of business and assigned agencies. • Gather and analyze information necessary to make an accurate evaluation of risk. • Determine appropriate pricing based on risk exposures, risk quality, loss potential and coverage provided. • Utilize available resources including company underwriting guidelines, business unit strategies, and consultation with others to ensure adequate understanding of risk exposures. • Prepare and participate in proposals to producers. Negotiate terms and conditions. • Ensure the proper issuance of policies, certificates, filings and notifications. • Effectively utilize rules and guidance to ensure proper policy construction. • Seek the guidance of management on risks exceeding assigned authority levels. • Identify underwriting issues; recommend and develop plans for problem resolution and implement them where appropriate. • Manage existing and prospective accounts by actively participating in account renewals, new business presentations and discussion with agents. • Participate in monitoring and analyzing performance of assigned agents; initiate actions and recognize consequences of alternative actions. • Account management including coordination of service delivery of various disciplines within the team: claim review, safety and loss services, customized reporting, etc. • Conduct/coordinate sales and training sessions and orientation of new products, programs, and systems for assigned agents. When requested, lead discussions on new underwriting approaches, coverage enhancements/changes, and underwriting projects.
Job Requirements
- Minimum 5 years of progressive commercial lines underwriting experience in package lines and/or worker’s compensation in the Property and Casualty insurance market strongly preferred.
- Bachelor’s degree preferred, demonstrated significant underwriting experience may substitute.
- Demonstrated working knowledge of commercial multi-line underwriting, pricing and coverage.
- Demonstrated knowledge of effective sales/marketing and agency relationship techniques including the ability to partner with independent insurance agents.
- Preference may be shown for applicants with CPCU and/or ARM designation(s)
- Demonstrated strong writing skills with an emphasis on marketing.
- Ability to be creative and entrepreneurial in the approach to sales and marketing initiatives.
- Ability to effectively manage multiple priorities and tight timelines while meeting established guidelines.
- High-level interpersonal, communication, analytical, presentation and problem-solving skills.
- Critical thinking: Ability to assess an individual situation and select applicable rules from an array of options, resulting in the most appropriate and sustainable decision.
- Thorough knowledge of laws and rules and their application for the assigned territory.
- Thorough working knowledge of policy and procedures regarding risk administration and risk management; underwriting and loss control.
- Thorough knowledge of the insurance industry and the business environment in which it operates in order to develop an effective business strategy and remain technically current.
- Thorough understanding of business exposure calculations, classifications, experience rating or other plan modifications.
- Ability to develop and implement account, territorial, producer and book strategies to acquire and retain business.
- Ability to work collaboratively and effectively in a team environment.
- Ability to initiate, build and maintain effective working relationships and tailor services to meet customer needs.
- Ability to use sound logic and decision-making skills to identify complex problems, analyze alternatives, then develop and implement effective solutions.
- Ability to effectively plan and lead meetings: ensure an agenda is created, appropriate materials are ready in advance, the meeting stays on task, the client’s issues are addressed, and follow-up action plans are noted.
- Ability to present ideas and information to individuals and groups in a clear, concise, influential, organized, and diplomatic manner and address concerns or needs.
- Proficient in electronic mail system; use of intranet and internet; Microsoft Office products including Excel, Word, PowerPoint.
- Ability to safely operate a motor vehicle and must hold a valid driver’s license.
Benefits
- Health, Dental & Vision Insurance
- Company-provided life and income protection plans
- Eligibility to participate in a company incentive bonus program
- 401(k) Retirement Plan - 100% company match up to 7% on annual salary
- Paid Time Off, Paid Holidays, and Floating Holidays
- Flexible Work Arrangements - Hybrid and remote depending on the role
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