Plus years of professional experience
Angela Scheibl
Senior Commercial Lines Underwriter
Sheboygan Falls,WI
Summary
Senior Commercial Underwriting leader with 20+ years of experience across Middle Market, Program, Small Business P&C Commercial Lines segments. Proven expertise in risk selection, pricing strategy, and portfolio profitability management supporting multi-million-dollar books of business. Known for disciplined underwriting judgment, strong agency partnership management, and consistent delivery of profitable growth while maintaining service excellence and responsiveness. Experienced mentor and technical leader supporting underwriter development, training, and consistency across teams. Contributor to underwriting innovation initiatives, including AI-enabled decision support and process improvement efforts. Former business owner with full P&L responsibility, bringing a practical, performance-driven perspective to underwriting, risk evaluation, and business growth.
Overview
20
20
1
1
Certification
Work History
Senior Specialist Commercial Underwriter
Integrity Insurance Company
Columbus, OH
07.2019 - Current
- Underwrite a diversified Middle Market and Program book, applying independent underwriting authority to evaluate risk quality, structure coverage, and ensure pricing adequacy aligned with profitability goals.
- Manage a dynamic and evolving portfolio, adapting to shifting territories, submission flow, and product mix while maintaining underwriting discipline and consistency.
- Drive profitable growth through disciplined risk selection, improved submission quality, and identification of viable new business opportunities.
- Strengthen agency relationships through proactive communication, responsiveness, and collaborative problem-solving to support retention and production goals.
- Mentor and support junior underwriters and new hires, improving technical underwriting capability and consistency across the team.
- Contribute to Innovation Solutions Team (IST) initiatives focused on underwriting efficiency, workflow optimization, and decision-support enhancements including AI-assisted underwriting tools.
Senior Commercial Lines Underwriter
Wilson Mutual/Encova
Sheboygan, WI
07.2017 - 07.2019
- Managed Middle Market commercial accounts with responsibility for underwriting profitability, pricing adequacy, and risk acceptability across multiple lines of business.
- Evaluated exposures, loss history, and account performance trends to guide underwriting decisions and maintain balanced portfolio results.
- Developed and maintained strong agency partnerships through consistent communication, underwriting support, and collaborative account strategies.
- Exercised underwriting authority to approve, modify, or decline risks in alignment with company appetite and profitability standards.
- Supported agency development efforts by improving submission quality and underwriting alignment.
- Mentored and onboarded junior underwriting staff, strengthening technical capability within the team.
- Participated in portfolio reviews and performance analysis to support strategic growth and retention initiatives.
Commercial Lines Underwriter
Acuity Insurance
Sheboygan, WI
01.2006 - 06.2017
- Underwrote commercial risks across multiple P&C lines, ensuring adherence to underwriting guidelines, pricing models, and risk appetite standards.
- Developed strong technical expertise in coverage forms, rating methodologies, and exposure evaluation across diverse industries.
- Managed new business and renewal submissions while maintaining high service standards and strong agency relationships.
- Supported senior underwriters on complex accounts, contributing to improved underwriting decisions and portfolio outcomes.
- Ensured accurate underwriting documentation, compliance adherence, and policy integrity.
- Built analytical capability in loss trends, risk evaluation, and account profitability assessment.
- Assisted in onboarding and mentoring junior underwriters, contributing to team development.
Hospitality Business (Bar Owner)
Sole Proprietor
Sheboygan Falls, WI
07.1996 - 07.2001
- Owned and operated a full-service hospitality business with full responsibility for financial performance, operations, and strategic direction.
- Managed complete P&L including budgeting, payroll, cash flow, expense control, and profitability optimization.
- Developed marketing and customer engagement strategies to drive revenue growth and strengthen community presence.
- Built and led teams through hiring, training, scheduling, and performance management to ensure service quality and operational consistency.
- Maintained strong customer and vendor relationships, fostering loyalty and repeat business through service excellence.
- Ensured compliance with regulatory, safety, and operational requirements while resolving customer issues in a service-focused environment.
Education
University of Sheboygan
Sheboygan1994
Lakeshore Technical College
Cleveland WI1993
Travel Agent Certificate - Travel And Tourism
Security Travel School
Sheboygan, WI05-1990
Skills
- Middle Market; Program; Small Business Segment Underwriting
- Risk Selection & Exposure Analysis
- Pricing Strategy & Rate Adequacy
- Policy Form Interpretation & Coverage Structuring
- Portfolio & Book Profitability Management
- Agency Relationship Management
- New Business Production & Renewal Strategy
- Retention & Growth Optimization
- Producer Collaboration & Negotiation
- Submission Quality Improvement
- Underwriting Team Mentorship & Training
- Process Improvement & Workflow Efficiency
- Underwriting Guidelines Development
- AI Underwriting Tools Integration
- Decision Consistency & Quality Enhancement
Certification
- SBCS, [National Underwriter] - 2018
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Senior Specialist Commercial Underwriter
Integrity Insurance Company
07.2019 - Current
Senior Commercial Lines Underwriter
Wilson Mutual/Encova
07.2017 - 07.2019
Commercial Lines Underwriter
Acuity Insurance
01.2006 - 06.2017
Hospitality Business (Bar Owner)
Sole Proprietor
07.1996 - 07.2001
University of Sheboygan
Lakeshore Technical College
Travel Agent Certificate - Travel And Tourism
Security Travel School