ASHLIE GEMMER CPCU, AU, ARe
Indian Land,SC
Summary
Diligent Property Underwriter with robust background in underwriting, specializing in risk assessment and policy evaluation. Proven track record of making informed decisions that align with company goals and regulatory standards. Demonstrated expertise in financial analysis and client relationship management.
Overview
27
27
years of professional experience
1
1
Certification
Work History
AVP, Property Facultative Underwriter
ASPEN REINSURANCE AMERICA
04.2024 - Current
- Underwriting complex reinsurance risks in accordance with the business plan and the delegated underwriting authority to meet business objectives
- Negotiating rates, terms and conditions for existing and new business (developing or modifying policy wordings as appropriate), ensuring compliance with internal and external regulations and guidelines, ensuring contribution to the business plan and objectives, and support credit control in payment collection
- Develops strong relationships with carrier clients, leading to a higher volume of quality submissions and successful underwriting
- Fosters innovation in underwriting methods, actively participating in industry forums and workshops
- Reduces underwriting cycle times, prioritizing urgent applications and employing effective time management strategies
- Collaborates with other professionals to develop innovative underwriting solutions
- Negotiates terms and conditions of coverage with clients to acquire maximum profitability
Senior Middle Market Complex Property Underwriter
ZURICH NORTH AMERICA
07.2021 - 04.2024
- Underwrote hazards, historical losses, financial information, terms and business conditions to determine acceptability of an account while ensuring Zurich North America’s goals are achieved
- Mentored and coach on property line of business to new Zurich underwriters
- Subject Matter Expert in healthcare property market for the Southeast team within Zurich NA
- Large property resource for Southeast team to discuss strategy and provide direction on new business and renewals
- Facilitated technical underwriting training classes for underwriting team on national catastrophe exposures throughout US ranging from earthquake, named storm, severe convective storms, and flood
- Achieved average rate increase on property line of business of 10-20%
Commercial Senior Middle Market Underwriter
BERKLEY SOUTHEAST INSURANCE GROUP
10.2018 - 07.2021
- Contributed to new business growth by taking initiative and using sound underwriting judgment
- Individual quality audit results consistently above 90% vs requirement of 85%
- Acted as liaison among loss control, claims special services, and underwriting to win large accounts in territory, ie manufacturing, restaurant, retail, and contracting clients
- Maintained an $7,000,000 profitable book of new and renewal business while growing $1,400,000 in new business each year on average
- Evaluated insurance applications to assess risk and determine coverage terms
- Collaborated with agents to gather necessary documentation for underwriting decisions
Senior Commercial Lines Middle Market Underwriter
CHUBB INSURANCE
06.2016 - 10.2018
- Sold products and services through the agency/brokerage community by making field visits approximately 3-4 times per week within assigned territory of North and South Carolina Territory
- Managed $8,000,000 large multi-line book of business for the North and South Carolina Territory
- Evaluated complex underwriting risks using a diagnostic and systematic analysis to determine acceptability
Field Sales Specialist
CNA
11.2015 - 06.2016
- Developed and maintained strong client relationships to drive sales growth and enhance customer satisfaction
- Conducted market analysis to identify new business opportunities and target potential clients effectively
Highly Protected Risk (HPR) / Large Property Underwriting Specialist
ALLIANZ GLOBAL CORPORATE AND SPECIALTY (AGCS)
05.2011 - 11.2015
- Determined appropriate pricing and coverages of complex risks with limited direction from superiors
- Developed and maintained agency and/or broker relationships with large producers within assigned territory of NC, SC, and VA to reach positive and profitable outcomes on complex, high-risk property business
- Achieved average rate increase on current renewals of 3-5% in 2014, 7.8% in 2013, and 6.4% in 2012
- Underwrote large property risks for ground-up coverage up to $600M at a single location with the capability to provide coverage upwards of $1B total insured values
National Property Underwriter
TRAVELERS INSURANCE GROUP
04.2009 - 05.2011
- Utilized Travelers flexible proprietary manuscript form to build customized property policies for accounts with greater than $250M in property values
- Provided large property coverage for international/domestic exposures; e.g., fire, named and severe convective storm, earth movement, and flood
Large Commercial Property Senior Underwriter, Senior Commercial Lines Middle Market Underwriter
LIBERTY MUTUAL GROUP
01.2006 - 01.2009
Small Business Sales Representative, Small Business Underwriter
THE HARTFORD INSURANCE GROUP
01.1999 - 01.2006
Education
Bachelor of Science Degree - Organizational Leadership
Purdue University, Polytechnic Institute (College of Technology)
West Lafayette, IN05.1999
Skills
- Positive interpersonal skills
- Effective communication with management and peers
- Project management and prioritization expertise
- Proficient in managing multiple tasks under pressure
- Proactive remote work engagement
- Skilled in optimizing company operating systems
Accomplishments
- Chartered Property Casualty Underwriter (CPCU)
- Associate in Commercial Underwriting (AU)
- Associate in Reinsurance (ARe)
Earned designations as:
Certification
- Chartered Property Casualty Underwriter (CPCU), The Institutes - March 2023
- Associate in Commercial Underwriting (AU), The Institutes - August 2023
- Associate in Reinsurance (ARe), The Institutes - February 2025
Timeline
AVP, Property Facultative Underwriter
ASPEN REINSURANCE AMERICA
04.2024 - Current
Senior Middle Market Complex Property Underwriter
ZURICH NORTH AMERICA
07.2021 - 04.2024
Commercial Senior Middle Market Underwriter
BERKLEY SOUTHEAST INSURANCE GROUP
10.2018 - 07.2021
Senior Commercial Lines Middle Market Underwriter
CHUBB INSURANCE
06.2016 - 10.2018
Field Sales Specialist
CNA
11.2015 - 06.2016
Highly Protected Risk (HPR) / Large Property Underwriting Specialist
ALLIANZ GLOBAL CORPORATE AND SPECIALTY (AGCS)
05.2011 - 11.2015
National Property Underwriter
TRAVELERS INSURANCE GROUP
04.2009 - 05.2011
Large Commercial Property Senior Underwriter, Senior Commercial Lines Middle Market Underwriter
LIBERTY MUTUAL GROUP
01.2006 - 01.2009
Small Business Sales Representative, Small Business Underwriter
THE HARTFORD INSURANCE GROUP
01.1999 - 01.2006
Bachelor of Science Degree - Organizational Leadership
Purdue University, Polytechnic Institute (College of Technology)
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