Carlos D. Aleman

Responsible for the underwriting of Professional Liability, General Liability, Excess and Umbrella coverages for Miscellaneous Facilities.

• Grew the Northeast Misc Facilities book from $3.4M to over $6.2M while maintaining a profitable combined ratio
  • Developed and maintained relationships with new and existing brokers throughout the Northeast.
  • Collaborated with Distribution, Territory Managers, Product Line Managers, and other line of business underwriters to target desirable accounts from brokers.
  • Worked closely with Product Line Managers on large and complex accounts.
  • Succeeded in writing new business accounts and retaining renewal accounts in target classes.
  • Assisted with the training of new employees.
  • Developed and maintained relationships with senior retail and wholesale brokers throughout the east coast from Maine to Virginia.
  • Successfully deployed changes in underwriting appetite including limits and attachments while retaining business.

• Responsible for underwriting of large accounts not in a safety group as well as managing internal sales reporting, and underwriting staff
• Manage $156 million in Guarantee Cost WC Construction premiums placed in the NY State Insurance Fund
• Managed $20 million specialized programs such large deductibles and PRPP
• Working with NYSIF on quoting, marketing large accounts
• Reviewed, analyzed, accepted, and declined risks to ensure profitability
• Provided primary communication and direction for all processing requirements including policy issuance instruction, endorsement requests, billing requirements and audit review
• Calculated commissions for brokers
• Maintained service standards by timely response to broker requests, agreements to satisfy demanding deadlines and quotation delivery
• Generated new business revenues by developing prospects, visiting assigned producers, participating in direct presentations and negotiating programs and cross marketing goals
• Selected new business to drive production and underwriting profitability
• Interpret, explain and marketed products and services to target markets
• Recommend creative alternatives in regards to rating plans, coverage and payment plan.

• Collaborate with management team to establish annual, quarterly, and monthly strategic priorities and reports and facilitate advancement of them
• Track and ensure timely completion of projects and initiatives within the team
• Prepare communications that are sent to our internal stakeholders and clients that support outreach campaigns to promote our services internally
• Drafts letters, emails and other correspondence for the team managers
• Prepare ad-hoc reports as needed for management to support meetings and/or internal reviews
• Creation of Excel models that tell a story around each of our business lines
• Act as a business case specialist for the team to help us solve day to day challenges .

• Managed $34 million in WC Construction premiums
• Assist in underwriting for Major Safety Groups
• Facilitated the billing cycle of all business
• Issue recommendations concerning operations, systems and procedures
• Generated new business revenues for Safety Groups by developing prospects, visiting assigned producers, participating in direct presentations and negotiating programs and cross marketing goals thru the State Insurance Fund
• Heavy customer servicing and client visits
• Reviewed terms, conditions and pricing, as well as submissions to identify exposure and risk
• Participate with Senior Management in department and business unit-wide initiatives around product development, processes, underwriting policy and strategy.

• Lexington Division , Professional Liability
• Review new application/renewal requests, evaluate risks and underwrite proper pricing and terms within authority
• Prepare and present quotations to producers, work with producing channels to achieve production goals and maintain business progress report
• Check policies and endorsements, complete underwriting filing documents in due course
• Monitor loss ratio for responsible portfolio and implement necessary improvement measures
• Provide technical supports and advice to producing channels including recommendation on appropriate coverage for risk submitted and assistance in resolving complex problems, provide training to channels
• Meet with clients and brokers to promote Casualty product, interact and negotiate with clients directly when needed
• Provide technical advice to Claims regarding scope of coverage, interpretation of wordings, etc
• Ad-hoc tasks/projects assigned by managers.

• Entry
• Set up new business files
• Communicate with Head Office departments as needed
• Set up new policy documents and maintain integrity of files
• Premium processing for policies and endorsements
• Set up reinsurance certificates in electronic system
• Processing policies and endorsements within written guidelines
• Process premium audits
• Bill premium for premium bearing transactions
• All other tasks that may be assigned by underwriters

• Calculates amount of premium to be charged for various types of , using rate book, calculator, and adding machine
• Selects premium rate based on information in case record folder relating to type and amount of policy based on standard risk factors, like use & age of automobile, location value of property, or age of applicant
• Adds premium rates of basic policy endorsements to compute total annual premium
• Records rates on abstract sheet worksheet , from which policies will be typed
• May calculate commissions.