Chad Fraley
Summary
Experienced senior commercial underwriter with broad knowledge of coverages and extensive experience underwriting all commercial lines.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Regional Motor Carrier Specialist
Auto-Owners Insurance
04.2023 - Current
- Primary motor carrier underwriter for all affiliated agencies in SC and PA
- Collaborated with our partner agencies on all aspects of commercial underwriting
- Managed book of just over 500 policies and over $8.3 million in written premium
- Grew PA motor carrier business by 41.5% in 2023 while maintaining a profitable loss ratio
- Increased written premium and policy count in 2023 in SC while maintaining a 47.5% loss ratio
Senior Commercial Underwriter
Auto-Owners Insurance
09.2016 - 04.2023
- Reviewed proposals, new business, endorsements and renewals for eligibility and pricing
- Established strong working relationships with the agents and CSR's in my assigned territory
- Multiple years experience underwriting each commercial line of business
- Presented topics at multiple agency schools and regional meetings
- Mentored newer underwriters on coverages, procedures and desk flow management
Premium Auditor
Auto-Owners Insurance
11.2009 - 09.2016
- Conducted onsite premium audits in my assigned territory
- Provided technical classification guidance to agencies and underwriting
- Reviewed and resolved contested audits / disputes
- Served as a mentor for several newer auditors
- Extensive knowledge of PAAS, QuickBooks, Excel, Unemployment (UCE), W-2 &1099 Forms
Education
Risk Management and Finance -
University of South Carolina
Columbia, SC01.2003
Skills
- Insurance underwriting
- Customer service
- Attention to detail
- Analyzing data
- Analytical thinking
- Risk assessment
- Risk management
- Research skills
Certification
CPCU
APA
AU
API
AIS
Timeline
Regional Motor Carrier Specialist
Auto-Owners Insurance
04.2023 - Current
Senior Commercial Underwriter
Auto-Owners Insurance
09.2016 - 04.2023
Premium Auditor
Auto-Owners Insurance
11.2009 - 09.2016
Risk Management and Finance -
University of South Carolina