Crystal Young
Louisville,KY
Summary
Strategic Commercial Lines Account Manager with extensive experience in the insurance industry. Demonstrated expertise in utilizing advanced insurance product knowledge to effectively serve the needs of commercial clients. Skilled in sales program management and commercial portfolio management, with a proven track record of over 23 years of industry performance. Experienced in managing commercial insurance accounts and providing comprehensive support to clients. Utilizes risk assessment and policy analysis to ensure optimal coverage and client satisfaction. Known for fostering strong client relationships and consistently delivering results in policy management and renewals.
Overview
24
24
years of professional experience
1
1
Certification
Work History
Commercial Lines Account Manager
RH Clarkson Insurance
06.2020 - Current
- Collaborated with underwriters to ensure accurate policy issuance and appropriate coverage levels.
- Maintained up-to-date knowledge of industry regulations, staying ahead of potential impacts on client policies.
- Coordinated cross-departmental efforts to resolve complex issues, ensuring a seamless experience for clients.
- Provided informed guidance to assist clients in choosing commercial insurance products to suit business needs.
- Negotiated competitive insurance rates with carriers, maximizing value for clients.
- Enhanced customer satisfaction by efficiently managing commercial lines accounts and promptly addressing client inquiries.
- Streamlined policy renewals for timely processing, ensuring continuous coverage for clients.
- Improved account retention rates with exceptional customer service skills and prompt issue resolution.
- Conducted comprehensive policy reviews to identify gaps in coverage and recommend appropriate adjustments.
- Optimized communication channels between brokers, carriers, and clients, ensuring seamless information exchange for timely policy issuance and management.
- Implemented effective workflow processes within the team, resulting in improved productivity levels while maintaining high-quality standards in servicing clients'' needs.
- Maximized revenue growth by upselling additional coverages and services based on client needs analysis.
- Developed customized presentations for prospective clients highlighting the benefits of various insurance products and services offered.
- Executed cold calls, marketing initiatives and networking to drive sales.
- Maintained consistent knowledge of industry products and attended continuous education events to increase product knowledge.
- Processed daily mail, email and phone calls from customers and producers to generate new business.
- Prepared customer presentations and demonstrations of products to solicit new business.
- Prepared orders and issued binders, proofs of insurance and endorsements for delivery to clients.
- Negotiated rates to set up finance contracts.
- Reviewed audits of policies for accuracy to facilitate corrections between client and carrier.
- Educated clients on insurance policies and procedures.
- Met with customers to provide information about available products and policies.
- Determined financial needs by assessing existing coverage and aligning new products and services with long-term goals.
- Conducted annual reviews of existing policies to update information.
- Worked with sales team to collaboratively reach targets, consistently meeting or exceeding personal quotas.
- Researched and identified potential new markets.
Commercial Lines Account Manager
Hyland Insurance
03.2016 - 06.2020
- Service business accounts and well as handle claims
- new organic growth accounts monthly
- Maximized revenue growth by upselling additional coverages and services based on client needs analysis.
- Executed cold calls, marketing initiatives and networking to drive sales.
- I present proposals to clients and provide my clients the protection for their business and employees
- Reduced claims frequency through proactive risk management consultations and tailored insurance solutions.
- Collaborated with underwriters to ensure accurate policy issuance and appropriate coverage levels.
- Maintained up-to-date knowledge of industry regulations, staying ahead of potential impacts on client policies.
- Coordinated cross-departmental efforts to resolve complex issues, ensuring a seamless experience for clients.
- Provided informed guidance to assist clients in choosing commercial insurance products to suit business needs.
- Negotiated competitive insurance rates with carriers, maximizing value for clients.
- Provided training and mentorship to junior account managers, enhancing overall team performance and service quality levels.
- Streamlined policy renewals for timely processing, ensuring continuous coverage for clients.
- Improved account retention rates with exceptional customer service skills and prompt issue resolution.
- Conducted comprehensive policy reviews to identify gaps in coverage and recommend appropriate adjustments.
- Optimized communication channels between brokers, carriers, and clients, ensuring seamless information exchange for timely policy issuance and management.
- Maintained consistent knowledge of industry products and attended continuous education events to increase product knowledge.
- Managed large commercial accounts portfolio, consistently exceeding performance targets in new business development and retention metrics.
- Conducted thorough risk assessments for potential clients, accurately identifying exposure areas and recommending optimal coverage options accordingly.
- Prepared orders and issued binders, proofs of insurance and endorsements for delivery to clients.
- Negotiated rates to set up finance contracts.
- Reviewed audits of policies for accuracy to facilitate corrections between client and carrier.
Team Lead Specialist
Liberty Mutual Insurance
01.2006 - 02.2016
- Presented and clearly explained insurance policy options to clients based on their needs and goals
- Developed productive working relationships with car dealers, loan processors and other business partners in the community
- Called lapsed customers each week to inquire about continuing needs
- Researched coverage and premium options and supplied clients with the best coverage available
- Finalized and maintained all types of personal lines insurance policies within the agency
- Presented account proposals in a professional and timely manner
- Promoted to Team Lead after only 3 months in position
- Resolved guest complaints
- Created repeat business by developing long-term relationships with regular customers
- Organized weekly sales reports for the sales department to track product success
- Leading Daily Coaching/Huddles
- Q&A Call Monitoring for future coaching sessions
- Approved application 's / Underwriting weekly schedules
- Delivered project updates, maintaining transparency and managing expectations.
- Managed project timelines, resulting in streamlined processes and improved delivery.
- Trained new team members by relaying information on company procedures and safety requirements.
- Promoted a positive work environment by fostering teamwork, open communication, and employee recognition initiatives.
- Enhanced overall team performance by providing regular coaching, feedback, and skill development opportunities.
- Collaborated with other department leads to streamline workflows, improve interdepartmental coordination, and achieve business goals collectively.
- Evaluated staff performance and provided coaching to address inefficiencies.
- Optimized customer experience by delivering superior services and effectively troubleshooting issues.
- Maintained database systems to track and analyze operational data.
- Improved customer satisfaction rates through proactive problem-solving and efficient complaint resolution.
- Implemented new training programs for staff, leading to higher employee retention rates and better overall performance.
Licensed Agent
State Farm
01.2001 - 01.2006
- Selling Auto, Home, life, Health & Bank products to meet client's needs/ Cold Calling for Leads
- Providing the clients with auto & Home Loans
- Claims Assistance/ Working in the field
- Appointment setting for Mutual funds
- Top 50 Life Award
- Monthly Service/Sales Award
- Wrote policies and processed claims
- Consistently exceeded annual sales goals and premium objectives
- Quoted rates, pre qualified customers, and assisted with the underwriting process for various insurance policies
- Wrote new policies for Home, Auto and Life insurance
- Extended/Detailed account reviews
- Working with Mortgage companies and writing Flood Insurance
- Utilized advanced communication techniques when discussing sensitive topics such as policy denial or premium increases with clients.
- Participated in professional development workshops and seminars to enhance industry knowledge and skills.
- Delivered informative presentations at community events, promoting awareness of available insurance products and services.
- Increased policy sales by consistently presenting suitable coverage options based on clients'' needs.
- Provided ongoing support to existing clients, reviewing policies periodically to ensure adequate coverage as their needs evolved.
- Prepared and presented contracts and other legal documents to clients.
- Developed new business and managed new and existing clients.
- Collaborated with mortgage companies to accurately determine loan and mortgage options for clients.
- Displayed consistent, positive attitude towards customers, peers, and other personnel, even during high-stress situations.
Education
High School Diploma - Business
Southern High School
Louisville, KY01.1998
Skills
- Insurance Product knowledge
- Excel , Microsoft, PowerPoints'
- Account Management
- Underwriting
- Marketing
- Attention to detail
- Communications, Organization & Leadership skills
- Customer Service & Insurance Sales
- Coverage and Rate negotiation
- Time management
- Proficient with AMS 360, EPIC and Partner Platform
- Claims management
- Commercial portfolio management
- Account growth
- Problem-solving
- Relationship building
Accomplishments
- Licensed In P&C
- Licensed Health & Life
- Supervised team of 12 staff members.
- Used Microsoft Excel to develop inventory tracking spreadsheets.
- Started CISC designation.
- Sales growth
Certification
- Property and Casualty License
- Life and Health License
- Customer Service Specialist
- Licensed Insurance Agent
Timeline
Commercial Lines Account Manager
RH Clarkson Insurance
06.2020 - Current
Commercial Lines Account Manager
Hyland Insurance
03.2016 - 06.2020
Team Lead Specialist
Liberty Mutual Insurance
01.2006 - 02.2016
Licensed Agent
State Farm
01.2001 - 01.2006
- Property and Casualty License
- Life and Health License
- Customer Service Specialist
- Licensed Insurance Agent
High School Diploma - Business
Southern High School
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