Daniel McCommons
San Antonio,Texas
Summary
Strategic Commercial Underwriter adept at utilizing advanced insurance product knowledge to serve commercial client needs. Well-versed in underwriting practices, loss control and risk management. Proven track record in sales program management and commercial portfolio management demonstrated over 10 years of industry performance.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Small Commercial Underwriter
The Hartford Insurance Group
San Antonio, TX
05.2021 - Current
- Underwrite multiple small commercial risks for General Liability, Workers' Compensation, Business Auto and Professional Liability (E&O) including Tech E&O and Cyber risk.
- Operate within authority letter to average $1M direct written new business premium annually.
- Calculate and evaluated loss ratio and class fit including various other factors when making underwriting decisions.
- Build relationships with customers, agents and brokers to determine appropriate coverage and premium.
- Support review and acceptance or denial of small commercial new business.
- Control loss by assessing risk, conducting risk analysis and implementing underwriting practices.
- Review applications for insurance coverage and reports from loss control specialists to determine risks.
Independent Insurance Agent
Bridgepoint Insurance Solutions
Allen, TX
04.2019 - 05.2021
- Identified insurance coverage limitations with thorough examinations of current documentation and related records.
- Analyzed retention, loss ratio trends and sales volume to identify areas for improvement.
- Sought out new clients and developed client relationships through networking, direct referrals, lead databases and cold calling.
- Reviewed policy applications for errors and liaised with underwriters to facilitate quick completion of application process.
- Quoted and calculated premium rates for policies, using EzLynx, AMS360 and Direct Carrier SItes
- Achieved top sales status within company by bringing in more than $400,000 per year.
OWNER/PROJECT MANAGER
ALAMO PROPERTY SERVICES
SAN ANTONIO, TX
01.2015 - 03.2019
- Oversee all aspects of projects from inception to completion including, onsite and blueprint takeoffs, scheduling, processing change orders and conducting meetings with architects, designers and clients
- Hire/manage sub-contractors to ensure quality control on multiple ongoing projects
- Manage business aspects including payroll, invoicing, project/lead generation, and budget management.
- Established and administered annual budget with effective controls to prevent overages, minimize burn rate and support sustainability objectives.
SENIOR SALES / COMMERCIAL SPECIALIST
NATIONWIDE INSURANCE
San Antonio, TX
01.2011 - 01.2015
- Provided informed guidance to assist clients in choosing commercial insurance products to suit business.
- Executed cold calls, marketing initiatives and networking to drive sales
- Managed accounts in San Antonio market with territory size of $1,000,000
- Effective liaison between customers and internal departments
- Drove team revenue totals by bringing in over $500,000 in sales
Skills
- Sales lead pipeline management
- CRM
- Commercial portfolio management
- Vendor relationship management
- Account management
- Business development strategy
- Policy quoting and pricing
- Business Development
- Loss protection
- Risk management
- Problem-Solving
- Organization and Time Management
- Interpersonal Communication
- Commercial lines
Additional Information
- General Lines Property and Casualty
- General Lines Health and Life
Certification
CLCS - Commercial Lines Coverage Specialist
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
The best way out is always through.
Robert Frost
Timeline
Small Commercial Underwriter
The Hartford Insurance Group
05.2021 - Current
Independent Insurance Agent
Bridgepoint Insurance Solutions
04.2019 - 05.2021
OWNER/PROJECT MANAGER
ALAMO PROPERTY SERVICES
01.2015 - 03.2019
SENIOR SALES / COMMERCIAL SPECIALIST
NATIONWIDE INSURANCE
01.2011 - 01.2015
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