David Winters
Edison,USA
Summary
Accomplished Regional Underwriting Manager and High Value Property Specialist with extensive experience in the High Net Worth insurance sector. Demonstrates a strong record of enhancing productivity and efficiency through expert risk assessment and portfolio management. Adept at navigating regulatory compliance while leveraging effective leadership, problem-solving, and communication skills to improve underwriting processes and team collaboration. Committed to driving results that align with organizational goals.
Overview
22
22
years of professional experience
1
1
Certification
Work History
High Value Property & Reinsurance Specialist
PURE Group of Insurance Companies
10.2015 - Current
- More recent positions include Regional Underwriting Manager for the NY Metro and New England territories for Excess and Surplus, with a focus on regional management, and currently as High Value Property and Reinsurance Specialist for the E&S division of PURE. New business underwriter with a focus on re-engaging and growing assigned brokers through the writing of profitable business nationally, and management of agency relationships.
- New business underwriter with a focus on re-engaging and growing assigned brokers through the writing of profitable business nationally, and management of agency relationships.
- Review and analyze the existing book in order to maintain the highest level of profitability while assessing rates and underwriting strategy.
- Implement changes in underwriting strategy, pricing, and methodology.
- Manage an increased level of authority through referrals to help ensure appropriate underwriting action is taken on risks with higher levels of complexity.
- Work closely with the sales team in the collection of competition details in order to provide a clear view of market conditions, assess the regional budget, and report on the performance of the plan.
- Manage the development of the underwriting team by conducting regular reviews of new business submissions and monthly one-on-ones, targeting areas of growth specific to each team member.
- Regional Underwriting Manager with the management of $44.3 million in force premium.
- Lead in new project development and release: Projects included are system enhancements, manuscript language, reinsurance agreements, FAC procedures, large account specialist role, tax business strategy, construction policy, and water loss strategy.
- As a frontline underwriter, I was personally handling all personal lines business, with an overall $15.5 million book of admitted business.
- New business underwriting procedures consist of, but are not limited to, the review of applications for rate and release of new business terms in accordance with the company’s guidelines to meet and exceed goals.
- Developed relationships and established an open line of communication with all brokers to understand the needs of each client and offer the best package based on those needs.
- Point of contact for broker/client questions on coverage, premium discrepancies, and pricing questions.
- Issuing new business and renewal policies, including processing endorsements, non-renewals, and reinstatements.
- Reviewing inspections and performing required follow-through on inspection requirements.
New Business Underwriter
ACE – Private Risk Services
01.2014 - 10.2015
- New business underwriter in the Premier Division, with a focus on growing assigned territories through the writing of profitable business and management of agency relationships, specific to accounts with premiums in excess of $50,000.
- Handling of all personal lines business with an overall $9.2M book of admitted business.
- New business underwriting procedures consist of, but are not limited to, the review of applications for rate and release of new business terms in accordance with the company’s guidelines to meet and exceed goals.
- Developed relationships and established an open line of communication with all brokers to understand the needs of each client and offer the best package based on those needs.
- Issuing new business and renewal policies, including processing endorsements, non-renewals, and reinstatements.
- Point of contact for broker/client questions on coverage, premium discrepancies, and pricing questions.
- Reviewing inspections and performing required follow-through on inspection requirements, including managing all critical requirement suspense.
New Business Underwriter
AIG – Private Client Group/Private Client Select
07.2007 - 01.2014
- Progressed through positions of increasing responsibility, from Client Service Representative to Underwriting Technician and New Business Underwriter roles, in primary admitted and excess and surplus personal lines business practice.
- Responsibilities include:
- Handling all personal lines business with an overall book of non-admitted business of $14.4M, including VIP clients.
- Handling all personal lines business with an overall book of admitted business of $13 million, including VIP clients.
- New business underwriting procedures consist of, but are not limited to, the review of applications for rate and release of new business terms in accordance with the company’s guidelines to meet and exceed goals.
- Developed relationships and established an open line of communication with all brokers to understand the needs of each client and offer the best package based on those needs
- Creation, implementation, and maintenance of a full-service excess and surplus form library, including E&S state filing compliance requirements and guideline checklists.
- Issuing new business and renewal policies, including processing endorsements, non-renewals, and reinstatements.
- Ordering and reviewing inspections, and performing required follow-through on inspection requirements, including managing all critical requirement suspenses.
- Handled all renewals, endorsements, and inspection reviews for each policy in accordance with the company’s guidelines.
Licensed Broker
Daven Agency Inc.
06.2002 - 07.2007
- Progressed through positions of increasing responsibility from customer service representative to licensed broker, including sales, account executive, and assistant personal lines manager.
- Responsibilities included:
- Drafting applications, writing homeowner, automobile, and commercial policies.
- Servicing all homeowner and automobile insurance accounts throughout the agency.
- Completing follow-ups on payments, financing, amendments, and commissions.
- Soliciting new business while developing and maintaining strong relationships with over 2,500 customers.
- System knowledge: AMS, and Microsoft Office.
Education
Property and Casualty License -
George Weiss School of Insurance
Old Bridge, NJDiploma of Graduation -
Old Bridge High School
Old Bridge, NJSkills
- Effective Organizational Skills
- Expertise in Risk Assessment
- Strategic Problem Resolution
- Customer Engagement Expertise
- Accuracy and Outcome Focused
- Team Effectiveness Enhancement
- Personal Lines Insurance
- Underwriting Tools
- Rate and Rule, Oden, ISO
- Microsoft Office Proficiency
Notableaccomplishments
- Completion of PURE’s management training program
- Completion of Private Client Group Underwriter Training Program
- Member of the VIP team
- Assists in new hire onboarding procedures and training
- Underwriting Technician liaison for new business system development
- Named the point person of the Eastern Zone national audit team
- Service on the Underwriting Technician committee
Certification
- Licensed Property & Casualty
- Licensed Surplus Lines
Timeline
High Value Property & Reinsurance Specialist
PURE Group of Insurance Companies
10.2015 - Current
New Business Underwriter
ACE – Private Risk Services
01.2014 - 10.2015
New Business Underwriter
AIG – Private Client Group/Private Client Select
07.2007 - 01.2014
Licensed Broker
Daven Agency Inc.
06.2002 - 07.2007
- Licensed Property & Casualty
- Licensed Surplus Lines
Property and Casualty License -
George Weiss School of Insurance
Diploma of Graduation -
Old Bridge High School
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