Emma Horri
San Diego,California
Summary
Experienced Commercial Insurance Specialist with demonstrated history of working in insurance industry, skilled in Underwriting, analytical skills, Risk Management, Property and Casualty Insurance, Construction Insurance, Reinsurance, Sales, and Customer Relationship Management. Holding a master's degree from Boston University in enterprise risk management
Overview
14
14
years of professional experience
Work History
Senior Underwriter
Active Captive Management LLC
Irvine, Orange County, California
08.2019 - 11.2023
- Establish a long-term business plan centered on providing a stable risk transfer mechanism for financial exposures to reduce costs in the long-term when compared to the commercial market
- Develop pro-forma financial statements
- Risk Assessment and control, understanding organization's objectives and determine the risk
- Provide creative solutions to ensure the best possible coverage for hard-to-insure areas and risks
- Collaborate with clients to Identify insurable risks
- Determine which exposures are best served by the captive insurance program
- Ensure the insurance captive achieves its business goals, provides competitive premiums, and creates value-added benefits to the key stakeholders in the areas of risk mitigation and loss management
- Total cost of risk.
Risk Manager
Westbank Corp
Vancouver, BC, Canada
11.2017 - 02.2019
- Develop policies and procedures for loss prevention and risk control
- Insurance program Design, Management & Administration
- Review Current insurance policies to determine necessary changes in insurance requirements and coverage
- Provide assistance and guidance regarding liability, risk issues and contract administration
- Manage annual renewal process with insurance brokers
- Work with property managers and project managers to obtain all relevant property information
- Complete insurance renewal forms and questionnaires, Negotiate rates with Insurance brokers
- Working with brokers to provide them with information for placement of warp up and builder's risks and other policies as required
- Complete project insurance calculations
- Provide information to brokers for all newly acquired assets
- Review all premium invoices for accuracy and pre-approve for accounting
- Review insurance certificates to confirm compliance with contracts
- Review insurance requirements in all contracts (Lease Review & Contract Analysis)
- Manage claims reporting process, Liaise with brokers claims department and independent adjuster
- Maintain database of all insurance policies including rates, all claims incidents and file number.
Account Executive / Commercial Underwriter
Travelers
Vancouver, BC, Canada
07.2016 - 11.2017
- Underwriting and Pricing, Underwrites primarily moderately complex accounts and risks and considers different approaches toward risks to maximize profitability (e.g., pricing, retention, endorsements, limits, indemnity, security) Uses good judgment in making decisions within own underwriting authority and makes recommendations on other accounts to meet business objectives
- Initiates collaborative discussions
- Distribution and Agency Management Effectively manages assigned agents/brokers by developing and maintaining relationships to write and retain accounts consistent with business unit appetite
- Frequently meets with agents/brokers and insureds in order to build and maintain business relationship
- Sales Uses consultative marketing / sales skills and successfully employs a consultative selling approach to market products to agents and brokers
- Identifies and captures new business opportunities and effectively cross sells market segment and Travelers products/businesses
- Develops agency sales/business plan and frequently partners with MD to develop region/group sales plan
- Negotiation Negotiates skillfully in difficult situations
- Executes Strategy and Drives Results Develops and executes on a plan to meet business objectives
- Anticipates and identifies moderately complex underwriting/marketing problems, thoroughly analyzes available information and makes timely practical decisions
- Business Planning and Collaboration Fosters collaboration within the business unit and across the enterprise
- Seeks enterprisewide solutions to business problems
- Assists less experienced employees when appropriate
- Leading Others In addition to leading self, may coach less experienced staff members
- Participate in the training of less experienced Account Executives.
Commercial Lines Underwriter
RSA Insurance Group
Vancouver, BC, Canada
07.2014 - 06.2016
- Responsible for the successful evaluation, selection, negotiation, and pricing for assigned property and Casualty policies in order to ensure a profitable book of business within established underwriting authority
- Analyze requests for renewals and policy changes, and recommend innovative solutions
- Develop and maintain a professional relationship with brokers and/or customers to enhance understanding of the target market and to contribute to quality service, problem solving, and risk selection
- Support brokers regarding underwriting and rating policies, Participate in broker visits, insurance industry functions and marketing events in support of broker relationship development
- Use negotiating skills to maintain healthy relationships within and outside the company
- Understand and apply best business practices towards compliance, internal control and operational risk controls in accordance to national standards and regulatory standards and policies
- Provides technical advice, recommendations, and mentoring to team members
- Make recommendations to improve the department and increase its efficiency.
Commercial Underwriter for Construction / Property
Allianz Global Corporate & Specialty (AGCS)
Toronto, ON, Canada
03.2011 - 07.2014
- Underwrites and analyzes new and renewal business (COC, CAR, EAR, CECR) utilizing the Allianz Way of Underwriting framework and within delegated authority levels on assignment of technical complexity and coordination
- Accurate and timely population of various spreadsheet databases
- Administers and monitors underwriting rules and guidelines, insurance laws and regulations, and rating annual rules
- Develops and maintains relationships with distributors (agents & brokers) in support of business retention and acquisition and works with customers and distributors (agents & brokers) to determine their insurance related needs and provide solutions
- Supports the Allianz sales culture by being a HelpPoint for agents, brokers and customers.
Business Development Broker
Grey Power Insurance Brokers (Intact)
Toronto, ON, Canada
11.2009 - 03.2011
- Selling property and automobile insurance products
- Responding to and fulfilling existing and prospective clients' insurance needs in a customer care environment
- Up selling, cross selling, insurance related projects and obtaining prospects
- Qualifying clients and measuring quality of risk
- Effectively advise and counsel clients on Insurance related matters by telephone
- Remains up to date with all changes in products, price and procedures and underwriting changes
- Provides suggestions to supervisor, which may help improve efficiencies
- Ensures that licensing continuing education requirements are met
- Determine acceptability and risk classification in accordance with the company underwriting guidelines.
Education
Skills
- Excellent interpersonal skills, including listening, verbal and written communication skills with the ability to communicate effectively with all levels of the Company, including senior level management
- 10 Years' Experience in Insurance Industry (Commercial Property & Casualty)
- In-depth mathematical skills necessary to accurately compute fractions, ratios, percentages and totals
- Able to communicate effectively by listening attentively and articulating clearly
- Problem-solving mind-set with the ability to develop creative approaches and solutions
- Superb Communication skills necessary to follow verbal and written instructions
- Proven ability to understand complex business and technical concepts and to be able to make good judgment when faced with trade-offs
- Dedicated, hardworking and organized with a positive attitude
- Ability to work both independently and within a team environment with limited supervision
- Strong ability to analyze data or reports to articulate the "so what" to the business owner or leadership
- Expert knowledge and ability to lead others and manage multiple and time sensitive activities
- Strong interpersonal, sales & customer service and multi-tasking skills
- Good presentation skills with experience interacting and presenting to colleagues/senior management
- Proficient in meeting goals and objectives with minimal supervision
- Enjoy learning and implementing new methods and procedures
- Strong computer Knowledge of windows, Word, Excel, Agency Manager, Powerbroker and based operating systems
- Excellent client focus, including the ability to manage potentially contentious interactions with varying negotiation strategies
- Highly motivated and results focused
References
Available upon request.
Timeline
Senior Underwriter
Active Captive Management LLC
08.2019 - 11.2023
Risk Manager
Westbank Corp
11.2017 - 02.2019
Account Executive / Commercial Underwriter
Travelers
07.2016 - 11.2017
Commercial Lines Underwriter
RSA Insurance Group
07.2014 - 06.2016
Commercial Underwriter for Construction / Property
Allianz Global Corporate & Specialty (AGCS)
03.2011 - 07.2014
Business Development Broker
Grey Power Insurance Brokers (Intact)
11.2009 - 03.2011
Similar Profiles
Emma HorriEmma Horri
Senior Underwriter at Active Captive Management LLCSenior Underwriter at Active Captive Management LLC
Phillip BronskyyPhillip Bronskyy
Brand Ambassador at Captive ManagementBrand Ambassador at Captive Management
Lee HillLee Hill
ActiveH Mobile & Web Implementer / Developer at MIS Active Management Systems LimitedActiveH Mobile & Web Implementer / Developer at MIS Active Management Systems Limited
KASSANDRA CONTRERASKASSANDRA CONTRERAS
Certified Nursing Assistant at The Cove At La Jolla Post Acute Care CenterCertified Nursing Assistant at The Cove At La Jolla Post Acute Care Center
Kevin VillaKevin Villa
Maintenance Technician at Sudberry PropertiesMaintenance Technician at Sudberry Properties