Erica DeCarmen

• Underwrite and manage new and renewal middle market accounts
• Assesses book every quarter to determine required underwriting actions
• Uses risk insights, data and models to drive informed decisions
• Spearhead efforts to drive new business
• Serves as trusted advisor to brokers and agents within assigned territory
• Market facing presence

Recruited back to Synergy to manage the state of Pennsylvania.

• Responsible for new business growth and renewal retention of a 23 million dollar book of business.
• Managed agency relationships
• Negotiated pricing, terms and conditions
• Lead new business proposals and executive reviews with the insured's leadership team

• Responsible for new business growth and renewal retention of a 9 million dollar book of business in western PA
• Appointed new agencies based on ICW's desire to grow our agency footprint in western PA. Trained agencies on ICW's appetite, program and resources
• Underwriting of accounts that generated premium of $10,000 and up
• .Determined appropriate pricing based risk exposures and loss potential
• Acted as Quarterback between risk control, claims and the insured to develop plans of action for underperforming accounts

• Responsible for building and maintaining agency relationships in westernPA
• Responsible for new business production and renewal retention of a 10 million dollar book of business. Worked on large accounts that generated $100,000 in premium and up.
• Responsible for strategically planning agency visits. Provide agency training and assist agencies with the tools needed to build agency book of business in order to increase premium volume and profitability
• Determine appropriate pricing based on risk exposures and loss potential

• Identify underwriting issues; recommend and develop plans for problem resolution and implement where appropriate

Managed a staff of 4 claims adjusters and claims support staff. Evaluated case loads and completed supervisor file reviews. Held monthly training and coached employees through mitigating claim costs. Monitored reserve levels.

Began career as a Claims Adjuster Trainee and was promoted to Claims Adjuster III. Responsible for a case load of complex claims. Responsible for setting file reserves. Conducted thorough investigation of workers' comp claims. Responsible for negotiating settlements with legal counsel. Developed and implemented a Peer Audit procedure that was utilized throughout department.