Heather A Hammer
Hutto,TX
Summary
Results-driven property and casualty insurance broker and underwriter with a strong track record in risk assessment and client relationship management. Demonstrated success in negotiating competitive policy terms, implementing strategies that drive repeat business, and providing expert guidance on risk management and coverage options to enhance client satisfaction.
Overview
21
21
years of professional experience
Work History
National Property Broker
JenCap Holdings
Atlanta, Georgia
05.2025 - 04.2026
- Developed comprehensive insurance plans tailored to client needs for large and middle market accounts with a focus on large Hospitality and Retail schedules.
- Collaborated with underwriters to assess client eligibility and premiums.
- Educated clients about policy details, exclusions, and renewal processes.
- Built strong client relationships through personalized service and follow-up communications.
- Interviewed prospective clients to learn about financial needs and discuss existing coverage.
- Leveraged industry trends to shape solutions and approaches.
AVP Wholesale Broker
US Risk A Division of Innovation Growth Partners
Austin, TX
12.2018 - 05.2025
- Supported client relationship management to assess insurance needs.
- Reduced work backtracking by using new material movement process for retention accounts.
- Tracked market changes related to commercial insurance products.
- Negotiated premium pricing with underwriters for clients.
- Met with division leaders and consultants to review strategies for sales growth.
- Generated repeat business and referrals through personalized service.
- Advised on risk management, insurance coverage, and policy terms.
- Attended conferences, seminars, workshops, and other commercial insurance brokering events.
- Worked with insurance carriers to resolve coverage and payment issues.
- Collected submissions from sales associates.
VP
AmWINS Access Insurance Services
Dallas, Texas
10.2014 - 12.2018
- Conducted accurate and thorough risk selection with proper classification of insureds.
- Negotiated coverage, policy pricing and service delivery during meetings with customers, agents, or brokers.
- Reviewed and evaluated customer's applications to determine eligibility for insurance coverage.
- Negotiated with customers regarding policy terms and conditions as needed.
- Maintained detailed records of underwriting decisions and processes.
Sr. Underwriting Assistant
Admiral Insurance Company
01.2005 - 08.2014
- Supported Casualty Vice President and three Sr. Casualty underwriters.
- Casualty underwriters should include monitoring of production, hit ratios, and renewal retention.
- Review and evaluate all renewal accounts, then refer to Sr. Underwriter for final analysis approval.
- Analytical skills and data interpretation.
- Maintain quality control records, constantly seeking new ways to improve customer service.
- Quickly and effectively solve customer (broker) challenges.
- Review and process all account audits, binders, and endorsements.
- Train all casualty underwriting assistants.
Education
Property & Casualty Licensed - Surplus Lines Licensed, Certified Insurance Counselor (CIC), Associate in Commercial Underwriting (AU), Associate In General Insurance (AINS), Program In General Insurance (INS), Associate In Insurance Services (AIS), Certified Insurance Service Representative
Insurance Institute of America
Skills
- Risk Assessment
- Evaluation of Property and Liability Exposures
- Policy coverage interpretation
- Commercial underwriting
- Negotiation strategy
- Client education
- Solution orientation
- Comprehensive product knowledge
- Organizational skills
- Time management skills
- Finance and accounting oversight
- Communication Skills
- Client relationship management
- Sales strategy development
- Verbal and written communication
Timeline
National Property Broker
JenCap Holdings
05.2025 - 04.2026
AVP Wholesale Broker
US Risk A Division of Innovation Growth Partners
12.2018 - 05.2025
VP
AmWINS Access Insurance Services
10.2014 - 12.2018
Sr. Underwriting Assistant
Admiral Insurance Company
01.2005 - 08.2014
Property & Casualty Licensed - Surplus Lines Licensed, Certified Insurance Counselor (CIC), Associate in Commercial Underwriting (AU), Associate In General Insurance (AINS), Program In General Insurance (INS), Associate In Insurance Services (AIS), Certified Insurance Service Representative
Insurance Institute of America