Joseph Laviero
Insurance & Risk Specialist
Melville
Summary
Highly motivated and organized insurance and risk professional with distinct understanding of insurance coverages, policy & contractual language and risk analysis. Committed to revenue growth and client retention through educated, innovative solution based service and analysis. Providing proactive and intuitive customer service developed over years of producing, managing and analyzing a diverse spectrum of accounts. Seeking a career opportunity with a construction oriented brokerage.
Overview
12
12
years of professional experience
5
5
years of post-secondary education
1
1
Certification
Work History
Senior Account Executive
HUB International Limited
03.2023 - Current
- Mentored junior account executives, fostering a positive work environment and encouraging professional growth.
- Took advantage of cross sell and account rounding opportunities resulting in organic revenue growth
- Identify potential gaps and exposures within a clients insurance program to create a comprehensive coverage structure
- Perform policy and contract review/analysis as part of risk management procedure for clients
- Suggest and propose policy and contract wording alterations to contractors of real estate clients, subcontractors of GC clients, ensure GC compliance with their clients and projects
- Successfully negotiated with SDV law for more liberal terms and conditions, streamlining and expediting project compliance
- Work with underwriters and wholesale brokers to obtain favorable renewal terms and pricing, proposing alterations to coverage as needed
- Directly oversee an account executive and assistant account executive providing both mentorship and technical support
- Regularly attend client meetings virtually and in person to discuss renewals, new venture opportunities and to address issues as they may arise
- In House construction expert for the Long Island office, providing expertise in the field to staff of all levels
- Keep team up to date on the latest developments within the NY construction risk and insurance industry
- Attend meetings as needed with carrier representatives such as sales managers and underwriters to stay up to date with market trends
- Provide and delegate day to day account servicing for mid and large sized construction and real estate clientele
Insurance Coordinator
EW Howell Construction Group
05.2021 - Current
- Manage risk & insurances for $700M in new and ongoing construction including but not limited to projects such as Brookhaven National Labs, Northwell Health System, Catholic Health Services, Live Nation, Target Retail, UPS and various Schools both public and private
- Oversee team of 12 Project Administrators responsible for collecting and distributing required subcontractor insurance documentation
- Notify Project Administrators when documents require revisions
- Work in conjunction with Director of Risk Management and various Project Managers & Executives to ensure timely project scheduling through subcontractor compliance
- Thoroughly review, analyze and interpret subcontractor insurance endorsements & policies including but not limited to General & Excess Liability, Professional Liability, Pollution/Environmental Liability, Auto and Workers Compensation
- Measure scope of subcontractor operations against insurance policies and endorsements to identify gaps in coverage or exposures which may negatively impact EW Howell balance sheet and insurance loss history
- Negotiate with subcontractors insurance brokers to add, remove or revise exclusions, coverages, verbiage and limits of liability
- Stay current with case law and claims scenarios to keep up to date with latest industry standards and developments
- Provide professional opinions from an insurance and risk standpoint to Project Executives, Superintendents, Project Managers and Safety Team
- Update payment management systems accordingly upon confirmation of subcontractor compliance
- Cooperate with our insurance broker CCIP Management team to track enrollments
- Meet with our attorneys as well as our brokers account servicing team to communicate and collaborate on current issues facing our company and the industry as a whole
Account Executive
Grillo & Associates
01.2020 - 04.2021
- Increased new business through cross selling and account rounding
- Secured high value accounts through consultative selling and effective costumer solutions
- Assessed underwriting guidelines for various insurance carriers and their products
- Meet with carrier representatives
- Review accounts on a monthly basis to monitor and track customer satisfaction and needs
- Negotiate sales between clients and agency
- Marketed both new and renewal business
- Analyze policy language to adhere to compliance as well as to identify potential gaps in coverage and exposures
- Strengthened customer relations through a proactive and collaborative approach
- Enter and manage appropriate data in agency management system
- Issue certificates and endorsements as requested
New Business Account Executive
USI Insurance Services
09.2018 - 12.2019
- Successfully produced and administered middle market accounts, ranging from industrial risk to construction
- Increased new business through cross selling and account rounding.
- Strategize with clients to create customized insurance policies which would best suit the clients needs
- Improve risk profiles by analyzing and identifying areas of exposure which could negatively impact a clients balance sheet
- Evaluated accuracy and quality of data entered into agency management systems
- Met with Sales Managers on a weekly basis to strategize on new business development and existing client retention
- Develop and present educational risk management presentations to both fellow staff and clients alike
Sales Account Manager
LaGrange Inc.
09.2013 - 08.2018
- Develop new business for both personal and small to mid sized commercial lines
- Responsible for analyzing and developing agency commission reports for all producers
- Advise clients on all lines of coverage
- Managed renewals, cancellations and recommendations for a diverse, large diverse book of business
- Meet with carrier representatives to address issues and stay up to date with products and underwriting protocol
- Trained new staff in agency procedures
- Input and maintain data in agency management system
- Market new and renewal business
- Issue Certificates
Education
Bachelor of Science - Business Management
SUNY Farmingdale
Farmingdale, NY 08.2010 - 05.2015
Skills
Contractual Compliance
Agency Management Software
Business Development
Public Speaking
Marketing
Relationship Strengthening
Coverage Analysis
Risk Management
Negotiation
Construction Management
Affiliations
- Member, Hauppauge Industrial Association , 2018 to Current
Certification
New York State Property & Casualty Broker License
Timeline
Senior Account Executive
HUB International Limited
03.2023 - Current
Insurance Coordinator
EW Howell Construction Group
05.2021 - Current
Account Executive
Grillo & Associates
01.2020 - 04.2021
New Business Account Executive
USI Insurance Services
09.2018 - 12.2019
Sales Account Manager
LaGrange Inc.
09.2013 - 08.2018
Bachelor of Science - Business Management
SUNY Farmingdale
08.2010 - 05.2015
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