Joshua Acosta
Kingwood,TX
Summary
Bilingual insurance professional with a deep understanding of personal lines underwriting and risk evaluation, combined with advanced proficiency in AMS360 and PL Rater, to efficiently manage and retain high-volume books. Licensed general adjuster and pursuing CPCU designation. Relocating to Manchester, NH, in November to join a growth-focused agency, leveraging my personal lines and underwriting experience.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Risk Specialist
Spataro-Bellino Insurance Agency
East Boston, MA
06.2025 - 12.2025
- Managed risk of complex policies, addressing guidelines for both Auto and Property policies.
- Shop policies with multiple carriers to obtain the best coverage and pricing.
- Performs risk assessment of homeowners' replacement values, evaluating risk factors and profitability of the exposures.
- Overlooked ITV (insurable to value) disputes from underwriters, with carriers and inspectors, analyzes RCT findings, and pictures of inspections to determine appropriate replacement cost.
Personal & Commercial Lines Insurance agent
AmeriCU
Rome, NY
10.2024 - 04.2025
- Assisted clients in understanding coverages, the insurability of risks, and suggestions for coverage.
- Communicated directly with underwriters for updates in underwriting guidelines.
- Worked with AMS 360.
- Helped rewrite policies with other carriers to retain customers who are unhappy with their premium.
Accounting Technician
Department of Finance and Accounting Services
Rome, NY
10.2023 - 10.2024
- Managed over 72 vendors, both overseas and within the United States.
- Performed an analysis of financial records and audited expenses under the federal guidelines of the Department of the Treasury.
- Balanced deadlines according to priority and time frame.
Underwriting Support
MAPFRE Insurance
Remote, NY
07.2022 - 10.2023
- Assisted underwriters with documentation related to the renewability of policies and the eligibility of risks.
- While utilizing underwriter guidelines, I determined the eligibility of risks.
- Determined base premium calculations for exposures in accordance with rating manuals.
- Assisted agents with questions related to rating changes and class identification of policies.
- Performed rating symbols for the underwriting department to determine possible changes in the profitability of the book of business.
First Notice of Loss Rep
MAPFRE Insurance
Remote, NY
01.2022 - 07.2022
- Assisted the insured in filing the first notice of loss report.
- Obtained information related to coverage eligibility, as well as accident details, to provide to the adjuster.
- I spoke with claimants, police officers, and lawyers to obtain the full picture in order for the adjuster to determine liability.
Education
Mathematics
University of Puerto Rico - Rio Piedras Campus
Rio Piedras, Puerto RicoMathematics
Utica College
Utica, NYSkills
- Performs in-depth risk evaluations using RCT data, underwriting manuals, and carrier guidelines to ensure accurate replacement cost values, and maximize account profitability
- Manages a personal lines book through AMS360 and PL Rater, handling renewals, endorsements, and remarketing to retain clients, and achieve consistent year-over-year growth in written premium
- Experience with multiple insurance carriers (MAPFRE, Travelers, Safety, and Progressive)
- Experience in claims as an FNOL rep, as well as possessing an adjuster's license
- Collaborates directly with underwriters and inspectors to resolve ITV disputes, negotiate rating exceptions, and maintain strong relationships with top carriers (MAPFRE, Travelers, Progressive, Safety)
- Able to perform base premium calculations and policy rating
- Bilingual: English & Spanish
Certification
- Property and Casualty Insurance License
- General Adjuster's License
- Pursuing CPCU Designation
Timeline
Risk Specialist
Spataro-Bellino Insurance Agency
06.2025 - 12.2025
Personal & Commercial Lines Insurance agent
AmeriCU
10.2024 - 04.2025
Accounting Technician
Department of Finance and Accounting Services
10.2023 - 10.2024
Underwriting Support
MAPFRE Insurance
07.2022 - 10.2023
First Notice of Loss Rep
MAPFRE Insurance
01.2022 - 07.2022
Mathematics
University of Puerto Rico - Rio Piedras Campus
Mathematics
Utica College