Joshua Hughes
Spicewood,TX
Summary
Results-driven professional in insurance sales, known for exceptional productivity and efficiency in task completion. Skilled in client relationship management, policy customization, and market analysis. Excel at communication, problem-solving, and adaptability, leveraging these soft skills to meet and exceed sales targets consistently.
Overview
25
25
years of professional experience
1
1
Certification
Work History
Insurance Agent
Galloway Insurance Agency
Marble Falls, Texas
06.2011 - Current
- Responded to customer inquiries and problems to promote great service.
- Maintained accurate records of all insurance transactions using computer software systems.
- Provided customers with information regarding plan features, pricing, and availability.
- Negotiated contracts between insurers and insured parties in order to obtain favorable terms for both sides.
- Leveraged industry trends to shape solutions and approaches.
- Advised customers on the best ways to minimize risks associated with their assets.
- Prepared documents such as applications, endorsements, renewals, cancellations, or other forms required by law or company procedures.
- Monitored clients' insurance coverages to ensure changing needs were met.
- Analyzed claims data to determine potential areas of improvement for policyholders' protection.
- Counseled prospects and policyholders on coverage, limits and regulations.
- Developed appropriate quotes based on risk information.
- Facilitated continuing service by processing changes in beneficiaries and analyzing policy loan applications.
- Assessed customer risk levels and recommended appropriate coverage options.
- Monitored market conditions to ensure that existing policies remain competitively priced.
- Achieved repeat business and referrals through personalized services.
- Engaged customers and provided high level of service by carefully explaining details about documents.
- Responded quickly and accurately to inquiries from clients regarding their coverage plans.
- Educated customers on the importance of maintaining adequate insurance coverage.
Risk Manager/Claims Manager
Frost Insurance Agency
Austin , TX
04.2004 - 06.2011
- Compared costs and benefits of different industry-specific securities to evaluate optimal choices.
- Designed programs and protocols to control company loss and minimize adverse financial impact.
- Conducted in-depth analyses on potential risks, impacts of new legislation or potential economic factors related to financial activities.
- Reviewed contracts and agreements for potential liabilities or exposures prior to signing.
- Acquired risk-related data from external and internal resources.
- Analyzed reporting strategies and data to create educational programs.
- Provided expert guidance on emerging risks and trends, positioning the organization to proactively address challenges.
- Collaborated with stakeholders across departments to identify areas of risk exposure.
- Used Excel pivot tables, charts and reports to break down and analyze information.
- Maintained a comprehensive database of all identified risks along with their associated mitigation plans.
- Monitored regulatory changes affecting risk management practices and ensured company compliance.
- Developed strategies to mitigate risk and reduce potential losses.
- Implemented loss control measures to protect workers and mitigate workplace hazards.
- Built disaster management and recovery plans for different types of financial emergencies.
- Established metrics and benchmarks for evaluating the effectiveness of risk management initiatives.
- Conducted regular reviews of risk management practices to identify areas for improvement.
- Conducted risk analyses to manage organizational risk profile, form reliable control systems and monitor legal issues.
Insurance Adjuster
Allstate Insurance Co
San Antonio , Texas
12.1999 - 04.2004
- Worked closely with repair facilities and contractors to ensure quality repairs for policyholders.
- Investigated questionable claims to determine payment authorization.
- Coordinated with medical professionals to assess injury claims and determine compensation.
- Drafted statement of loss to summarize damages, payments and underlying policy coverage.
- Completed required investigations on referred files within established timeframes.
- Engaged in continuous learning to stay current with industry trends and best practices in claims management.
- Drafted correspondence to notify claimants about claim decisions.
- Reduced loss ratios through fair and prompt processing of claims.
- Analyzed and determined fault in auto accidents based on evidence and applicable laws.
- Investigated insurance claims to determine coverage and liability.
- Managed caseload effectively, prioritizing urgent or high-value claims for prompt attention.
- Interviewed claimants, medical specialists and employers to determine pertinent claim information.
- Utilized claim handling software to document and manage claim files efficiently.
- Reviewed police reports, medical records, witness statements, and other evidence to assess damages.
- Calculated estimated costs for damages and losses.
- Reviewed, evaluated and adjusted claims to promote fair and prompt settlement.
- Negotiated and settled claims according to information presented through reports, research, and data verification.
- Maintained organized records of claim activity and related documents.
- Negotiated settlements with policyholders, claimants, and attorneys.
- Gathered information from various third parties to determine claim acceptability.
Education
Bachelor of Arts - Ministry And Biblical Studies
Austin Graduate School of Theology
Austin, TX05-2009
Some College (No Degree) - Political Science And Psychology
Southwest Texas State University
San Marcos, TXSome College (No Degree) - General Studies
Florida College
Temple Terrace, FLSkills
- Risk assessment
- Contract negotiation
- Customer service
- Claims analysis
- Policy administration
- Data analysis
- Risk management
- Relationship building
- Effective communication
- Problem solving
- Time management
- Client education
- Records maintenance
- Multitasking
- Licensed insurance agent
- Presentation skills
- Active listening
- Insurance coverage verification
- Risk mitigation
- Client retention
- Professional demeanor
- Client consultations
- Problem-solving aptitude
- Adaptability
- Professionalism and ethics
- Reliability
- New agent training
- Teamwork
- Product knowledge
Certification
- Licensed Insurance General Lines Agent
- Licensed Life and Health Agent
- Licensed Insurance Adjuster
References
References available upon request.
Timeline
Insurance Agent
Galloway Insurance Agency
06.2011 - Current
Risk Manager/Claims Manager
Frost Insurance Agency
04.2004 - 06.2011
Insurance Adjuster
Allstate Insurance Co
12.1999 - 04.2004
Bachelor of Arts - Ministry And Biblical Studies
Austin Graduate School of Theology
Some College (No Degree) - Political Science And Psychology
Southwest Texas State University
Some College (No Degree) - General Studies
Florida College
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