Julie Christen Chamrad

• Maintained consistent knowledge of industry products and attended continuous education events to increase product knowledge.
• Provided informed guidance to assist clients in choosing commercial insurance products to suit business needs.
• Processed daily mail, email and phone calls from customers and producers to generate new business.
• Analyzed client needs to identify coverage solutions and produced policy and quotes.
• Reviewed audits of policies for accuracy to facilitate corrections between client and carrier.
• Prepared customer presentations and demonstrations of products to solicit new business.
• Negotiated rates to set up finance contracts.
• Processed cancellation requests from carriers and provided resolution to maintain financial equity.
• Managed client risk exposure and coordinated services for development, retention and rounding of accounts.
• Maintained required data in agency management system to follow corporate guidelines.
• Prepared orders and issued binders, proofs of insurance and endorsements for delivery to clients.
• Monitored customer feedback and identified areas of improvement.
• Analyzed customer needs to provide customized insurance solutions.
• Managed accounts in multi-state market with premiums ranging from $100k up to $750k in premium.
• Researched and identified potential new markets.
• Met with customers to provide information about available products and policies.
• Analyzed risk factors to recommend appropriate coverage levels.
• Educated clients on insurance policies and procedures.

• Negotiated favorable terms with carriers on behalf of clients, securing optimal coverage at competitive rates.
• Maintained detailed records of client interactions using agency management systems, ensuring seamless information access for all team members.
• Participated in industry events to stay current on market trends and emerging risks affecting commercial lines clientele.
• Coordinated with claims department to ensure prompt resolution of client concerns, facilitating timely settlements when needed.
• Increased retention rates by establishing trust and rapport with clients through consistent follow-up and attention to detail.
• Supported sales team by generating accurate quotes for prospective clients, contributing to increased revenue growth opportunities.
• Liaised with internal departments to address client needs promptly, fostering cross-functional collaboration within th firm.
• Mentored junior account managers, fostering a supportive team environment and promoting professional growth.
• Contributed to the overall success of the agency by continuously identifying opportunities for process improvement and implementing best practices in account management.
• Collaborated with underwriters for accurate policy endorsements, ensuring proper coverage for clients.
• Provided ongoing education to clients regarding changes in legislation or industry regulations impacting their insurance programs.
• Strengthened relationships with clients through proactive communication and timely responses to inquiries.
• Prepared customer presentations and demonstrations of products to solicit new business.
• Prepared orders and issued binders, proofs of insurance and endorsements for delivery to clients.
• Maintained required data in agency management system to follow corporate guidelines.
• Analyzed client needs to identify coverage solutions and produced policy and quotes.
• Reviewed audits of policies for accuracy to facilitate corrections between client and carrier.
• Processed cancellation requests from carriers and provided resolution to maintain financial equity.
• Educated clients on insurance policies and procedures.
• Calculated premiums and established payment methods for sales.
• Collected premiums on or before effective date of coverage.
• Finalized sales and collected necessary deposits.
• Analyzed risk factors to recommend appropriate coverage levels.
• Conducted annual reviews of existing policies to update information.
• Developed customized risk mitigation strategies for clients based on thorough analysis of their unique exposures and requirements.

• Develop and maintain relationships with key stakeholders in public entity sector to understand their risk management needs and provide tailored insurance solutions
• Develop and maintain strong relationships with key clients in the public entity sector to ensure their satisfaction with services and identify opportunities for cross-selling and upselling
• Identify emerging risks and trends in public entity sector and provide recommendations to clients for proactive risk management strategies
• Identify emerging trends and market opportunities in the public entity sector to proactively provide risk management solutions and stay ahead of the competition
• Analyze client data and present insights and recommendations to improve their risk management strategies and minimize potential risks
• Stay informed about changes in public entity regulations and compliance requirements and provide guidance to clients
• Develop and implement training programs for clients in the public entity sector to enhance their risk management knowledge and skills.
• Built a reputation as a trusted advisor to clients by consistently providing insightful analysis and actionable recommendations.
• Demonstrated excellent problem-solving skills in handling challenging situations that arose in client engagements.
• Developed strong relationships with key clients, fostering trust and loyalty.
• Conducted regular reviews of account performance, identifying opportunities for growth and improvement.
• Collaborated with internal teams to deliver customized solutions for clients'' unique needs.
• Proactively identified potential issues in client accounts, implementing corrective actions as needed.
• Provided expert guidance in navigating complex product offerings, enabling clients to make informed decisions.
• Enhanced client satisfaction by addressing inquiries and resolving issues promptly.
• Identified business challenges and presented solutions to challenges.
• Coordinated effectively with cross-functional teams such as sales, marketing, finance and technical support for optimal client service delivery.
• Ensured timely execution of client requests by coordinating effectively with internal departments and external partners.

• Handled General Commercial Lines Book of Business ($3+ Million)
• Managed all aspects of new entities on current book
• Handled all renewals, changes, and certificates
• Invoiced all renewals & endorsements, rectifying any accounting issues addressed by client and/or accounting team, whether agency bill or direct bill
• Responsible for all processing of endorsements & all other client needs
• Met and/or exceeded Best Practice Requirements/Standards
• Coordinated project management to ensure goals are met within allotted time frame
• Reviewed client sub-contracts and contracts to ensure all requirements are met
• Develop and implement strategies to expand the commercial lines book of business by identifying and targeting new clients in the market
• Identify potential cross-selling opportunities with existing clients
• Review and analyze market trends and competition to identify potential gaps and opportunities in the commercial lines insurance market
• Collaborate with underwriters to develop and negotiate competitive insurance packages for clients
• Collaborate with the producer(s) and/or service team to develop and execute marketing campaigns targeting potential clients in the commercial lines insurance market
• Develop and maintain strong relationships with carriers and underwriters to ensure access to a wide range of insurance markets and products
• Provide ongoing training and support to clients on insurance products, coverage options, and risk management strategies.

• Develop and maintain relationships with key clients to identify their insurance needs and provide appropriate solutions
• Implement innovative strategies to increase client retention and satisfaction
• Develop and maintain relationships with key clients to identify their surety needs and provide appropriate solutions
• Analyze market trends and competitor offerings to develop new insurance products and services
• Collaborate with underwriters to negotiate terms and conditions of insurance policies for middle/large accounts and surety clients
• Identify potential clients and businesses in the market who may benefit from insurance products and services offered by Frates Insurance & Risk Management
• Identify potential cross-selling opportunities within existing client accounts and present appropriate insurance and risk management solutions.

Handled General Commercial Lines Book of Business ($5 Million)

• Handled all renewals, changes and certificates
• Responsible for all processing of Endorsements & all other Client Needs
• Assisted producer in achieving top ten sales nationwide for Agency through New Business written annually
• Met and/or exceeded Best Practices Requirements/Standards
• Managed projects to ensure goals were met within allotted time frame
• Responsible for all aspects of bonding
• Reviewed Client Sub-contracts & Contracts to ensure all requirements are met and advised if any necessary changes or negotiations are needed
• Develop and implement marketing strategies to increase brand awareness and generate leads for the General Commercial Lines Book of Business
• Identify new opportunities for business development and growth in the insurance market, and create strategic marketing plans to capitalize on those opportunities
• Collaborate with underwriters to develop customized insurance solutions for clients
• Collaborate with internal teams to develop and execute marketing campaigns and initiatives targeted at specific industries or client segments
• Analyze market trends and consumer behavior to identify potential gaps in insurance coverage and develop targeted marketing campaigns to address those gaps
• Analyze market trends and competitor activity to identify opportunities for differentiation and growth in the insurance market
• Develop and maintain strong relationships with current and potential clients in order to generate new business opportunities and retain existing business.
• Enhanced client relationships through regular communication, timely project updates, and proactive issue resolution.
• Streamlined internal processes for better efficiency in managing accounts, leading to improved client satisfaction rates.