Kayla Gerhardt
Wimauma
Summary
Commercial Lines Underwriter with 6+ years of experience in evaluating complex insurance risks and optimizing portfolio performance. Skilled in underwriting diverse business lines and fostering productive relationships with agency partners and internal teams. Adept at applying rigorous risk assessment standards and innovative strategies to drive business growth and ensure optimal coverage.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Commercial Insurance Underwriter
Johnson & Johnson, Inc.
11.2024 - Current
- Evaluate complex insurance risks, develop strategies, maintain strong portfolio performance
- Foster agent relationships, secure business efficiently with emails and quotes
- Enhanced underwriting strategies for measurable portfolio growth
- Collaborate with agents to streamline processes and achieve mutual goals
- Works with primarily E&S Commerical Risks and quotes with all different companies depending on risk type, Contractors, Habitational, etc.
- Works directly with Marketing to foster our agency reach while traveling for Agency visits
Commercial Lines Underwriter
Nationwide Insurance
07.2022 - 10.2024
- Assess complex insurance applications, applying rigorous underwriting guidelines to accept or reject policies, ensuring optimal risk management and coverage
- Conduct thorough renewal reviews, analyzing losses, pricing, and policy compliance to ensure optimal coverage and risk mitigation
- Expertly underwrite diverse business lines including Commercial Property, General Liability, Workers' Compensation, Commercial
- Cultivate strong relationships with agency partners through daily phone calls and emails
- Manage territories with substantial DWP, driving business growth while maintaining rigorous risk assessment standards for various commercial insurance lines
- Foster strong relationships with internal teams including IT, Business Development, Product, and Actuary to facilitate seamless communication and enhancing overall operational efficiency
Insurance Specialist
Baldwin Krystyn Sherman Partners
12.2021 - 07.2022
- Collaborated with insureds and agencies to find the best options for coverage in various insurance markets
- Managed task & email ques for insureds and carrier contact
- Evaluate needs based on what the insured brings us such as all lines of business (property, auto, inland marine,builder's risk, etc.)
- Negotiated with E&S carriers to determine what would be the best coverage for high net worth clients
- Kept track of renewals 180 days out for changes to building characteristics such as roof, betterments &improvements
- Worked through middle and small market accounts to determine how to secure coverage
- Developed and implemented underwriting policies and procedures, establishing useful and accurate processingof applications.
Personal Lines Underwriter
UPC Insurance
06.2021 - 12.2021
- Execute thorough renewal and new business reviews, analyzing loss history and policy compliance to drive informed underwriting decisions
- Conducted thorough policy evaluations using tools like XACT ware and Katana, ensuring accurate underwriting decisions and risk assessment
- Evaluate property locations for natural disaster risks, collaborating with FEMA to assess flood, earthquake,and wildfire exposure
- Conduct comprehensive risk assessments using advanced tools, ensuring optimal policy decisions and coverage for personal lines applications
- Collaborates with E&S Carriers to explore the best options for clients and their needs
- Foster strong relationships with clients and agents through proactive communication, addressing inquiries and facilitating smooth policy processes.
Licensed Insurance Sales Professional
USAA
01.2019 - 06.2021
- Drove new member acquisition through tailored product education, consistently meeting sales targets while fostering a welcoming community for USAA customers
- Guided members through insurance policies, adopting a personalized approach to ensure optimal coverage and satisfaction while maintaining team culture
- Tracked and analyzed sales metrics, contributing to achievement of daily, weekly, and monthly goals for self and team in New Member Acquisitions
- Served as culture representative, facilitating information flow across team and department to enhance workplace cohesion and productivity
- Managed personal development through Workday learning and LMS courses, staying current with industry trends and best practices in insurance
Event & Hiring Staff
Topgolf
06.2017 - 01.2019
- Pioneered interactive training methods, blending PowerPoint, group activities, and hands-on experiences to enhance associate learning and retention
- Developed and implemented creative training techniques, combining multimedia presentations with interactive exercises to boost team engagement and knowledge retention
- Fostered a team-oriented environment, promoting open communication and mutual support among staff, leading to enhanced guest experiences and satisfaction
- Energetically led orientation sessions for new hires, instilling company values and best practices, resulting in faster integration and improved performance
Education
Associate of Science - Cosmetology
Onondaga Cortland Madison BOCES
Syracuse, New York05.2014
Skills
- Data Interpretation
- Teamwork
- Communication
- Underwriting
- Policy Analysis
- Financial Acumen
- Regulatory Compliance
- Relationship Building
- Client Management
Certification
- Ethics and Compliance Certification – Ethical Compliance Training Programs.
- Property and Casualty License - Florida Department of Insurance.
Timeline
Commercial Insurance Underwriter
Johnson & Johnson, Inc.
11.2024 - Current
Commercial Lines Underwriter
Nationwide Insurance
07.2022 - 10.2024
Insurance Specialist
Baldwin Krystyn Sherman Partners
12.2021 - 07.2022
Personal Lines Underwriter
UPC Insurance
06.2021 - 12.2021
Licensed Insurance Sales Professional
USAA
01.2019 - 06.2021
Event & Hiring Staff
Topgolf
06.2017 - 01.2019
- Ethics and Compliance Certification – Ethical Compliance Training Programs.
- Property and Casualty License - Florida Department of Insurance.
Associate of Science - Cosmetology
Onondaga Cortland Madison BOCES
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