Kelly R. Borowy
Fowlerville,MI
Summary
Licensed in property & casualty insurance since 2000
Certificate in general insurance received in 2000
CISR designation received in 2002
Obtained my CIC designation in December of 2005
Obtained AU and ACS designations in 2006
Completed the CPCU designation in 2013
29 years of industry experience with both the agency and the company Received the Underwriter of the year award in Personal Lines in 2003
Received Top Performer Award (Great Escape Recipient) in Small Commercial Underwriting for 2017. Graduate of Hanover Business School in 2022.
Overview
29
29
years of professional experience
Work History
Executive Underwriter -Team Lead Small Commerical
Commercial Lines Department
Howell, MI, MI
12.2020 - Current
- Responsibilities include reviewing renewal business for eligibility and profitability
- Managing a territory of over 18M in premium across a multi-state territory
- Managing 2 direct reports while working referrals for the Customer Service Center Underwriting team consisting of 10 Underwriters
- Assisting with Affinity Program Management
- Works with CSC Management to develop workflows and identify training opportunities across the Service Center and Underwriting teams.
Specialty E&S Underwriter
Hanover Specialty Insurance Brokers
Howell, MI
04.2019 - 12.2020
- Responsibilities included New Business, Renewal, Endorsements and all other service work required within my assigned territory
- My territory included the following states: MI, IN, OH, KY and IL (for half of my tenure)
- The E&S UW position required organization and self-motivation. I had to generate consistent submission flow, manage referral activity and Underwrite and process renewal business.
- I worked with Small and MM Underwriting teams, Regional Vice Presidents and State UW Directors to educate them on the Hanover direct to retail E&S product and to assist them with placement of ineligible or tough products exposures.
- I successfully established strong working relationships with agents across the territory and was able to drive consistent submission flow and communication with both internal and external teams.
Sr. Portfolio Underwriter
Citizens Insurance Co
Howell, MI
02.2012 - 04.2019
- Current responsibilities include reviewing renewal business for eligibility and profitability.
- Territory has included an excess of 10 states and approximately 15 million in premium for accounts up to and in excess of $50,000.
- Currently my territory focus is TX, OK, AR, PA and NY.
- The service center underwriting position requires the ability to multi-task while utilizing multiple computer systems in conjunction with the Service Center Access database (management system) to deliver on service levels for both internal and external customers.
- My role within the center also includes new business underwriting for the Commercial Lines Sales Team.
- Training the internal agency team on product and underwriting expectation and assistance with service center workflow and process improvements.
Small Commercial Underwriter
Commercial Lines Dept.
08.2010 - 02.2012
- My responsibilities included new business submission review for eligibility and pricing, of accounts within the Small Commercial Book roll team.
- I handle business up to $50,000 in premium for select states and handled approximately $8,775,250 in business for the Midwest region.
- I approved and declined business to assure the profitability of the book was maintained while delivering on internal and external demands to grow the book of small commercial business.
- I lead conference calls and held meetings with agents and other teams within the organization.
- I was charged with addressing the internal obstacles that our team faced and was consistently developing solutions to allow us to meet our contractual obligations.
Underwriting Technician
Small Commercial Lines Dept.
06.2007 - 08.2010
- My responsibilities included assisting underwriting in obtaining, reviewing and issuing new business with premiums up to $25,000.
- I reviewed endorsements, processed changes and reviewed driving records for acceptability.
- I worked with agents and internal customers to assure policies were written correctly and efficiently.
- I approved or declined reinstatements and rewrites along with reviewing renewals for appropriate rate structure.
Portfolio Underwriter
Personal Lines Dept.
Howell, MI
09.1998 - 06.2007
- I was responsible for analyzing agencies books of business to verify the numbers were trending in the right direction
- I assisted agents with cross sell and up-sell programs as well as facilitated training for new agencies and brush-up training for existing agents.
- I worked closely with State Management and the Territory Sales Managers to develop strong relationships with the agencies and to help improve written premium, PIF count, retention and loss ratios.
- I was responsible for offsite product training as well as regional meeting presentation and newly appointed agent training.
Personal Lines Underwriter
02.2006 - 06.2007
- In this position I was responsible for analyzing agencies books of business to verify the numbers were trending in the right direction.
- I assisted agents with cross-sell and up-sell programs as well as facilitated training for new agencies and brush-up training for existing agents.
- I worked closely with State Management and the Territory Sales Managers to develop strong relationships with the agencies and to help improve written premium, PIF count, retention and loss ratios.
- I was responsible for offsite product training as well as regional meeting presentation and newly appointed agent training.
- Senior, - Agency Services Team 3/00 - 2/06 I was responsible for reviewing policies and determining eligibility.
- I worked closely with agents and management to improve loss ratios and the quality of business submitted.
- I analyzed data generated from reports and reviewed inspections to assess possible exposures.
- I reviewed claims information and sent legal notice of cancellation to the parties involved.
- I also received calls from the insured and processed changes upon their request, working closely with team members to maintain adequate phone coverage and to assure quick turn around time.
Underwriting Assistant
09.1999 - 03.2000
- I was responsible for assisting the underwriting department with claim referral processing and reviewing and releasing endorsements processed by both company and agency personnel.
- I sent letters to agencies and insured's to obtain additional information that was received in underwriting reports.
Personal Lines Processor
09.1998 - 09.1999
- I was responsible for data entry of all lines of business and for answered the agent's questions.
- Reviewed driving records to verify eligibility and referred to underwriting.
- The goal was to assure timely processing of all business within 7 days.
- I also held position's in customer service and direct bill to help the department with over flow.
Customer Service Representative
Security First Insurance
Flint, MI
06.1995 - 09.1998
- I was responsible for quality control as well as processing all of the changes and new business entry for the personal lines department.
- I was familiar with 10 different companies and their contracts.
- I worked directly with the insured's, handling phone calls and walk-in clients.
- I handled interface issues and processed claims information sent from all companies and also processed direct and agency billed accounting information for all departments within the agency.
Education
BBA - Business Management
Cleary University
Ann Arbor, MI2005
Skills
- Data analysis
- Strong verbal communication
- Public speaking
- Project management
- Extremely organized
- Team leadership
- Self-motivated
- Conflict resolution
- Customer service experience
- Accountable
- Highly motivated
- Detail and process oriented
- Excellent Underwriting acumen
- Team player
- Risk management processes and analysis
Timeline
Executive Underwriter -Team Lead Small Commerical
Commercial Lines Department
12.2020 - Current
Specialty E&S Underwriter
Hanover Specialty Insurance Brokers
04.2019 - 12.2020
Sr. Portfolio Underwriter
Citizens Insurance Co
02.2012 - 04.2019
Small Commercial Underwriter
Commercial Lines Dept.
08.2010 - 02.2012
Underwriting Technician
Small Commercial Lines Dept.
06.2007 - 08.2010
Personal Lines Underwriter
02.2006 - 06.2007
Underwriting Assistant
09.1999 - 03.2000
Portfolio Underwriter
Personal Lines Dept.
09.1998 - 06.2007
Personal Lines Processor
09.1998 - 09.1999
Customer Service Representative
Security First Insurance
06.1995 - 09.1998
BBA - Business Management
Cleary University
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