Kerren Ricketts
Davenport,USA
Summary
Analytical and detail-oriented Underwriter and Workers’ Compensation Claims Analyst with 15 years of experience in risk assessment, claims management, and policy administration within insurance and PEO environments. Skilled in evaluating risk exposures, underwriting new and renewal business, and managing complex workers’ compensation claims to achieve optimal financial and compliance outcomes. Proven ability to bridge underwriting and claims functions to enhance loss performance, ensure policy accuracy, and deliver superior client service.
Overview
22
22
years of professional experience
Work History
WC Senior Analyst
Aspen HR PEO LLC
02.2023 - Current
- Underwrite prospective clients to determine eligibility for deductible program
- Classification review for accuracy
- Managing existing business books
- ISolved policy updates
- WC reconciliation
- Audits
- Monopolistic payments
- Certificate Issuance
- State compliance reporting
- Monthly WC reporting to carrier
- Improved company efficiency with the development of key performance indicators and tracking metrics.
- Nurtured strong working relationships with clients, ensuring their needs were met while exceeding expectations on deliverables.
- Maintained overall safe work environment with employee training programs and enforcement of safety procedures.
- Enhanced team productivity by streamlining workflow processes and implementing time-saving strategies.
Remote Senior Risk Underwriter
AlphaStaff, Inc.
10.2010 - 02.2023
- Underwrite prospective clients to determine eligibility for our multiple Guaranteed cost and Captive WC program
- Total WSE 31776, Total payroll- $871,195, over $8 Million in premium
- Interim work with carriers and clients on Loss Control recommendations while the company recruited a Loss Control professional.
- Develop methods to assist clients with carrier’s loss control recommendations
- Evaluated risk factors to determine insurance eligibility and coverage limits.
- Analyzed financial data to assess client applications and underwriting guidelines.
- Developed comprehensive reports on underwriting decisions to support strategic initiatives.
- Mentored junior underwriters, providing guidance on best practices and improving overall team performance.
- Collaborated with sales teams to develop competitive pricing strategies for new products, increasing market share.
- Enhanced policyholder retention with personalized underwriting approaches tailored to individual needs.
- Fostered strong relationships with brokers and agents to facilitate smoother application processes.
- Strengthened compliance with industry standards, conducting regular audits of underwriting procedures.
- Achieved significant reduction in claim numbers with stringent yet fair underwriting policies.
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
Risk Underwriter
AlphaStaff, Inc.
12.2012 - 06.2014
- Evaluate potential risk to assess their fitness for the workers compensation services
- Create cases in Salesforce for other departments for all new business and for existing client’s endorsements
- Submit Acord’s to carrier for quotes and renewing client in MCP states
- Provide indication pricing to potential clients
- Train, develop and mentor Risk team and other departments on WC program.
- Support Claims TPA provider relationship and internal claims staff
- Process Monopolistic premium and payroll reporting to the state funds
- Managed Monopolistic Audits semi-annually
- Reported to Risk Director
Assistant Risk Underwriter
AlphaStaff, Inc.
10.2010 - 12.2012
- Complete losses for clients.
- Research and document the contract and insurance laws for each state
- Set-up new claims in Salesforce
- Provide injured workers with appropriate claims forms and maintain personal contact with injured employees
- Provide medical bills and other claim related forms to adjuster assigned
- Assist supervisors with alternative work assignments or creating light duty or restricted duty when possible.
- Send out risk kits
- Reported to Underwriting Supervisor
Account Specialist
Allstate Insurance DBA DMS/SMD/Castillo Insurance Group
02.2006 - 10.2009
- Managed client accounts, ensuring accurate policy administration and compliance with regulatory requirements.
- Coordinated with finance department to streamline billing processes, reducing errors and improving client trust.
- Managed extensive portfolios to identify growth opportunities, ensuring client satisfaction and loyalty.
- Collaborated with cross-functional teams to design custom solutions, meeting unique client needs and driving satisfaction.
Customer Service
Allstate Insurance DBA MJR Insurance Inc
05.2004 - 08.2005
- Streamlined order processing for faster customer service and improved satisfaction rates.
- Enhanced customer service through social media, addressing queries and concerns.
- Provided exceptional customer service, addressing resident concerns promptly and professionally.
- Delivered exemplary customer service and warmly greeted guests.
Education
Bachelor of Science - Professional Administration, Human Resources
Barry University
Skills
- Proficient in Microsoft Excel, Power Point, Outlook, Salesforce, Prism, CoPilot, iSolved
- 220 Property / Casualty License Acquired in November 2013
- Risk Assessment & Underwriting
- Workers’ Compensation Claims Management
- Loss Analysis & Reserve Review
- Policy Renewal & Audit Support
- OSHA & State Compliance
- Experience Mod Evaluation
- Return-to-Work Coordination
- Data Analytics & Reporting
- Client & Carrier Relations
Timeline
WC Senior Analyst
Aspen HR PEO LLC
02.2023 - Current
Risk Underwriter
AlphaStaff, Inc.
12.2012 - 06.2014
Remote Senior Risk Underwriter
AlphaStaff, Inc.
10.2010 - 02.2023
Assistant Risk Underwriter
AlphaStaff, Inc.
10.2010 - 12.2012
Account Specialist
Allstate Insurance DBA DMS/SMD/Castillo Insurance Group
02.2006 - 10.2009
Customer Service
Allstate Insurance DBA MJR Insurance Inc
05.2004 - 08.2005
Bachelor of Science - Professional Administration, Human Resources
Barry University