Hi, I’m
KIP M. MILLER
Cromwell,CT
Summary
Seasoned Commercial Underwriter offering 18 years of Commercial Property & Casualty insurance expertise. Well-versed in insurance with success in mitigating risk and controlling loss through comprehensive analysis, policy negotiation and service delivery with a focus on generating new business opportunities while maintaining a profitable book of renewal business as well.
Overview
29
years of professional experience
1
Certification
Work History
EMC Insurance Companies
Senior Commercial MM & Large Accounts Underwriter
08.2019 - Current
Job overview
- Function as an underwriter for an assigned book of business, assigned geographical territory, or an assigned group of agents to maintain a profitable, growing book of business
- Responsible for developing and maintaining relationships with the agency force
- Obtain information needed to properly evaluate new and renewal submissions
- Serve as WC Resource Underwriter for Providence Branch working closely with Home Office to implement and develop new policies and procedures and to provide training to new underwriters
- Serve on Customer Experience Team to implement strategic initiatives to improve the customer experience for both internal and external customers
- Serve as Sales Mentor to new underwriters to help develop critical sales skills needed to pursue and secure new business opportunities
Allianz Global Corporate & Specialty
Underwriting Specialist
02.2018 - 07.2019
Job overview
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
- Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
- Supported review and acceptance or denial of new or renewal business.
- Examined potential loss stemming from catastrophe, severity or frequency of possible loss.
- Met with customers, agents and brokers to negotiate coverage, price and service delivery.
EMC INSURANCE COMPANIES
Sr Commercial Middle Market and Large Accounts Underwriter
08.2015 - 02.2018
Job overview
- Function as an underwriter for an assigned book of business, assigned geographical territory, or an assigned group of agents to maintain a profitable, growing book of business
- Responsible for developing and maintaining relationships with the agency force
- Assure that risks have proper coverages prescribed, proper premiums developed for exposure, and are acceptable under selection standards, as set forth in Company guidelines, Branch underwriting philosophy, and within written authority grants
SELECTIVE INSURANCE COMPANY
Agency Management Specialist
01.2013 - 05.2015
Job overview
- Develop professional working relationship with agent, regional underwriting and claim teams and corporate departments
- Develop an agency force that pre-qualifies accounts, in-house rates using CLAS, processing small business using One & Done and/or the Service Center, and recognizes the value of the AMS position to help them write new profitable business and achieve agency goals
- Makes consistent underwriting decisions, adheres to company pricing philosophies and promotes ease of doing business with Selective
- Monitors agency results and follows up with agent both as to growth/profitability and compliance with company’s initiatives, procedures and policies
- Car travel represents approximately 40-50% of employee’s time.
ACADIA INSURANCE COMPANY
Senior Underwriter, CT Territory - Small Business
06.2012 - 01.2013
Job overview
- Responsible for new and renewal accounts with a focus on acquisition including underwriting and pricing accounts in accordance with Acadia’s underwriting standards and personal underwriting authority
- Evaluate, select, and price policies for assigned agencies to achieve underwriting profit (within underwriting authority), premium growth, desired business mix, market/agency penetration, and agency management objectives with a focus on new business
- Develop and manage assigned agency relationships with producers and customers through visitations and regular customer contact
- Evaluate the performance of assigned agencies on an ongoing basis to ensure company and agency goals and objectives are met
- Participate in review and evaluation of agencies and make recommendations on agency management issues
- Monitor production, hit ratios, renewal retention ratios, spread of risk, and other production and quality measures
FARM FAMILY INSURANCE COMPANY
Underwriter III
01.2009 - 06.2012
Job overview
- VT, OH, IN, KS, NE, TN territories
- Reviewed risk submissions within authority on Workers Compensation, BOP, Business Auto, Commercial Package, Special Farm Package, Special Home Package and Horse Commercial General Liability policies
- Reviewed referrals from production on more complex accounts requiring special handling
- Designated snow plow resource underwriter (Team Leader) for all contractor policies containing street cleaning class
- Responsible for obtaining profitability on snow plow book of business by reviewing snow plow contracts, client lists and applying appropriate pricing based on risk
THE HARTFORD
Underwriter, New Jersey Territory
01.2005 - 01.2009
Job overview
- Underwrote and negotiated price on new business for Workers Comp, Inland Marine, Package and Commercial Auto policies and presented quotes to the agents
- Built and leveraged personal relationships with key agents that allowed The Hartford to obtain new accounts as well as retain and expand sales to existing accounts
- Achieved operating plan objective via new business production (2008 goal - $5.3M) through frequent interaction with assigned agents in order to significantly increase The Hartford’s penetration of the agents existing book of business
The Hartford
Custmer Service Associate - Endorsements
05.2003 - 01.2005
Fleet Bank
Customer Service Associate - Gold Service Team
01.2001 - 05.2003
Metlife
Group Life Claims Adjuster
01.1997 - 05.2001
Oneida Container Co Inc
Factory Worker
06.1994 - 01.1997
Education
STATE UNIVERSITY OF NEW YORK AT CORTLAND
Bachelor of Science from Physical Education
12.1994
Skills
- Insurance Recommendation
- Pricing Policies
- Complex Problem-Solving
- Risk Selection
- Market Penetration Strategy
- Production Goals
- Commercial Insurance
- Hazard Analysis
- Business Growth
- Creative Solutions
- Market Awareness
- Sales Strategies
Certification
- Property and Liability Insurance Principles, INS 21
- Personal Insurance, INS 22
- Commercial Insurance, INS 23
- Associate in Insurance Services, AIS 25
- Associate in General Insurance, AINS
- Commercial Underwriting Principles, AU 60
- Acadia Management and Leadership Program
Timeline
Senior Commercial MM & Large Accounts Underwriter
EMC Insurance Companies
08.2019 - Current
Underwriting Specialist
Allianz Global Corporate & Specialty
02.2018 - 07.2019
Sr Commercial Middle Market and Large Accounts Underwriter
EMC INSURANCE COMPANIES
08.2015 - 02.2018
Agency Management Specialist
SELECTIVE INSURANCE COMPANY
01.2013 - 05.2015
Senior Underwriter, CT Territory - Small Business
ACADIA INSURANCE COMPANY
06.2012 - 01.2013
Underwriter III
FARM FAMILY INSURANCE COMPANY
01.2009 - 06.2012
Underwriter, New Jersey Territory
THE HARTFORD
01.2005 - 01.2009
Custmer Service Associate - Endorsements
The Hartford
05.2003 - 01.2005
Customer Service Associate - Gold Service Team
Fleet Bank
01.2001 - 05.2003
Group Life Claims Adjuster
Metlife
01.1997 - 05.2001
Factory Worker
Oneida Container Co Inc
06.1994 - 01.1997
STATE UNIVERSITY OF NEW YORK AT CORTLAND
Bachelor of Science from Physical Education
- Property and Liability Insurance Principles, INS 21
- Personal Insurance, INS 22
- Commercial Insurance, INS 23
- Associate in Insurance Services, AIS 25
- Associate in General Insurance, AINS
- Commercial Underwriting Principles, AU 60
- Acadia Management and Leadership Program
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