Kristy Dennis
Summerville,SC
Summary
Detail-oriented Insurance Underwriter with over 5 years of Habitation underwriting expertise and nationwide Property & Casualty licensing, complemented by 18 years in MGA environments. Skilled in risk selection, coverage structuring, and policy lifecycle management across diverse sectors, including High Value Homes and Flood. Leverages technical underwriting skills and operational insights to optimize risk execution and enhance efficiency in multi-state portfolios.
Overview
17
17
years of professional experience
Work History
Personal Lines Policy Services Manager (Underwriting‑Aligned Operational Role)
Johnson & Johnson Insurance Managers Inc.
Mt. Pleasant, South Carolina
12.2014 - Current
- Worked within underwriting frameworks across Habitation, High Value Homes, Flood, Marine, and Manufactured Homes portfolios to ensure risk intent remained aligned throughout policy servicing.
- Maintained underwriting credibility by supporting risk review discussions, training initiatives, and coverage interpretation for complex exposures.
- Strengthened portfolio consistency by improving risk‑to‑policy execution accuracy and reducing downstream servicing discrepancies.
- Validated system changes impacting underwriting workflows, ensuring binding, issuance, endorsement processes upheld underwriting integrity.
- Provided operational risk insight to underwriting teams, improving clarity around exposure handling and lifecycle execution.
- Mentored underwriting‑track staff, fostering internal underwriting capability development.
- Collaborated with teams to implement process improvements in service operations.
- Developed training materials for onboarding new employees effectively.
- Coordinated with vendors to streamline service-related tasks and communications.
- Assessed service procedures regularly to identify and implement efficiency enhancements.
- Prioritized and delegated daily work tasks to meet anticipated project goals.
- Conducted regular team meetings to discuss customer feedback, process improvements, and operational objectives.
Habitation Underwriter (Binding Authority)
Johnson & Johnson Insurance Managers Inc.
Mt. Pleasant, South Carolina
10.2008 - 12.2014
- Underwrote multi‑state habitation risks across both program and open market placements, managing approximately $2.5M in premium volume.
- Evaluated exposure characteristics, loss drivers, occupancy risk, and coverage structures to determine risk acceptability and pricing alignment.
- Ensured adherence to underwriting guidelines, regulatory requirements, and coverage accuracy across complex residential portfolios.
- Applied underwriting judgment to maintain portfolio discipline while supporting agency partner production objectives.
- Underwrote renewals by reviewing premium history, claims history and company financial condition to determine action.
- Evaluated applications for coverage and loss control reports to assess acceptable risk levels.
- Developed strong subject matter expertise in coverage interpretation, policy structuring, and risk lifecycle execution.
- Cultivated client relationships to improve communication and elevate service quality.
- Trained new underwriters on company procedures and best practices to ensure consistent performance.
Education
Six Sigma Green Belt Change Management - Change Management
University of South Carolina
Columbia, SC09-2019
Skills
- Underwriting guidelines
- Coverage interpretation
- Regulatory compliance
- Risk assessment
- Portfolio management
- Policy interpretation
- Policy quoting
- Data analysis
- Operational efficiency
- Project management
- Customer relationship management
- Strategic planning
- Documentation review
- Team collaboration
- Problem solving
- Effective communication
- Relationship building
Licensing And Designations
- Licensed Property & Casualty Insurance Producer
- PLCS – Professional Lines Coverage Specialist
- AIAM – Associate in Insurance Agency Management
Core Underwriting Expertise
- Habitation Risk Selection & Exposure Evaluation
- High Value Home Coverage Structuring
- Binding Authority & Program Underwriting
- Open Market & Program Placement Experience
- Multi-State Property & Casualty Underwriting
- Loss Exposure Analysis & Coverage Interpretation
- Portfolio Consistency & Guideline Adherence
- Risk-to-Policy Execution Accuracy
- Underwriting Workflow Awareness & Quality Controls
- InsurTech System Testing Impacting Risk Outcomes
Timeline
Personal Lines Policy Services Manager (Underwriting‑Aligned Operational Role)
Johnson & Johnson Insurance Managers Inc.
12.2014 - Current
Habitation Underwriter (Binding Authority)
Johnson & Johnson Insurance Managers Inc.
10.2008 - 12.2014
Six Sigma Green Belt Change Management - Change Management
University of South Carolina