LUCILLE PAGANO

• Gathered, organized and distributed technical documentation.

Perform initial screening of renewal preview for underwriter.

Gather, analyze and evaluate risk exposure using available resources (e.g. application, survey reports, Dun & Bradstreet, MVR’s, loss history, eSelect systems, industry publications such as SAGE, Scopes, IRMI, and A.M. Best, experience rating, Knowledge Management/Predictive Modeling and other information pertaining to business initiatives, etc.) and document results per Quality Assurance standards.

Respond to all inquiries in a timely manner on coverage, billing questions and making policy adjustments based upon granted authority level. Take necessary measures to obtain information needed to finalize inquiries/transactions.

Provide guidance to internal and external customers regarding various underwriting information including the commercial lines automated systems. Effectively communicate with internal and external customers. Reinforce the ease of doing business with Selective by meeting or exceeding customers’ expectations and service quality on a consistent basis.

Analyze and process Workers Compensation bureau notices for all States associated with Region. This will require the understanding of each State’s requirements for reporting experience mod changes whether paper or electronic, electronic filing.

Process or assist in the processing of renewal policies, endorsements, manual policy issuance including OFAC screening, handle BOR’s in accordance with established guidelines and process reports, payment, correspondence under the direction of assigned underwriters.

Service customer billing inquiries which requires the ability to reconstruct account billing activity based on knowledge of the billing system, develop payment plans beneficial to company and client adhering to company guidelines and authority levels

• Underwrite, price, and provide service to large and loss sensitive accounts. Develop and drive renewal pricing and account service strategy working with Actuaries, Claims Executives, Safety Management Specialists. Manage territory retention and profitability goals. Provide advanced technical underwriting support and assist management with special projects. Under limited direction, works within authority limits on highly complex assignments requiring specialized knowledge in breadth and/or depth of profession. All job duties and responsibilities must be carried out in compliance with applicable legal and regulatory requirements.
• Manage, Underwrite and drive the renewal process for territory, including tracking profitability and preparing reports to SRM Management.
• Supported review, acceptance, or denial of new or renewal business after carefully reviewing all information.
• Built strong relationships with agents and clients for constructive communications.
• Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
• Completes Loss Rating Models for pricing & deductible guidance and recommend renewal strategy. Demonstrate technical underwriting skills through strategic, thorough account reviews and file documentation.
• Negotiated terms and conditions of coverage with clients to acquire maximum profitability.
• Met with customers, agents and brokers to negotiate coverage, price, and service delivery.
• Review reports for action needed on accounts for territory. Will also have discussions with management, SBU’s or Line of Business Units and take appropriate action.
• Handle verbal and written correspondence with agents and/or insureds as required. Accompany Account Manager on agency & insured visits. Participate and present accounts during account reviews.
• Apply rules and rates to unique rating situations involving new and renewal policies, endorsements, and cancellations and apply this criteria to accommodate the commercial lines automated system or other automated systems as required, or including processing state filings for accounts if needed.
• Input underwriting information regarding new or renewal policies on appropriate automated systems, and utilize other available automated systems efficiently and effectively.
• Demonstrate appropriate and timely decisions based upon hazard evaluation; understanding of policy coverages, products, and company guidelines; analysis of loss trending and development; and market and industry knowledge.
• Develop and maintain positive agency and client relationships.