Lynne Kossow

• Responsible for financial and legal claims guidance in the large market arena, on clients such as Walmart, Allied, AT&T and Comcast.
• Manage files that encompass over 20 jurisdictions.
• Lead strategic initiatives to meet project-specific goals including closing ratios, reserve management, prompt legal resolve and closure of legacy files.
• Cultivate relationships with key stakeholders including TPAs, clients, vendors and legal counsel to drive collaboration and support strategic objectives.
• Identify trends and areas of opportunity for TPA claims staff, to trouble-shoot and create solutions advantageous to our clients.
• Establishe a culture of continuous improvement, fostering innovation and driving sustainable growth across the organization.

• Monitored Branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
• Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
• Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
• Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.
• Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
• Interviewed and hired talented individuals with top-level strengths, improving organizational talents and skill sets.
• Engaged employees in business processes with positive motivational techniques.
• Provided ongoing educational opportunities to assist staff in staying current on jurisdictional, legal and medical trending.

• Reconfigured the entire risk and insurance program, starting over from the ground up.
• Reduced loss ratio from 4.65% of payroll to 0.90% of payroll within 8 months from date of hire.
• Lowered MOD rate from 1.25 to 0.90, the lowest in the company history.
• Produced a Workers Compensation premium savings of $777,000 in my first year with the company.
• Provided oversight and direction on all claims activity, working closely with carrier, TPA and internal staff.
• Complied with regulatory guidelines and requirements, and manage any Errors & Omissions claims that may arise.
• Commenced direct chargebacks of claims costs to each of 16 Branches, to elevate ownership and accountability.
• Developed metrics and monthly reporting - branch-specific and company-wide, to assist in Branch goals and demonstrate areas of opportunity.
• Kept operations in compliance with OSHA, state and federal regulations through regular safety inspections and hazards management strategies.
• Developed risk and safety analysis checklists and protocols, for vetting all clients in order to control risk.
• Trained staff on on new policies and procedures necessary to maintain goals and ensure company-wide consistencies.

• Developed and implemented standard best practices for all 17 Divisions to provide consistent bids for RFPs, ensure OSHA compliance and meet jurisdictional requirements free of penalties and fines.
• Kept operations in compliance with OSHA, state and federal regulations through regular safety inspections and hazards management strategies.
• Worked closely with Chief Legal Officer to minimize risk and ongoing exposures with fleet, maritime, liability, pollution, auto and property risks.
• Supervised claims staff and oversaw TPA activities, to ensure claims were being handled efficiently and cost-effectively.
• Reviewed contracts and agreements to identify potential risks and ideal mitigation strategies.
• Managed Certificates of Insurance required for all bids.
• Investigated allegations to check validity and recommend action to minimize risk.
• Trained field staff across the country on how to control risks and mitigate claims on the front line.
• Produced and filed reports monthly to inform Senior Management of current activities and progress with investigations.

I have been in the insurance industry for 32 years. I have worked for employers, carriers, TPAs and now a broker. I have managed small, middle and large markets in numerous jurisdictions.

Throughout my career, I have provided guidance and education to colleagues through presentations, file reviews and audits, providing feedback on strategy and mitigation opportunities.

I have a very strong legal background, and have taken over 100 cases to Pre-Hearing in Wisconsin, as acting legal representative, to lower legal costs for my clients. This has resulted in a very good rapport with the Wisconsin Department of Workforce Development.

Throughout my tenure, I have held the following positions: Litigation Specialist, Construction Specialist, Senior Resolution Manager, Claims Supervisor, Branch Manager, Vice President and Consultant.

I have held a Health and Life license in WI. I have completed the AIC curriculum, and participate in any learning opportunity that comes my way.

I have been invited to speak at several large engagements, including Women's Alliance, Wisconsin Workers Compensation Forum and Kids Chance of Wisconsin.