MICHAEL O’BRIEN
Downers Grove,Illinois
Summary
Professional advocate skilled in navigating complex claims processes and resolving disputes. Expertise in risk assessment, policy interpretation, and client communication. Known for fostering team collaboration and adapting to evolving situations. Proven track record in achieving results and ensuring client satisfaction.
Overview
19
19
years of professional experience
Work History
Financial Institutions Senior Claims Advocate
Alliant Insurance Services
09.2022 - Current
- Work collaboratively with clients and insurers to resolve disputes and clarify policy intent.
- Identify coverage issues and recommend strategic solutions to complex claim scenarios.
- Review and provide commentary on insurance policy language and endorsements.
- Advocate on behalf of insureds to achieve favorable claim outcomes.
- Serve as a liaison between insurance carriers and insured clients, ensuring clear communication and efficient resolution of claims matters.
Energy Claims Manager
Starr Insurance Holding, INC
12.2021 - Current
- Provide oversight to Third-Party Administrators in the handling of auto, general liability, and excess/umbrella claims.
- Analyze coverage issue and communicate coverage position verbally and in writing to business partners and insured.
- Evaluate and analyze coverage, liability, and damages to determine the extent of exposure to both the insured and the company.
- Establish timely and accurate reserves with a focus on exposure to the company.
Senior Claims Specialist TPA Oversight
Chubb Insurance
11.2019 - 11.2021
- Provide oversight to Third-Party Administrators in the handling of auto, general liability, and excess/umbrella claims.
- Analyze coverage issue and communicate coverage position verbally and in writing to business partners and insured.
- Evaluate and analyze coverage, liability, and damages to determine the extent of exposure to both the insured and the company.
- Establish timely and accurate reserves with a focus on exposure to the company.
Construction Technical Specialist
Travelers Insurance
12.2016 - 10.2019
- Resolve large complex casualty claims while demonstrating a thorough knowledge and practical use of medical and legal terminology, case law, statutes, regulations, and company produces.
- Established and maintained accurate reserves through the review and analysis of medical reports.
- Conducted a thorough investigation of coverage, liability, and damages.
- Secured and reviewed contract documents to identify potential risk transfer.
- Transferred risk to all applicable parties.
- Investigated and documented facts regarding contract coverage disputes.
- Drafted coverage denials and reservations of rights correspondence detailing applicable policy language.
- Assisted staff, panel and outside counsel with determining the appropriate steps to minimize reputational monetary loss to the organization.
Senior Commercial Casualty Adjuster
York Risk Services Group
10.2012 - 09.2016
- Completed highly detailed investigation on each claim in a timely manner and fully documented the file with pertinent information.
- Assessed policy details to demine accurate coverage interpretation.
- Conducted a thorough investigation of coverage, liability, and damages.
- Prepared appropriate coverage letters to be submitted and approved by claims management.
- Maintained consistent contact with involved parties to keep all informed of claim process.
- Maintained a diary system that assured that each assigned claim received necessary ongoing attention.
- Closely managed defense counsel and the litigation process to ensure that loss adjustment expenses were appropriate.
- Established appropriate indemnity reserves with documented rationale.
- Effectively managed litigated claims with defense counsel to ensure timely and cost-effective outcomes.
Owner/Agent
Farmers Insurance, Michael O’Brien Agency
09.2011 - 08.2012
- Prepared quotes and gave sales presentations for Property/Casualty, Life, Health, and Commercial Insurance.
- Preformed new agent training.
- Prepared reports and maintained records and policies.
- Developed a satisfied clientele that would recommend an agent’s services to other potential customers.
- Built report with local real estate agents, mortgage brokers, and car dealerships.
- Performed 80-100 new lead calls per day.
- Generated 20 new policies per month.
- Provided customer service to existing policy holders.
- Managed and oversaw all office operations.
- Hired and managed staff.
- Implemented agency marketing strategy.
- Responsible for growth and maintenance of insurance agency.
Senior Liability Claims Representative
Farmers Insurance
11.2005 - 08.2011
- Met with policy holders following personal injury accidents to assist in and explain the claims process.
- Worked one-on-one with claims clients and managed individual claims from onset to resolution.
- Organized all documents needed in the claim process.
- Coordinated all contact between police agencies, hospital, doctor’s offices, and attorneys while maintaining a high standard of professionalism and integrity in representing the interests of Farmers Insurance.
- Exceled in negotiating fair and expedient claim resolution.
- Highly equipped in handling even the most difficult and complex claims.
Education
MBA -
St. Xavier University
Chicago, Illinois01.2010
BA - Business Administration
St. Xavier University
Chicago, Illinois01.2005
Skills
- Thorough detail-oriented approach
- Skilled in data analysis
- Strong client relationship management
- Proven leadership abilities
Timeline
Financial Institutions Senior Claims Advocate
Alliant Insurance Services
09.2022 - Current
Energy Claims Manager
Starr Insurance Holding, INC
12.2021 - Current
Senior Claims Specialist TPA Oversight
Chubb Insurance
11.2019 - 11.2021
Construction Technical Specialist
Travelers Insurance
12.2016 - 10.2019
Senior Commercial Casualty Adjuster
York Risk Services Group
10.2012 - 09.2016
Owner/Agent
Farmers Insurance, Michael O’Brien Agency
09.2011 - 08.2012
Senior Liability Claims Representative
Farmers Insurance
11.2005 - 08.2011
MBA -
St. Xavier University
BA - Business Administration
St. Xavier University
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