Michael Smith Jr.
Milwaukee
Summary
Insurance professional with 10 years of commercial underwriting experience, handling multi-line guaranteed cost products in the Wisconsin marketplace. I am a proven and impactful contributor, currently managing a $14M+ book of business.
Overview
2026
2026
years of professional experience
Work History
Account Executive – Middle Market
TRAVELERS
01.2020 - Current
- Managing profitability, growth, and retention objectives in fast paced environment, utilizing analytical, negotiation, and relationship skills
- Fostering and maintaining relationships with various broker distribution partners; this includes a top five broker countrywide for Travelers
- Independently and routinely assessing various classes of risks across many industries, based on appetite and enterprise guidelines; collaborating with underwriting officers and management where appropriate
- Experienced in writing large/complex accounts, as well as smaller and medium sized accounts with premiums ranging from $75k to > $2M. Accounts in my renewal book range from $75k to $2.1M in premium
- Proficient in utilizing Salesforce, Microsoft Office products, and proprietary systems to manage prospects, broker relationships, existing book of business
- Quantitative (2024 results): Net base $13.8M
- -Total units: 76 vs goal of 60 (46 renewals + 30 new business quotes)
- -Rate: 2.7% vs goal of 1.9%
- -Property rate: 11.2% vs goal of 10%
- -New business: $2.35M vs goal of $2M
- -Growth: 11.1% vs goal of +6%
Commercial Lines Underwriter II (Property Casualty)
EMC INSURANCE COMPANIES
2015 - 01.2020
- Managed online rating system upon transition from claim adjuster to underwriting role in 2015 – served as dedicated online presence to facilitate the ease of doing business for our agency partners by tracking and binding preferred BOP commercial risks
- Transitioned from managing online rater to a position supporting the entire underwriting team by providing expedited new business quotes for our target classes of businesses in the middle market space, ranging from manufacturing risks, wholesale/distributors, equipment dealers, and more
- In 2017, my role expanded as I was assigned a $4M+ book of business; successfully fostered new relationships and opportunities with agency partners, which promoted growth
- Controlled $5M book of business in 2018; exceeded new business target with over 12% growth; successfully executed on rate targets for renewal book
- Continued successful execution in 2019 of growth, while maintaining a profitable book of business, achieved 31% loss ratio on my portfolio
Claims Adjuster II (Property Casualty)
EMC INSURANCE COMPANIES
- Investigated and routinely resolved claims involving minor to severe bodily injury, as well as property damage claims; regularly assigned outside legal counsel to manage litigation as necessary; gained valuable insight in application of policy coverages, successful claim outcomes
- Consistently set loss reserves for bodily injury claims, guarding against adverse loss development, which positively impacted company profitability
- Successfully resolved claims through mediation, achieved high rate of settlements within given authority
- Experienced in adjusting various sized bodily injury claims, ranging from $100,000
- Developed comprehensive knowledge Casualty policy coverages
Claims Adjuster I (Property Casualty)
EMC INSURANCE COMPANIES
- Developed knowledge and experience in application of laws such as comparative/contributory negligence, governmental immunity
- Adjusted losses ranging in severity from minor bodily injury, property damage losses to multi bodily injury claims
- Regularly adjusted slip and fall bodily injury claims brought against public entity policyholders -municipalities and schools
Claims Representative II (Property Casualty)
EMC INSURANCE COMPANIES
- Examined claims and corresponding insurance policies to make coverage determinations in order to settle/or reject losses in a timely manner
- Adjusted primarily low impact auto accidents
Claims Representative I (Property Casualty)
EMC INSURANCE COMPANIES
- Reviewed insurance policies for confirmation or declination of coverage and established timely contact with policyholder to settle small dollar claims ($10,000 or less) -primarily single auto/ noninjury auto accidents
Education
Bachelor of Arts - Journalism and Mass Communication, English minor
University of Wisconsin-Milwaukee
Liberal Arts studies
Milwaukee Area Technical College
Skills
Risk Evaluation & Selection
Pricing & Rate Strategy
Portfolio Profitability Management
Property & Casualty Coverage Analysis
Broker & Agency Relationship Management
Negotiation & Deal Structuring
Complex Submission Triage
Salesforce & Underwriting Systems
Affiliations
- Chartered Property Casualty Underwriter (CPCU) Designation, The Institutes 2016
- Associate in Risk Management The Institutes 2020
- Associate in Claims The Institutes 2009
- CPCU Greater Milwaukee Chapter Board Member
- Board of Directors and New CPCU Designee Chairperson 2020
- Secretary of the Board 2019
- Secretary of the Board 2018
- New CPCU Designee Chairperson 2017
Timeline
Account Executive – Middle Market
TRAVELERS
01.2020 - Current
Claims Adjuster II (Property Casualty)
EMC INSURANCE COMPANIES
Claims Adjuster I (Property Casualty)
EMC INSURANCE COMPANIES
Claims Representative II (Property Casualty)
EMC INSURANCE COMPANIES
Claims Representative I (Property Casualty)
EMC INSURANCE COMPANIES
Liberal Arts studies
Milwaukee Area Technical College
Commercial Lines Underwriter II (Property Casualty)
EMC INSURANCE COMPANIES
2015 - 01.2020
Bachelor of Arts - Journalism and Mass Communication, English minor
University of Wisconsin-Milwaukee