Norm Fernandez CIC

Specialized in underwriting and brokering commercial property and casualty insurance.
Led team development initiatives to enhance skills and productivity.
Focused on all lines of commercial insurance, including general liability, property, and excess coverages.
Maximized team production through strategic guidance and performance management.
Cultivated strong agency relationships to promote new business submissions and high renewal retention. My focus was, is and always will be to deliver superior service setting myself apart from my competition.

Executed Property and Casualty underwriting for commercial lines, specializing in general liability, property, and umbrella policies. Worked independently to establish, market and grow a strong agency base to produce business in excess of my budgeted goals on a consistent basis through excellent customer service.

Developed knowledge of Surplus Lines Carriers and developed very productive relationships with my carrier underwriters based on trust and professionalism.

Surplus Lines Underwriter specializing in Commercial Lines General Liability, Property and Umbrella policies. I was very involved with marketing our carriers and products to our retail agency partners while building relationships with new retail agencies. I developed knowledge of Surplus Lines Insurance Carriers recognizing how critical it was to have mutually beneficial and productive relationships with Carrier Underwriters. My focus became to deliver excellent customer service to all as I recognized it would set me apart from my competition resulting in increased production.

Oversaw all territory operations for Oklahoma and Arkansas, including budget management, underwriting team coordination, and loss control team integration with clients and retail agencies.

Created and achieved budgeted production and loss ratio goals for territory.
Implemented, negotiated, and monitored agency profit-sharing agreements for qualifying retail agents.

Managed a team of 4 marketing representatives to drive Branch production performance.
Oversaw daily operations, ensuring alignment with branch goals and objectives.

Handled branch budgeting, employee hiring, and human resources management effectively.
Collaborated with underwriting and loss control departments to achieve budget targets.

Managed marketing underwriting and production of workers' compensation policies for retail agencies.

Accountable for submission flow, ensuring branch budgetary targets were met.

• Collaborated with branch manager to establish annual budget and track performance results.
• Led a team including loss control and claims representatives to enhance service delivery.
• Cultivated strong relationships with agencies to support overall success in the role.
• Sold EBI products directly to insureds, presenting unique challenges and rewards.

Established San Antonio branch office and structured claims department for operational efficiency.
Directed management of claims department, emphasizing hiring, supervision, file reviews with amicable resolution of all claims in the branch.
Managed branch claims budget to ensure effective financial operations.

Conducted training for branch claims representatives on how to function within an EBI Team.
Attended sales and claims meetings with clients to ensure adherence to EBI team standards and claims handling quality control.
Facilitated high-quality claims service through effective communication and teamwork to ensure every EBI Team was a success in meeting their production and loss ratio budgeted goals.

Handled all aspects of workers' compensation claims processing.
Presented claims services to prospective customers, effectively showcasing EBI offerings.
Collaborated with EBI team to ensure branch premium growth while aggressively managing all claims for each of my insureds.
Maintained the highest quality claim service for every customer while taking care of all of my injured employees.
Analyzed claims data to identify trends, prospective and renewal loss projections to insure a underwriting profit for each account and improve service delivery.
Communicated with clients to provide updates and gather necessary information on a semi annual basis at there place of business. Claims reviews were an important function of the position with EBI.
Conducted training sessions for new team members on how we sold EBI services, claim handling procedures and how the team produced business. The San Antonio was launched with 1 Account Manager, 1 Loss Control Representative and 1 Claims Representative and I was selected for the claims position. We were very successful and grew the branch in excess of 20 Mil in Premium and over 30 employees.

Began my insurance career as a claims representative, handling claims for HEB in Corpus Christi. Receipt, investigation, liability determination, medical management and claims resolution negotiations were the important aspects of the position. Also had significant experience with litigation while working with and directing our defense attorneys.
Handled primarily Workers Compensation and General Liability claims. I was responsible for delivering high quality claims service to Employers Insurance most valued customer.