Hi, I’m
Richard Hameister
Alpharetta,GA
Summary
Analytical Senior Underwriter with expertise in High Net Worth customers, offering more than 10 years of experience. Analyzing the potential for large claims due to high total insured value & higher limelight exposures.. Gifted in evaluating Auto Property, Inland Marine, & Executive Umbrella policies, risk and loss potential, and developing information for new and renewal policies with high accuracy. Team-oriented with success in building strong professional and personal relationships that increases satisfaction with brokers and sales agents achieving their business goals. Highly adept in underwriting complex executive high limit, $10 million and above in limits, umbrella policies with diverse underlying exposures. Background includes training and mentoring new underwriters on company procedures, how to review policies and strategies for success. Skilled at reviewing policy documents, forms & endorsements and making accurate decisions on eligibility & acceptability of risks. Offer improved & accurate property risk assessments, liability hazard recognition and acceptance criteria. Looking for a specialized role that can utilize both my underwriting skills and knowledge of the industry. I would like to utilize my leadership & help my teammates grow as insurance professionals.
Overview
12
years of professional experience
4
Insurance Designations & Certifications
Work History
Auto-Owners Insurance Company
Senior Underwriter
03.2024 - Current
Job overview
- Improved underwriting decision quality by conducting thorough risk assessments and analyzing client financial data.
- Applied comprehensive underwriting guidelines for high net worth customers that reduced inconsistencies and improved overall portfolio quality.
- Currently leading an underwriting team & mentoring 3 junior underwriters, fostering their professional growth and enhancing team performance.
- Managed diverse portfolios of complex risks with , ensuring proper coverage while mitigating potential losses. on multiple lines of business with high net premium.
- Maintained strong relationships with over 50 brokers, facilitating open communication channels and improving overall business collaboration for their most valuable clients.
- Provided expert advice on policy form wording and endorsements, ensuring clarity in documentation for both clients and staff members.
Auto-Owners Insurance Company
Underwriting Specialist
04.2018 - 03.2024
Job overview
- Developed customized insurance solutions for clients, addressing their specific needs and requirements.
- Reviewed loss control recommendations from inspections to determine appropriate actions for mitigating identified hazards effectively.
- Reviewed High Net Worth accounts to make accurate decisions by accounting for risk, hazards and exposures.
- Guided, mentored and coached 9 associates in both technical and professional skills, instilling best practice and company standards.
Auto-Owners Insurance Company
Underwriter
04.2012 - 04.2018
Job overview
- Improved risk assessment accuracy by conducting thorough reviews of new business applications and insurance documents.
- Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
- Developed strong relationships & increased agent satisfaction with over 30 brokers, leading to higher volume of quality submissions and successful underwriting.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
Education
Middle Tennessee State University, Murfreesboro, TN
Bachelor of Science from Aerospace Administration
05.2010
University Overview
- Dean's List in both Fall '09 & Spring '10
- University Flight Team Pilot & Member
- Resident Assistant for On-Campus Housing
Skills
- Sales & Agent Support
- Industry Trends
- Policy Language & Review
- Underwriting Knowledge
- Training & Mentoring
- Risk Evaluation & Problem Solving
- Adaptability and Flexibility
- Accurate Analysis
- Relationship & Team building
- Teamwork and Collaboration
Certification
- API - Associate in Personal Insurance
- AINS - Associate in Insurance
- SM - Certification in Supervisory Management
- Dale Carnegie Training Course Graduate & Coach
Work Preference
Work Type
Full TimeWork Location
HybridRemoteOn-SiteImportant To Me
401k matchPaid time offFlexible work hoursHealthcare benefitsPaid sick leaveCareer advancementWork-life balanceCompany CultureAvailability
See my work availability
Not Available
Available
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Senior Underwriter
Auto-Owners Insurance Company
03.2024 - Current
Underwriting Specialist
Auto-Owners Insurance Company
04.2018 - 03.2024
Underwriter
Auto-Owners Insurance Company
04.2012 - 04.2018
Middle Tennessee State University
Bachelor of Science from Aerospace Administration
- API - Associate in Personal Insurance
- AINS - Associate in Insurance
- SM - Certification in Supervisory Management
- Dale Carnegie Training Course Graduate & Coach
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