Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

Sandra Belcher, CISR

Chestertown,MD

Summary

Dynamic Personal Lines Risk Advisor with HWP Insurance, skilled in risk assessment and client relationship management. Proven track record in identifying coverage gaps and customizing insurance solutions, ensuring compliance and client satisfaction. Adept at analyzing complex risk factors, fostering strong client connections, and delivering tailored recommendations for optimal protection.

Overview

14
14
years of professional experience
1
1
Certification

Work History

Personal Lines Risk Advisor, High Net Worth

HWP Insurance
Annapolis, MD
01.2020 - Current

  • Identify potential gaps in coverage, and areas of exposure.
  • Analyze risk factors such as location, lifestyle, and asset value.
  • Recommend appropriate insurance products tailored to the client's risk profile.
  • Customize coverage options to ensure adequate protection.
  • Explain policy terms, conditions, and exclusions in a clear, understandable way.
  • Build and maintain strong relationships with clients through regular communication.
  • Conduct annual or periodic reviews of clients' insurance portfolios.
  • Provide ongoing support and education to help clients make informed decisions.
  • Gather the necessary information to obtain insurance quotes.
  • Work with underwriters to ensure accurate risk representation.
  • Assist in the application and binding process.
  • Guide clients through the claims process.
  • Act as a liaison between the client and the insurance carrier.
  • Help ensure timely and fair resolution of claims.
  • Ensure all client interactions and recommendations comply with industry regulations.
  • Maintain accurate records of client communications and policy changes.

Personal Lines Account Manager

Hilb Group of MD
Bowie, MD
11.2011 - 01.2020
  • Performed regular audits of account files to ensure accuracy of information.
  • Maintained accurate records of all policy information in company database.
  • Assisted in the development of new business opportunities by preparing proposals, presentations, and quotes.
  • Attended meetings with clients to discuss their insurance needs and provide advice accordingly.
  • Developed relationships with clients and other insurance professionals to ensure client satisfaction.
  • Reviewed policies for accuracy and ensured that coverage met the individual needs of each client.
  • Advised clients on available options based on their individual circumstances.
  • Identified potential risks associated with policyholders and offered appropriate solutions.
  • Participated in professional development activities such as seminars and conferences.
  • Processed changes to existing policies, such as cancellations, endorsements, reinstatements and renewals.
  • Researched industry trends and developments to keep up to date on regulations affecting personal lines accounts.

Education

High School Diploma -

Southern Highschool
Harwood
06-1991

Skills

  • Risk assessment
  • Insurance underwriting
  • Policy writing
  • Client relationship management
  • Regulatory compliance
  • Coverage analysis
  • Time management
  • Attention to detail

Certification

  • CISR
  • Active P&C License in MD, DC and VA.

Timeline

Personal Lines Risk Advisor, High Net Worth

HWP Insurance
01.2020 - Current

Personal Lines Account Manager

Hilb Group of MD
11.2011 - 01.2020

High School Diploma -

Southern Highschool

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