Teresa Harrell
Smyrna,Tennessee
Summary
Experience Auditor, Personal Lines Bilingual Agent, Underwriting and Analytical skills, Customer service, sales, marketing knowledge, and technical skills exhibited throughout past 28 years. Record of productivity and profitability in progressively responsible positions. Efficient planner, organizer, and manager of time, projects, and professional peers.
Overview
18
18
years of professional experience
Work History
Insurance Premium Auditor
Builders Mutual Insurance
Raleigh, NC
09.2019 - Current
- Worker Comp and General Liability Audits. Which includes Physical, Virtual and Mail In Audits. Remain informed of changes and current information relative to premium auditing through discussion and correspondence with experts and industry-related literature.
- Keeps current on all class code scopes changes and class code additions made by NCCI and/or state workers compensation boards
- Act as the workers compensation and General Liability class code subject matter expert
- Begins to exercise some independent judgment in serving as a resource to commercial underwriting, agents and policyholders the Premium Audit Customer Service and Central Processing units.
- Identify issues to be communicated and socialize the audit information to department (Central Processing, Distribution, Underwriting, Agent/Broker, ) to elaborate on current risk conditions or initiate necessary changes to the policy contract
- Coordinate assignment of multi-location audits for large, complex risks
- May work on special projects and/or complex audits
- Act as a primary reviewer for vendor audits by ensuring audit accuracy
Personal Lines Agent
Ameriagency Insurance
MurfreesBoro, TN
11.2018 - Current
- Sold personal lines policies
- Processed quotes, endorsements, out of sequence endorsements, cancellations, reinstatements, internal rewrites and renewal of policies
- Reviewed 4 point inspections, appraisals, mitigation forms and home inspections
Personal Lines Underwriter
Lighthouse Property Insurance
Orlando, FL
05.2017 - 10.2018
- Review risks when referred for prior approval for NC, SC, TX, and LA states
- Refer any risk over authority level to a senior underwriter or supervisor
- Prepare appropriate referral document
- Review and analyze application to determine acceptability under current company guidelines and policies
- Map risks in coastal areas, request appropriate A-plus report for claims information
- Document analysis, approve or decline the risk, determine appropriate
- Terms for accepting risks to include appropriate coverage needed for inspection reports, corrective measures and notify Agent of reasons for declination
- Review policies for renewal and take necessary action
- Review policy endorsements that have been referred for completeness of information and acceptability of risk
- Obtain additional information if needed and forward to service staff or decline and notify Agent on a daily basis
- Review cancellations that have been referred for approval
- Approve or decline reinstatement/rewrites on policies cancelled for non-payment
- Assist Underwriting supervisor with audits, writing and updating State of TX, NC, SC, LA,
- Training manuals and QRCs
- Review manual ratings, work with marketing representatives to resolve issues
- Perform other duties or special projects as assigned.
Producer/Agent
Pritchard and Associates
Harmony, FL
10.2016 - 04.2017
- Sold Personal lines policies with over 30 Insurance Companies for Home and Auto
- Meet with Real Estate and Mortgage office to talk about the Agency to bring business to the company
- Process and Issued applications and policies, cancellation, endorsements
- Review 4pt inspections, wind mitigation documents
- Bilingual Customer Service
Insurance Acct Manager
Insurance by Ken Brown
Altamonte Springs, Fl
02.2016 - 07.2016
- Sold personal lines policies
- Processed quotes, endorsements, out of sequence endorsements, cancellations, reinstatements, internal rewrites and renewal of policies
- Reviewed 4 point inspections, appraisals, mitigation forms and home inspections
Insurance Group Rater
Florida Blue
Jacksonville, FL
10.2015 - 12.2015
- Manage the daily inventory submitted to the Large Group Rating Mailbox
- Generate new large group proposals and renewal alternates for the state within allocated timeframes
- Send generated proposals to internal and external sales partners via email
- Support the Large Group Renewal Unit with administrative activities related to retention of group business for all product lines.
Account Manager
Wortham Insurance
Houston, TX
06.2014 - 08.2015
- Maintain Consistent, professional communication with assigned clients to promote business growth and retention
- Responsible Quoting, Selling and underwriting all applications and issuing certificates of insurance Communicates with clients and carriers assisting with questions regarding policy coverage
- Produced homeowner, dwelling, fire, condo, boat and general liability policies
- Initiate and complete projects accurately with deadlines
- Special Projects/Miscellaneous duties as assigned by Manager/Supervisor
- Provides administrative support throughout the department such as, but not limited to, answering phones, processing mail, generating form letters and correspondence.
Sales Analyst
Florida Blue /Blue Cross Blue Shield
Jacksonville, FL
06.2013 - 12.2013
- Large Group Enrollment for new sales and renewals
- Analyze, interpret, and maintain the data structure of standard and non-standard groups and process their renewal, new sale, and maintenance files for updating the benefits and rates for various downstream partners
- Research problems and make decisions based upon analysis, knowledge, experience, team input and judgment
- Strong product, SPR and GSS process knowledge
- Create, summarize, analyze and reconcile sales data for Non-Standard strategic accounts
- Support the design and development of methods, tools, models, frameworks of process analysis and research techniques
- Analyze impacts of legislative mandates and systems enhancements on Florida Blue contract requirements
- Ensure the data integrity and coding structures are maintained on RBMS, Seibel, Oracle systems and are in compliance with Corporate and Operational policies and procedures
- Knowledge of Underwriting, rating guidelines and procedures
Personal Lines Underwriter
Alluvion Staffing/Citizens Property and Casualty
Jacksonville, FL
10.2011 - 06.2013
- Department Review and evaluate Roof Re-Inspections for accuracy, rejection, policy credit determination, endorsing/data entry, customer service ,roof permit searches, generate correspondence to agent of detailed renewal changes and insured notification of premium change
- Convert inspection results by coding into premium and policy features management system by following underwriting authority, and re inspection policy and system procedures
- Train Co-workers on processing re-inspection more efficiently, increasing productivity.
Personal Lines Insurance Customer Service Representative
AAA Insurance
Heathrow, FL
10.2010 - 10.2011
- Sold personal lines policies
- Processed quotes, endorsements, out of sequence endorsements, cancellations, reinstatements, internal rewrites and renewal of policies
- Reviewed 4 point inspections, appraisals, mitigation forms and home inspections in Call Center
- Entrusted with the more responsibility as a result of exceptional ability to promptly resolve concerns and satisfy agents and customers.
Personal Lines Underwriter, Insurance Service Specialist
Citizens Property and Casualty
Jacksonville, FL
07.2006 - 10.2010
- Agent Compliance and training Specialist- Personal underwriting and Auditing Department Underwrote, reviewed and processed new and renewal applications
- Assisted supervisor by conducting review of agents and agencies appointed with CPIC to ensure compliance with all rules and applicable state laws
- Reviewed applications to evaluate, classify and rate policies
- Processed applications, endorsements, out of sequence endorsements, cancellations, reinstatements, internal rewrites and renewal of policies
- Reviewed 4 point inspections, appraisals, mitigation forms and home inspections
- Addressed underwriting actions when a request was received from the Claims Department to amend named insured on active or inactive policies
- Assessed all materials and communications regarding each agent’s case to determine a fair and equitable outcome
- Provided detailed research and summary of each case for resolution
- Served as liaison to agents appointed by CPIC regarding issues affecting his/her appointment, providing training and direction
- Researched, analyzed and interpreted CPIC rules and applicable state laws and applied unbiased resolution to review reports
- Sold, quoted, reviewed and processed applications, endorsements, renewals and cancellations
- Handled inbound calls from customers and agents
- Utilized multiple processing systems (Applied Agency Management System, AFW, Data Entry, AS400, Image Right Program, Hi Path) Agent Review Program, Audit Database and Agency Tracking Database)
- Audited book of business transfers from Agency Services Department, reviewed various inspection reports and other supporting documents for compliance with departmental guidelines and conducted appropriate follow-ups
- Assisted with claims and worked with bilingual Spanish customers.
Education
220 Agent License - Insurance
State of Tennessee Ten
Nashville, TN12.2018
Data Entry Certificate - undefined
American Business Institute
1986
Skills
- Proficient in all Windows applications, Microsoft Word, Outlook, Excel, Rumba95/NT, Applied Agency Management System, AMS360, AFW, Data Entry, AS400, Image right Program,
- Hi Path, Agent Review Program, Audit Database, Agency Tracking Database, Seibel and Erate Ezlynx
- Payroll Auditing, Nexus, Quickbooks, Non compliance Assessments
- Bilingual English/Spanish Speaking
Additional Information
- P&C and Surplus Lines License Awarded Top Producing Underwriter in 2008 and 2009 P & C License (Tennessee)
Languages
Spanish
Professional Working
Timeline
Insurance Premium Auditor
Builders Mutual Insurance
09.2019 - Current
Personal Lines Agent
Ameriagency Insurance
11.2018 - Current
Personal Lines Underwriter
Lighthouse Property Insurance
05.2017 - 10.2018
Producer/Agent
Pritchard and Associates
10.2016 - 04.2017
Insurance Acct Manager
Insurance by Ken Brown
02.2016 - 07.2016
Insurance Group Rater
Florida Blue
10.2015 - 12.2015
Account Manager
Wortham Insurance
06.2014 - 08.2015
Sales Analyst
Florida Blue /Blue Cross Blue Shield
06.2013 - 12.2013
Personal Lines Underwriter
Alluvion Staffing/Citizens Property and Casualty
10.2011 - 06.2013
Personal Lines Insurance Customer Service Representative
AAA Insurance
10.2010 - 10.2011
Personal Lines Underwriter, Insurance Service Specialist
Citizens Property and Casualty
07.2006 - 10.2010
220 Agent License - Insurance
State of Tennessee Ten
Data Entry Certificate - undefined
American Business Institute
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