Wayne McIntosh

• California and NCCI New and Renewal Workers Compensation for accounts > 100,000 EAP
• Northern CA and Bay area agency territory
• Underwriting authority 400,000
• Coordination of Loss Control, Claims, Premium Audit company service team with goal of account retention and overall account profitability
• Outside marketing activities to Northern California agents and insureds for proposal presentations, pre-renewal meetings and customer touch.
• Mentoring for small account underwriters and Sales Staff
• Participation in Employer company focus committees for new exposures.

Family Owned Agency- Comprehensive Workers Compensation Product delivery:

• Customer Price Negotiation, Experience Modification Review and Reduction Strategies
• IIPP Design and Monitoring
• Open Claim File Reviews, Light Duty Program Assistance
• Premium Audit Preparation and attendance
• WCIRB contact along with additional Safety, Health or customer needs.

• Managing Program Underwriter for HUB/Progressive Insurance MGU Amazon Program
• Dues included exposure review for risk acceptability, price development, formalized proposal quote and binding
• Positive carrier results gained underwriting authority "Pen" for HUB from Progressive preventing the need for company referrals to carrier
• Grew program premium annually over targets earning Underwriting Performance Award and company bonuses
• National retail agency target marketing and in person proposals and renewal meeting with insured's and agents.

• Evaluated new insurance submitted applications received from nationwide retail agency network for Workers Compensation, Package, Property/IM
• Corresponded with carrier underwriters for account referrals, new appetites and marketing activities.
• Agency Workers Compensation technical expert.

• Independent Insurance Carrier Auditor: Performed Workers Compensation and General Liability annual Premium Audits at insured's offices on behalf of insurance carrier clients
• Consulted with insured's CEO's, CFO's and other insured's senior management reconciling on- site insured's financial records, Federal quarterly reports and annual payroll (quick books etc.)per state insurance laws.
• Discussed, presented audit findings to insured's senior management and carrier management.

• Utilizing existing Agency Retail Agency network, relationship building skills, along with passion and energy, marketed company's Workers Compensation product in San Francisco Bay Area Territory.
• Agency Management activities including New Agency Appointments, Book Profitability monitoring, Service team lead with insured clients for Loss Control, Claims Examiner, Premium Auditor with goal of large account retainment and profitability.
• Created reports to track performance of marketing campaigns and suggest improvements.
• Responded to customer inquiries promptly and professionally to increase customer satisfaction.
• Provided exceptional customer service at promotional events, fostering positive relationships with potential clients and partners.

• Responsible for San Francisco territory Commercial Account Multi-line submission flow, submission pre- underwriting, new agency appointments, territory profitability and account retainment.
• Increased regional sales by developing and implementing strategic sales plans.
• Developed innovative solutions for complex client needs resulting in long-term renewal retention and driving revenue growth.

• Everest National Managing Program Underwriter for (3) 20 million+ MGU retail programs
• Referral Underwriter for AmWins/Networked, Northwest Insurance, Heffernan Insurance programs
• Social Service, General class (non contractor) Workers Compensation business. Combined Program(s) Premium oversight: 75 Million

• National Accounts Excess Worker's Compensation Underwriter
• Self Insured (Retention) clients: Manufacturing, Hotels, Gaming, Municipalities (Incl Police & Fire) School JPA's.
• National Retail Marketing activities to retail agents
• In person safety inspections, IIPP review, and proposal presentations to insured's

• Berkshire Hathaway Bay Area Territorial Underwriter & Marketer (New & Renewal Business)
• Responsible for New Business Application flow, Account Pricing, Bay Area Territorial Growth, Account Retention and Profitability.