Wayne McIntosh
Benicia,USA
Summary
Accomplished underwriter with a proven track record of evaluating risks and driving premium growth through agency partners. Excelled in enhancing underwriting program profitability, mentoring underwriting teams, and demonstrating exceptional analytical and leadership abilities. Achieved significant account and program management successes, reflecting a results-oriented approach.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Middle Market Underwriter
Employers Insurance Group
Reno, Nevada
11.2023 - 07.2024
- California and NCCI's new and renewal Workers' Compensation account risk evaluation for accounts greater than $50,000 EAP.
- Northern CA and the Bay Area agency territory.
- Underwriting authority 500,000
- Reviewed submitted accounts up to 90 days before the effective date for WC coverage options.
- Evaluations will result in declinations, the need for additional information, or quote proposals.
- Outside marketing activities to Northern California agents to solicit new risk exposures that fit the Employer's appetite.
- Coordination of loss control, claims, and company service team meetings with agents and insureds for existing large accounts.
- Mentoring activities for small account underwriters, and marketing/sales staff.
- I participated in new exposure company-focused meetings.
Senior Commercial Underwriter
HUB Insurance
Napa, California
11.2019 - 03.2022
- Program underwriter for HUB/Progressive Insurance MGU Program.
- Duties included exposure review for risk acceptability, price development, formalized proposal quote and binding.
- Positive carrier results gained underwriting authority for HUB from Progressive, preventing the need for company referrals to the carrier.
- Grew program premium annually over targets earning Underwriting Performance Award and company bonuses
- Final Book: 115 units / $1.4 Million.
- Reviewed retail agent Accord applications for program underwriting exposure and loss acceptability.
- Declined unacceptable exposures, requested additional information via email, phone, Zoom conversations or office visits.
- Provided written quote proposals for acceptable accounts within $500,000 carrier granted underwriting authority.
- Submitted applicant information (or discussed) to carrier outlining exposure and pricing recommendation for accounts greater than authority.
- Marketed MGU program to other (20) HUB international business, participated in management meetings with MGU carrier (Progressive) rements and exposure trends/updates.
- Performed HUB international Workers Compensation training projects for junior broker staff when needed.
- Performed audits for MGU carrier of retail agents files.
Commercial Underwriter
Rogers Insurance
Danville, California
01.2018 - 11.2019
- Evaluated new insurance submitted applications (received from nationwide retail agency network) for BOP, Commercial Auto, Workers Compensation coverages.
- Pre-qualified applicants, evaluated current coverage needs and reviewed application information; requested additional underwriting information if needed.
- Provided quotes and bound acceptable business, collected premiums.
- Reviewed new business applications and rated for Guard, ICW or Hartford based upon submitted coverage needs and carrier appetite and acceptability.
- Corresponded with carrier underwriters if needed to further underwrite exposures.
- Provided quote or declination letters to applicants, bound business if warranted and collected initial premium deposit.
- Bound business, collected initial deposit and signatures, created certificate; bound 74 new BOP accounts for $850,000 EAP during the period of employment.t.
Premium GL, WC Auditor
AFIRM Premium Audit
Walnut Creek, California
01.2017 - 01.2018
- Independent Insurance Carrier Auditor: Performed 3 - 4 Workers Compensation and General Liability annual Premium Audits at insured's offices on behalf of insurance carrier clients.
- Performed (3 - 4) insurance carrier annual premium audits (Berkeley Net, Farmers, Everest) by reviewing insured's appropriate Federal quarterly reports and annual payroll (quick books etc.) generating GL/WC annual audit reports.
- Consulted with insured's ownership and CFO's reconciling on site insured's financial records and balanced Federal Tax wage reports to insured's annual accounting reports; offsetting employee benefits etc., per state insurance laws.
- Reviewed and documented the audit with the insured and carrier by entering the audit into the 'US Reports system,' generating a carrier physical audit.
Workers Compensation Marketing Rep
Midwest Employers
Remote (Home Office, Illinois), Illinois
09.2012 - 01.2017
- Responsible for Bay Area Workers' Compensation premium growth, managed 110 to 125 Bay Area agents.
- Prescreened submissions for company acceptability, requested additional information when needed.
- Appointed new agents, terminated non producing agents, reviewed results with agents.
- Performed Agency Management Northern California visits, new MGU account targeting, pre-renewal meetings with agents and U/W team for significant or problematic current accounts.
- Reviewed production results with existing agents and took appropriate actions, prospected for new agents that fit company premium potential criteria; terminated non performing retail agents.
- Pre-screened submissions for underwriting, requested needed additional information, provide quotes in person or email with follow-up.
- Represented the company at industry trade shows booth, engaged in agency relationship building.
Bay Area Marketing Vice President
Bay Area Marketing Vice President
Remote (Grass Valley Home Office), California
10.2006 - 09.2012
- Responsible for Commercial and Personal Lines premium growth and profitability managing 100 -110 Bay Area agents.
- Conducted weekly territorial sales meetings, reviewed submitted retail accounts with Bay Area underwriting team.
- Conducted weekly territorial sales meetings, reviewed submitted retail accounts with Bay Area underwriting team.
- Selected targeted accounts and became key agent contact managing quote expectations and requesting additional information when needed.
- Delivered and discussed program options to submitting retailers, performed quote follow up calls to retailer and carrier.
- Attended company management meetings to discuss territory growth and profitability, new carrier products, agency management.
- Evaluated agents for growth and profitability, appointed new agents (or removed them if not producing); updated the marketing system.
Program Director Underwriter
Everest National Insurance
Oakland, California
05.2004 - 10.2006
- Program Manager for three Everest National MGU Workers' Compensation Programs
- Social Services WC Book ($30 Million), Northwest Insurance General Exposure WC book ($21 Million), AmWins/Networked Insurance General Exposure WC Book ($19 Million)
- Reviewed for approval (5 - 6) large account referrals of EAP > 500K from submitted MGA program retailers such as Heffernan Insurance, Northwest Insurance, AmWins/Networked.
- Provided company management with pricing reports to monitor program results and make needed adjustments.
- Visited MGA retailers and provided file audits to ensure carrier pricing and underwriting file compliance were met.
- Created MGA quality reports to review with staff, to improve files when needed.
Education
Bachelor of Arts - Business/Economics
Saint Mary's College of California
Moraga, CA12-1994
Skills
- EPIC
- Word
- QuickBooks
- PowerPoint
- Outlook
- Excel
- SilverPlume
- ISO Rating
Certification
California, Property & Casualty
Timeline
Middle Market Underwriter
Employers Insurance Group
11.2023 - 07.2024
Senior Commercial Underwriter
HUB Insurance
11.2019 - 03.2022
Commercial Underwriter
Rogers Insurance
01.2018 - 11.2019
Premium GL, WC Auditor
AFIRM Premium Audit
01.2017 - 01.2018
Workers Compensation Marketing Rep
Midwest Employers
09.2012 - 01.2017
Bay Area Marketing Vice President
Bay Area Marketing Vice President
10.2006 - 09.2012
Program Director Underwriter
Everest National Insurance
05.2004 - 10.2006
Bachelor of Arts - Business/Economics
Saint Mary's College of California
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