Tonya Newby
Wyandotte,MI
Summary
Senior Commercial Underwriter with a proven track record in risk assessment, customer service, and process optimization. Committed to enhancing underwriting accuracy and efficiency.
Overview
25
25
years of professional experience
1
1
Certification
Work History
Senior Commercial Underwriter - Liquor Liability
AmeriTrust Group
Lansing MI
01.2014 - 03.2026
- Analyzed insurance applications to ensure appropriate risk evaluation and coverage determination.
- Evaluated complex commercial insurance applications to determine risk exposure and policy terms.
- Streamlined workflow processes, increasing productivity and reducing turnaround time for policy issuance.
- Engaged with agents to acquire critical information, enhancing the accuracy of underwriting assessments.
- Established comprehensive underwriting guidelines to ensure consistent risk assessment.
- Implemented process improvements that streamlined application review timelines and enhanced accuracy.
- Maintained compliance with industry regulations and company guidelines during all underwriting activities.
- Increased profitability by accurately assessing potential exposure levels and determining appropriate premium rates.
- Achieved high levels of customer retention through personalized service and attention to detail in policy creation.
Commercial Lines Underwriting Assistant
North Pointe Insurance
Southfield, MI
01.2008 - 01.2014
- Supported underwriting team by preparing and organizing documentation for commercial lines policies.
- Assisted in evaluating risk factors to determine appropriate coverage levels and premiums.
- Collaborated with underwriters to streamline application processes, enhancing efficiency and accuracy.
- Conducted thorough reviews of policy applications, identifying discrepancies and ensuring compliance with guidelines.
- Implemented process improvements that reduced turnaround times for underwriting decisions significantly.
- Provided prompt customer service to agents, brokers, and insureds, resolving issues quickly and professionally.
- Reduced errors in policy documentation by thoroughly reviewing forms before submission to underwriters for approval.
- Delivered exceptional support to underwriters during peak periods, enabling the team to meet deadlines and sustain a high-quality output.
Personal Lines Underwriter
North Pointe Insurance
Southfield, MI
01.2001 - 01.2008
- Evaluated risk factors to determine appropriate coverage for personal lines policies.
- Collaborated with agents to streamline underwriting processes and improve customer service.
- Applied knowledge of standard criteria to approve or reject applications.
- Answered customer questions via telephone, email, and web chats.
- Identified possible risks and recommended solutions.
- Collaborated closely with IT department to develop a quote and binding system tailored to the needs of our retail partners.
- Successfully transitioned paper-based filing system to a fully digital paperless system. This transition streamlined operations, improved efficiency, and reduced the environmental impact of excessive paper usage.
Education
High School Diploma -
Skills
- Underwriting expertise
- Specialty and Niche Underwriting
- Broker and Client Relationship Management
- Teamwork
- Customer service
- Time management
- Attention to detail
- Multitasking
- Reliability
Certification
- Licensed Resident Producer - 2012 to present
Timeline
Senior Commercial Underwriter - Liquor Liability
AmeriTrust Group
01.2014 - 03.2026
Commercial Lines Underwriting Assistant
North Pointe Insurance
01.2008 - 01.2014
Personal Lines Underwriter
North Pointe Insurance
01.2001 - 01.2008