Torrey MILLER
Long Branch
Summary
Dynamic and knowledgeable commercial insurance professional with extensive experience in condos/HOA, construction, elevator contractors, and nursing home/assisted living sectors. Proven track record of delivering tailored insurance solutions that enhance client satisfaction and strengthen relationships. Expertise in effective communication and strategic planning ensures the ability to meet diverse client needs. Committed to contributing to a growth-oriented environment that fosters advancement while leveraging skills and experience to become a valuable team player.
Overview
28
28
years of professional experience
Work History
Associate Client Manager
The Baldwin Group
Holmdel, NJ
11.2025 - Current
- Managed client relationships as primary contact for commercial insurance accounts, delivering expert guidance on policy coverage endorsements and claims inquiries.
- Facilitated coordination between account executives and carriers to enhance policy servicing and ensure timely renewals.
- Analyzed policy documentation and quotations to verify adherence to compliance requirements and accuracy of coverage.
- Managed policy change requests and endorsements via Epic, prioritizing timely delivery to clients.
- Executed billing transactions and meticulously documented processes to guarantee adherence to established internal protocols.
- Facilitated renewal strategy by collecting underwriting data, requesting loss runs, and preparing documentation for carriers.
- Cultivated client relationships to enhance satisfaction and retention through strategic communication.
- Engineered customized solutions for clients, ensuring alignment with unique requirements.
- Niche - Habitational (Condos/HOAs), Elevator Program, Real Estate, and Construction
Insurance Coordinator & Commercial Leasing Special
The PRC Group
Red Bank, NJ
11.2019 - 10.2025
- Oversaw property, auto, fire, and water claims from first report through settlement.
- Conducted audits of insurance policies to ensure compliance and cost efficiency.
- Maintained relationships with carriers to optimize claims processing and negotiation outcomes.
- Coordinated tenant communications and managed commercial lease documentation
- Coordinated insurance claims processing, ensuring timely submission and accurate documentation.
- Managed communication between clients and insurance providers to resolve inquiries efficiently.
- Reviewed Master Deeds and Bylaws prior to initiating insurance coverage.
- Gathered new construction data and completed carrier applications.
Auto Damage Claim Handler
Travelers
Chantilly, VA
11.2010 - 11.2013
- Handle 1st and 3rd party Personal Insurance
- Manage claims for automobiles, non-auto related property damage
- Review and analyze coverage and apply policy conditions, provisions, exclusions and endorsements
- Contact appropriate parties to obtain relevant facts necessary to determine coverage
- Investigate facts to establish negligence and determine liability
- Request the appropriate inspection type based on the details of the loss to effectively resolve the claim
- Establish timely expense reserves
- Pay appropriate parties timely
- Provide a high quality of customer service
- Prepare denial letters and other correspondence as necessary
- Participant of Auto ERT
- Concierge Claims Analyst
- Effectively communicate benefits of ConciergeClaim program to customers
- Provide 2-hour voice to voice contact on assigned claims
- Effectively manage and schedule in new and existing assignments
- Handle rental management of auto physical damage claims assigned to Concierge
- Communicate daily with the local rental vendor to accommodate incoming appointments
- Track and pay appropriate rental days
- Communicate daily with repair shop and provide repair status to customers
- Pay supplements
- Recognize fraud, subrogation, and salvage opportunities and refer to appropriate expert
- Consistently provide high-level customer service
Correspondence Claims Specialist
Optimal Solutions and Technologies
Landover, MD
06.2009 - 05.2010
- Ability to properly handle correspondence which includes documents received from the White House, Congressional correspondence, correspondence from other Federal agencies, the private sector and general public
- Assisted in the development of new procedures designed to improve performance and workflow of the unit and team
- Review and analyze claim file to determine and provide proper response to insured regarding claims handling based on FEMA claims guidelines, rules, and exclusions
- Working knowledge of National Flood Insurance Program and the claims process
- Maintain and update SharePoint site to ensure the most up to date handling of the appeal process
- Prepare correspondence to insured regarding the status of their claim for signature and review by FEMA management
- Ability to work productively with Examiners to ensure the insured receives a complete and thorough product (letter) addressing all concerns
- Prepare reports as needed to compile information in support of department lead
- Evaluated claims to ensure compliance with policies and regulations.
- Assist with the monitoring and status update of claims and update status on a regular basis
- Attend meetings with client in support of Department Lead; prepare and distribute minutes
- Evaluates the substance of claim issue(s) and makes recommendations to the supervisor as to whether the allegation should be paid, investigated further, or dismissed
- Prepares and maintains logs and control records, electronic records, and databases containing basic information on complaints, follow up as necessary
- Gathers and compiles monthly trends, and makes suggestions to management on how to improve processes and create efficiency
- Receives telephone calls, faxes, e-mails, and claims correspondence; analyzes these potential complaints; questions the adjusters, and claims personnel to assure that all known facts and circumstances are obtained
- Acquired skill of editing, and finalizing documents for final draft and release from the unit
Commercial Account Executive
AON ASSOCIATION SERVICES
Washington, DC
03.2006 - 08.2008
- Review and prepare renewal accounts for submission to the insurance carrier for 55 accounts with premium in excess of $6 million
- Negotiate account pricing with brokers and insurance carriers
- Handle all service concerns and issues during the policy term from either the broker or insurance carrier
- Maintain knowledge of competitors coverage
- Support the Accounting Department by ensuring invoices are billed properly and payments are received timely
- Update new business spreadsheet with cross-sells and leads
- Prepare proposals with premium, coverage, and program information
- Prepare binders for submission to brokers
- Act as an intermediary between the Surplus Lines Department and brokers to ensure required affidavits are returned in a timely manner
Commercial Account Manager
USI/PATTERSON SMITH
Falls Church, VA
07.2005 - 03.2006
- Handled over 175 commercial clients with the daily management of their insurance policies. Premiums in excess of $31 million
- Prepared and presented proposals to clients for new business and renewal business
- Assisted clients with gathering information needed in order to accurately process yearly payroll audits
- Directed clients on completion of applications, claim reporting, and detailed billing inquiries
- Liaison to Underwriters in order to determine potential client risks
- Responsible for maintaining successful agent's book of business by providing exceptional customer service
- Obtained financing for clients needing to finance high premium accounts
- Worked with all levels of management
- Traveled to client's offices to gather information and present proposals
Personal/Commercial Lines Account Manager
THE NIA GROUP, LLC
Somerset, NJ
02.2004 - 11.2004
- Suggested automobile, homeowners, flood and umbrella coverage to new and existing clients
- Reviewed and processed endorsements
- Processed ID cards, binders and certificates of insurance
- Rated coverage with multiple carriers
- Developed comprehensive insurance proposals tailored to clients' specific needs and risk profiles.
- Collaborated with underwriters to ensure accurate policy placement and optimal coverage solutions.
Customer Relations Consultant
PRUDENTIAL FINANCIAL
Holmdel, NJ
03.1999 - 05.2003
- Primary responsibilities included resolving customer concerns and assisting Department of Insurance in resolving complaints made via their office
- Consistently reviewed Underwriting Selection Rules to ensure accuracy of decisions regarding policy non-renewals, mid-term cancels and company placement
- Provided written response and supporting documentation to State of New Jersey, Department of Insurance investigators to resolve customer complaints
- Increased customer satisfaction results by providing world class customer service to our more difficult customers
- Handled escalated calls for over 500 Customer Service Representatives
- Suggested training opportunities to management
- Acquired ability to work in an independent, productive environment as well as an environment that values team needs and goals
- Monitored ACD (Automatic Call Distribution) calls and adjust available CSR's as necessary
- Coached Representatives on new call procedures and products
Customer Service Representative
PRUDENTIAL FINANCIAL
Holmdel, NJ
03.1998 - 03.1999
- Primary responsibilities included assisting customers with their personal insurance via a call center environment
- Knowledge of coverage and state regulations and explain in simplified terms
- Completed work assignments by determining levels of priority
- Communicated with external and internal customers with ease
Education
High School Diploma -
Neptune Sr. High School
Neptune, NJ 06-1994
Producer -
Property And Casualty License
Self Study Skills
- Epic
- Microsoft Word
- Microsoft Excel
- Outlook
- Attachmate
- Sagitta
- Abby Rating
- Xactimate
- ClearCase
- TAM
- Industry awareness
- Cross-functional coordination
- Upselling strategies
- Data interpretation
- Clientele interactions
- Teamwork
- Customer service
- Problem-solving
- Multitasking Abilities
- Reliability
- Excellent communication
- Organizational skills
- Analytical thinking
Timeline
Associate Client Manager
The Baldwin Group
11.2025 - Current
Insurance Coordinator & Commercial Leasing Special
The PRC Group
11.2019 - 10.2025
Auto Damage Claim Handler
Travelers
11.2010 - 11.2013
Correspondence Claims Specialist
Optimal Solutions and Technologies
06.2009 - 05.2010
Commercial Account Executive
AON ASSOCIATION SERVICES
03.2006 - 08.2008
Commercial Account Manager
USI/PATTERSON SMITH
07.2005 - 03.2006
Personal/Commercial Lines Account Manager
THE NIA GROUP, LLC
02.2004 - 11.2004
Customer Relations Consultant
PRUDENTIAL FINANCIAL
03.1999 - 05.2003
Customer Service Representative
PRUDENTIAL FINANCIAL
03.1998 - 03.1999
High School Diploma -
Neptune Sr. High School
Producer -
Property And Casualty License