Responsibilities
- Researches client information using both internal and external resources.
- Researches client business history, industry and related technical information during survey preparation.
- Analyzes loss exposures and effectiveness of controls in place to mitigate them.
- Analyzes industry and client historical loss information for patterns or inherent exposures.
- Analyzes portfolio of assigned clients to identify frequency and severity trends to help prioritize survey activity.
- Identifies improvement opportunities and service opportunities based on the loss trends or data.
- Communicates potential services and/or solutions to customers enabling them to manage their risk.
- Coordinates services internally and requests assistance from specialists and engineers as needed.
- Advises Underwriting on risk insurability and coverages.
- Determines effectiveness of client’s operational risk control techniques by line of business.
- Identifies improvement opportunities and provides recommendations to assist client in risk management.
- Determines when additional internal assistance is needed to help clients improve Property and Casualty risk management programs.
- May be asked to research, analyze and evaluate favorability of select industries or classes of business.
- Manages travel, personal workload and special projects to meet agreed upon timelines.
- Consults with Underwriting pertaining to account rehabilitation and may work directly with those accounts to make them insurable.
- Consults with clients, internal business partners and agents regarding risk analysis, recommendations and service needs.
- Creates comprehensive technical reports and recommendations that address the hazards and controls associated with the client’s business, insurance needs and coverage.
- Completes assigned surveys based on established time and service standards.
- Communicates, both verbally and in writing, recommendations for risk reduction to underwriting, clients and agent partners.
- The reports, Risk Management Consultant’s opinions and recommendations are utilized by underwriting to determine risk selection and pricing.
- Responsible for a portfolio of clients.
- Required to work in partnership with the clients, internal associates and agent partners to mutually benefit all parties.
- Works cooperatively and builds strong working relationships with clients’ Senior Leadership (CEO’s, CFO’s, Risk Manager, Business Owner).
- Functions as ongoing risk management resource for clients and business partners.
- Participates in training classes, department and company meetings.
- Assists in the creation of a professional development plan with direct manager or director and is accountable for professional development progress.
- May perform other responsibilities as assigned.
Requirements
- BS/BA studies in insurance, risk management, agriculture, food, engineering, business administration, safety related field desired or equivalent experience.
- Six to eight years’ commercial underwriting, commercial claims adjusting, loss control/safety or associated commercial insurance fields preferred.
- Knowledge of worker’s compensation, fleet, general liability and property insurance coverage.
- In-depth knowledge of risk management issues, loss drivers and risk controls associated with various commercial industries.
- Good verbal and written communication skills to interact with all levels of internal and external contacts.
- Must possess a desire to learn, grow and develop as a risk management professional.
- Interpersonal skills to interact with leadership, internal business partners and peers.
- Ability to prioritize work/time.
- Ability to operate a personal computer and learn/use applicable systems.
- Ability to consistently and effectively communicate on complex exposures and controls of those exposures through efficient reports.
Nice to Have
- Associates must obtain the required Federal and/or State licenses/registrations within the time period designated by the business unit.
- Additional licenses/registrations maybe required when new products and services are implemented.
- Associated insurance designations.
Benefits
- medical/dental/vision
- life insurance
- short and long term disability coverage
- paid time off with newly hired associates receiving a minimum of 18 days paid time off each full calendar year pro-rated quarterly based on hire date
- nine paid holidays
- 8 hours of Lifetime paid time off
- 8 hours of Unity Day paid time off
- 401(k) with company match
- company-paid pension plan
- business casual attire
Team
Structure: integral part of our organization
Additional Information
- Overtime Eligibility: Exempt (Not Eligible)
- Frequent and overnight travel is required.
- Must be able to conduct physical surveys inspections.
- Must be able to climb, stoop, bend, balance on various heights, crawl and lift up to 50 lbs.
- May require relocation.
- Must have a valid driver’s license with satisfactory driving record in accordance with Nationwide standards.
