CJCRM-125 

Risk Consultant, Optimizing Insurance Programs for Growth (Multiple Clients).  Oct 2019 – Present

• Underwriting – structured underwriting guidelines and revised policy terminology for micro insurance program
• Researched reinsurance options for new program.
• Risk Evaluation – performed cost/benefit analysis of rates, limits and deductibles.
• Interaction with Brokers – conducted audit of all agency contracts for MGA with $300 mm premium.
• Developed a Business Plan - designed a captive association risk group including pricing and coverage. 
• Production Underwriting - achieved loss ratio below 20% with new business production of $2 million.
• Reinsurance - prepared cost/benefit scenarios with quota share and XOL programs.
•                 - analyzed economic impact QS: pro-forma P&L analytics on gross & net basis.
• Proven Negotiator - obtained XOL treaty and 80% quota share treaty with cede commission up to 40%.
• Underwriting/ Strategy - manager of underwriting for risk retention group; trained and audited underwriters. Wrote underwriting guidelines in conjunction with actuary. 
• Contract and Policy Review - reviewed property, GL, excess casualty, workers’ compensation and other insurance programs for clients across industries.
• Technical Knowledge - compared coverage, rates and deductibles on large property and liability programs up to $1 million in premium. Compared large deductible and guaranteed cost WC programs, calculated the break-even point for large deductible.
• Interaction with Brokers - worked with national and regional brokers to obtain the best pricing and coverage.

For additional information or to obtain a resume on this Insurance Professional...

Contact Fred Gorman at 1-631-588-4200 Between 8AM & 9PM or Email Fred@GormanPersonnel.com

Or Terry Sanders day or evening call -516-496-4573 or email arielpc@optonline.net