kimberly renfrow

Functions as top-level technical underwriter for the Commercial Center. Handles all technical issues to resolution through available research and working with Home Office. Acts as a consultant to the commercial service teams to assist in underwriting complex new and in force business within established underwriting policies, practices and standards. Provides specialized technical underwriting, counseling and training of a highly technical and professional nature on all commercial property/casualty and worker compensation risks. Responsibilities also include: Profitable growth of small commercial, middle market and/or complex Property/Casualty and Workers Compensation business through proper selection, classification and pricing of risks within assigned territory/industry. Establishing collaborative relationships with Agencies to understand the external marketplace and underwrites within established performance standards and priorities that are responsive to marketing, underwriting, retention and service goals.

Washington State Owner charged with growing and retaining profitable accounts with a premium of $10,000 and above. Objectives will be accomplished by establishing relationships and partnering with the agency force, including traveling to the field.

Directed and managed assigned personnel. Conducted weekly team meetings and met with employees one on one to communicate changes, establish relationships by coaching and mentoring, and improve morale. Process improvements included creating filings email box, establishing and improving work flow for eight states, introducing eTime to the employees, and reviewing current underwriting authority levels for all assigned personnel. Assisted with recruiting and hiring employees

Farmers Insurance Company, Hillsboro, Oregon (July 1, 2005 – July 15, 2011) Evaluated new business and re-evaluated existing policies of Commercial insurance to enhance the quality and maintain proper rate class administration to fund losses and contribute to profitability. Communicated technical support to all internal and external customers. Worked closely with top performing agents in seven states. Developed marketing plans, reviewed results, and was charged with growing agent's new business premiums profitably. Traveled to Idaho and Utah to conduct training classes for newer agents and met with existing agency force. Primarily focused on the state of Utah and assisted the agency force in growing the state to a GWP of $4M with over 8000 PIF. Facilitated INS courses for fellow employees in both Personal Lines and Commercial.

Conducted the training and development of Personal Lines Underwriters. Instructed new Underwriters in the guidelines and philosophy necessary for decisions to accept or bind risks, decline or modify applications and determine coverage to be extended and endorsements or policy forms to be used. Provided guidance on reevaluating existing business to determine continued acceptability and when to cancel, refuse renewals or modify coverage. Made a regular representative examination of all types of transactions to verify procedure was followed, decisions and actions were sound and correspondence was used properly for best results. Acted as consultant to individual Sr. Underwriters and Underwriters in matters of procedure. Provided technical advice and assistance to other divisions and service centers regarding coverage interpretation, policy and endorsement provisions and Underwriting acceptability for the assigned line of insurance. Recommended new and/or improved training methods and materials.

Evaluated new applications and reevaluated existing policies to maintain underwriting quality and proper rating classification. Responsible for the proper rate classification and renewal underwriting of assigned districts. Instructed new Underwriters in the guidelines and philosophy necessary for decisions to accept or bind risks, decline or modify applications and determine coverage to be extended and endorsements or policy forms to be used. Provided guidance on reevaluating existing business to determine continued acceptability and when to refuse renewals or modify coverage.

Evaluated new and existing Personal Lines business, reinstatements and changes to determine quality risks, their acceptability and proper rating classification. Canceled, declined renewals, or modified policies as necessary under current guidelines. Determined appropriate coverages and endorsements or policy forms to be used. Provided technical assistance to agents, district managers and other departments in the Service Center. Responded to written complaints from customers and the Department of Insurance.

Provided professional Personal Lines customer service to policyholders and agents in person, by telephone, and through correspondence; analyzed inquiries and other non-routine or complex correspondence. Answered questions providing explanation on account status, policy changes, policy values, and premium billings. Made policy changes as needed to complete the transaction.

Processed paperwork relating to changes on insurance policies. Contacted policyholders via telephone and/or letters to update their policies. Assisted in preparing data flow diagrams for major departments using Visio software.

Responded to phone inquiries from customers, agents and vendors regarding claims. Answered calls relating to all aspects of claims process for commercial and personal lines. Performed initial capture of new claims, provided customer assistance on appropriate pending claims and determined method of handling claims. Adjusted small, personal lines, and clear liability claims.

Licensed General Lines customer service representative representing 45 insurance companies through an Independent Insurance Agency. Processed renewals, endorsements, and billings, greeted and directed clients, answered multi-line phones and directed calls. Handled other clerical duties.