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Commercial Lines Sr. Property Consultant

Location:

CT - Meriden, MA - Braintree, MA - Needham, NH - Bedford

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Why USI?
With over $2 billion in revenue and more than 9,000 associates located in approximately 200 offices across the country, USI is one of the largest insurance brokerage and consulting firms in the world.

At USI, we have created one of the most dynamic personal and professional development cultures in the industry. We invest heavily in our associates, and we take pride in celebrating their growth and success through our one-of-a-kind employee reward and recognition programs. We invite you to learn more about what makes USI an exceptional place to work!

Unrivaled Resources and Support
The USI ONE Advantage® allows USI to deliver unique solutions to our clients. This value proposition provides unmatched growth and opportunity for our associates and, at its core, represents a significant investment in our people.

Unique Employee Programs and Deep Community Engagement
We turn care into action with our award-winning wellness program, college scholarships for associates' children, and financial help in times of need. Our annual community service initiative engages associates in hands-on regional service projects helping hundreds of thousands of people each year.

Industry-Leading Associate Rewards and Recognition
In addition to competitive pay, incentives, and benefits, USI recognizes associates through our Summit Awards program, rewarding excellence in those who build our brand each day.

Committed to a Diverse and Inclusive Work Environment  
USI values diversity and is committed to ensuring a fair, diverse, and inclusive work environment for all. Our diversity, equity and inclusion program, "I'm With U," advances these initiatives to champion our team members and the communities we serve.

Nationally Recognized as a Top Insurance Workplace

  • Recognized as one of Insurance Business America’s Top Insurance Employers for five consecutive years (2018-2022).
  • Named to Business Insurance’s annual list of the Best Places to Work in Insurance three years in a row (2020-2022).
  • Gold recipient, American Heart Association’s Workplace Health Achievement Index, three years in a row (2018-2021).

General Description:  Provide expert technical support to clients and members of USI’s Commercial Lines Account Management and Sales Executive teams. Analyze, design, market, price and place property risks. Make fact-based recommendations to clients to solve their most complex insurance issues. Focus will be on the property placement of all types of habitational risks in size from $25m to $1b.

Responsibilities:

·         Provide guidance, coaching and development to the Technical Resources Team focusing on Habitational Risks.

·         Review client property program design, including structure, coverage, limits, deductibles, retention and pricing. Benchmark and make recommendations for improvement.

·         Review clients' risk modeling and existing insurance policies and make recommendations for improvement.

·         Review and understand client financial statements as part of placement preparation.

·         Assess clients’ contractual liabilities and alignment with their insurance policies and make recommendations for improvement.

·         Recognize trends and create client-facing summaries modeling policy options.

·         Support Sales Executives in providing analysis and proposals for prospective clients.

·         Assess and explain clients’ total cost of risk (TCOR). Assess and explain clients’ risk profile using analytical models and resources (i.e. CAT modeling, COPE, Building Valuation, Business Income).

·         Assess and communicate financial impact of policy and funding options.

·         Price client risks for use in policy placement and negotiation. Complete full pre-underwriting review.

·         Negotiate underwriting terms, conditions, and pricing with direct carrier and wholesale underwriting partners on behalf of clients.

·         Develop strong business relationships with external carrier partners and internal Sales Executives and Account Management teams. Provide expertise on the London and domestic wholesale markets.

·         Work closely with claims and risk control team to develop new loss control strategies, ideas and processes.

·         Promote and enhance reputation of USI with carriers and prospects.

·         Take part in recruiting efforts and train new hires.

·         Write and distribute regular client communication on timely topics. Remain close to largest property accounts.


Knowledge, Skills and Abilities:

·         7+ years in a Commercial Lines agency with underwriting and technical experience.  Focus on property insurance and placement including experience with habitational risks and builders risk placements.

·         Understand manuscript property insurance forms

·         Underwriting experience on accounts with TIV focus on Habitational property portfolios of $25m to $1B

·         Bachelor’s degree strongly preferred.

·         Must hold or be willing to earn Property & Casualty insurance license.

·         Industry designation such as ARM, CIC, CPCU preferred

·         Deep, technical knowledge of commercial insurance. Experience managing and driving results for upper-middle and large-market accounts preferred.

·         Strong business, negotiation, and data interpretation skills.

·         Effective written and verbal communication skills.

·         Comfortable with internet-based programs and Microsoft Office products.

·         Knowledge of Sagitta / ImageRight preferred, but not required.

·         Willingness to travel 25% to 30% of the time.


Physical Demands:

Work is performed in a climate-controlled office environment with minimal noise and limited to no exposure to chemicals or toxins. Employees operate office equipment including telephone - headset, Computer, computer monitors, keyboard, mouse, copier, scanner and mail machine. Physical tasks of job include walking, sitting, standing and bending.

Analysis of Physical Demands:

·         Constantly (over 66% of time) work performed requires employees to use repetitive hand motions such as typing, using a keyboard, and sitting at a desk.

·         Frequently (34%-66% of time) work performed requires employees to handle and grasp things, walk on normal surfaces, stand and bend.

·         Occasionally (1%-33% of time) work performed requires employees to drive to client appointments and different offices, have repetitive foot movements, walk on uneven or slippery surfaces to and from work and occasionally reach outward to grab things and bend.

·         Rarely  (< than 1 hour per week) work performed  requires Lifting/Carrying  items that range from 10-50lbs, pushing/pulling  items that range from 10-50lbs,  twisting/ turning including reaching over shoulder or above head , kneeling or squatting.

USI is committed to providing a full-suite of competitive benefits for our growing population and its diverse needs. We offer a wide range of health, welfare and financial benefits including medical, wellness, dental and vision, 401(k), flexible spending and health savings accounts, short and long-term disability, life insurance and other unique employer-sponsored and voluntary programs. USI also offers a generous paid time off policy, paid family leave benefit as well as paid holiday time.


Job ID:

25669

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Notice to Recruiters and Agencies regarding unsolicited resumes or candidate submissions without prior express written approval.
Resumes submitted or candidates referred to USI Insurance Services by any external recruiter or recruitment agency by any means (including but not limited to via Internet, e-mail, fax, U.S. mail and/or verbal communications) without a properly executed written contract for a specified position by an authorized member of the Talent Acquisition team become the property of USI Insurance Services. The Company will not be responsible for, or owe any fees associated with, referrals of those candidates and/or for submission of any information, including resumes, associated with individuals.

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