ROBERTA HAYMAN
Lebanon
Summary
Top-notch Underwriter with solid experience in insurance. Proficient in determining level of risk using strong underwriting and statistical skills are essential. Being conscientious and committed is also important to adhering to standards, underwriting guidelines and authority levels.
Overview
28
28
years of professional experience
Work History
MIDDLE MARKET UNDERWRITER
Penn National Insurance
08.2024 - Current
- Evaluated or assessed businesses applying for insurance by qualifying accounts, determining premium and policy terms and conditions and negotiating contracts with authorized business representatives. Managed a $8.5M book of business consisting of General Liability, Property, Inland Marine, Cyber Liability, EPLI, Umbrella and Garage accounts.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
- Developed strong relationships with brokers, leading to a higher volume of quality submissions and successful underwritings.
- Improved risk assessment accuracy by conducting thorough reviews of financial documents.
- Increased customer satisfaction through timely communication and efficient handling of loan applications.
- Achieved faster turnaround times in application processing by optimizing workflows within the underwriting department.
- Reduced underwriting cycle times, prioritizing urgent applications and employing effective time management strategies.
- Utilized knowledge of insurance principles, policies and procedures to make decisions on risk assessment.
- Evaluated applications to determine insurance coverage and appropriate risk classifications.
- Negotiated terms and conditions of coverage with clients to acquire maximum profitability.
- Participate in agency management and visits.
SMALL BUSINESS COMMERCIAL UNDERWRITER
PENN NATIONAL INSURANCE
11.2022 - 07.2024
- Responsibilities include reviewing new business, renewals, endorsements and quote requests to determine acceptability using established underwriting authority and company guidelines for accounts less than $25,000 in premium.
- Negotiate pricing.
- Participate in agency visits.
- Underwrite General Liability, Commercial Automobile, Inland Marine, Property, Cyber, EPLI, Workers Compensation and Umbrella coverage.
- Managed a $5.8M book of business.
E & S AND STANDARD LINES UNDERWRITER
BEASLEY GENERAL AGENCY
10.2013 - 11.2022
- Responsibilities included reviewing new business, renewals, endorsements and quote requests to determine acceptability using established underwriting authority and company guidelines to determine eligibility and the best market.
- Participate in agency management and visits.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
- Developed strong relationships with brokers, leading to a higher volume of quality submissions and successful underwritings.
- Assessed and advised on insurance applications utilizing in-depth underwriting process understanding.
- Responsible for a $1.5M book of business including General Liability, Property, Garage, Umbrella and Inland Marine.
COMMERCIAL LINES SENIOR UNDERWRITER
AMFED COMPANIES AND COMPANION INSURANCE COMPANY
01.1997 - 10.2013
- Evaluated or assessed businesses applying for insurance by qualifying accounts, determining premium and policy terms and conditions and negotiating contracts with authorized business representatives. Managed a $7.5M book of business consisting of General Liability, Property, Inland Marine, Umbrella and Garage accounts.
- Mentored junior underwriters, fostering their professional growth and enhancing team performance.
- Participated in industry conferences and seminars to stay informed about the latest trends, regulatory changes, and best practices in underwriting.
- Was employee of the year and won numerous underwriting production contests.
Education
Certificate - General Insurance
Insurance Institute of America
Malvern, PAAssociate - Underwriting
Insurance Institute of America
Malvern, PACertified Insurance Counselor - Insurance
Society of Certified Insurance Counselors
Austin, TXProperty And Casualty Insurance License - Insurance License
State of Tennessee
Nashville, TNSkills
- Image Right Management System
- Analyzing data
- Application Review
- Relationship Building
- Policy renewal
- Documentation
- Organizational Skills
- Multitasking
- Quote Preparation
- Time management
- Credit analysis
- Underwriting guidelines
Timeline
MIDDLE MARKET UNDERWRITER
Penn National Insurance
08.2024 - Current
SMALL BUSINESS COMMERCIAL UNDERWRITER
PENN NATIONAL INSURANCE
11.2022 - 07.2024
E & S AND STANDARD LINES UNDERWRITER
BEASLEY GENERAL AGENCY
10.2013 - 11.2022
COMMERCIAL LINES SENIOR UNDERWRITER
AMFED COMPANIES AND COMPANION INSURANCE COMPANY
01.1997 - 10.2013
Certificate - General Insurance
Insurance Institute of America
Associate - Underwriting
Insurance Institute of America
Certified Insurance Counselor - Insurance
Society of Certified Insurance Counselors
Property And Casualty Insurance License - Insurance License
State of Tennessee
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