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Work Background
Central Texas Independent Insurance AgencyAgent / Broker
Mar. 2025Texas, United StatesServicing, managing, marketing, and placing commercial insurance for various types of businesses. Providing risk management strategies, coverage guidance, and competitive pricing.
Germer Insurance ServicesCommercial Insurance Underwriter / Account Manager
Jul. 2024 - Mar. 2025Lockhart, TXManages a comprehensive portfolio of commercial property and casualty insurance policies according to businesses in Central Texas. Provides expert risk management consultation, focusing on industries such as contractors, utilities, new ventures, and older properties, ensuring adequate coverage and compliance. Advises on Cyber Liability, Employment Practices Liability Insurance (EPLI), Excess Liability, and contractual relationships, leveraging in-depth industry knowledge to address unique client needs. • Achieved business insurance targets by facilitating smooth client transitions from previous agency to Germer Insurance.
Angela SmuckerBUSINESS CONSULTANT, EXPERT WITNESS
Mar. 2023Austin, Texas Metropolitan AreaDelivers expert witness testimony in legal disputes involving complex insurance matters, including agency relationships, coverage disputes, liability assessment, malpractice, standard of care, and negligence. Offers professional consultancy services in entrepreneurship, leveraging extensive industry knowledge to guide businesses in strategic decision-making and risk mitigation. • Recognized as a business consultant and expert mediator for proactively resolving workplace, community, business, and neighborhood disputes, employing conflict resolution strategies to achieve mutually beneficial outcomes. Business Consultant: entrepreneurship Mediator: business, community, neighbors, workplace.
USAA INSURANCE AGENCY, INC.Account Manager
Mar. 2021 - Mar. 2023Texas, United StatesStreamlined field underwriting operations for clients, servicing over 550 businesses, including long-haul truckers, contractors, consultants, and institutional property owners. Analyzed and managed complex Excess and Surplus risks, such as aging habitational properties, commercial condominiums, manufacturing facilities, and vacant properties, while adhering to carrier guidelines. Delivered clear explanations of intricate insurance concepts like claims-made liability versus occurrence, utilizing technical writing and educational strategies. Devised risk management strategies, placing small business applicants with suitable carriers and offering guidance on Commercial General Liability, Cyber Liability, Business Auto Insurance, and Surety Bonds. • Cultivated long-term professional relationships with underwriters from major carriers, such as The Hartford, Liberty Mutual, Travelers, CNA, and RLI, ensuring alignment with evolving market appetites and regulatory frameworks. • Maintained compliance with risk management policies and delivered new solutions to meet client needs across 50 states.
Central Texas Independent Insurance Agency Insurance Broker
Jan. 2011 - Mar. 2021United StatesDeveloped and managed a robust $2.53M commercial insurance portfolio, focusing on property and casualty risks throughout Central Texas. Implemented innovative marketing strategies, including digital campaigns, mailing lists, and cold calling, to effectively promote commercial lines such as Cyber Liability, Management Liability, and Workers’ Compensation. Partnered with both Admitted and Non-Admitted Carriers to deliver a comprehensive suite of insurance products to address diverse client requirements. Delivered exceptional customer communication and financial guidance, including claims education, policy customization, and sales target optimization. • Launched a small independent agency, generating $1.35M in commercial property and casualty business through client-centric service and strategic placement approaches.
• Navigated multiple operating systems to analyze and recommend appropriate coverage options, increasing upselling opportunities and client satisfaction.
Texas Mutual Insurance CoUnderwriter II
Jun. 2010 - Dec. 2010Austin, Texas, United StatesTrained and mentored four new underwriters on industry-specific classifications and experience modifications, ensuring a high level of accuracy and compliance. Conducted detailed risk assessments, balancing financial reviews, loss mitigation, and legal compliance to approve coverage within authority levels. Analyzed applications, reports, and coverage requests to determine risk acceptability, adhering to departmental and regulatory guidelines. • Assessed and underwrote complex Workers' Compensation insurance policies with annual premiums up to $500,000 for a portfolio of 317 agencies and $3.75M in total book value.
• Negotiated pricing and coverage terms with agents, delivering tailored solutions while ensuring alignment with company policies and state laws.
Smucker Insurance Services LLCOwner / Broker
Nov. 1997 - Jun. 2010Wisconsin, United StatesLaunched and expanded a small independent insurance firm with a book of business: $3,500,000 investments, $100,000 personal insurance, and $1,500,000 commercial property & casualty insurance premiums. Served as an Insurance Broker, built and maintained business relationships and demonstrated proficiency in business to business as well as business to consumer marketing. Elaborating on this role, I studied several broker appetites and insurance company appetites and underwriting guidelines while functioning as the communication liaison and intermediary between insurance brokers, carriers, and clients to gather information and investigate each client's risk profile, insurance needs, and suitability with carriers. Reviewed and analyzed clients' information to match proper coverage and strive to reduce losses by mitigating risks to improve profits. Participated in insurance company/broker coursework involving: building valuations, business income coverages, coinsurance, occurrence liability vs claims-made liability, boiler & machinery, crime coverages, umbrellas, excess liability, workers compensation, business automobile, inland marine, and nonstandard risks, etc. Joined, participated actively, served through various chairmanships, and ultimately served as President of a local insurance agent professional association (NAIFA.ORG). My services included public speaking, educational programming, community service, newsletter, and association programs. The organization existed for 60+ years and I was the first President to serve two terms.
C R B Insurance AgencyCommercial Marketing Specialist
Apr. 1984 - Jun. 1989Racine, WisconsinCreated agency-wide commercial lines marketing program. Added 57 prospects to CRM. Trained 5 bank employees on commercial lines insurance. Served as an account manager for small, mid-market, and large commercial risks.
Kemper Commercial Insurance CompanySenior Commercial Lines Underwriter
Jan. 1977 - Dec. 1984Chicago, Illinois• Underwrote Chicago area businesses for all commercial lines of insurance, including commercial property, inland marine, general liability, automobile, workers compensation, and umbrella policies.
• Trained and mentored 4 new underwriters, enhancing team productivity and knowledge.
• Conducted 9 loss control inspections of various industrial risks, ensuring accurate risk assessment and mitigation.
• Completed eight (8) on-site underwriting courses to stay updated on industry trends and best practices.
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