Location: Tennessee, Metro, home-based
This position will work remote from home in the state of
Tennessee and primarily with agents in this state. The ideal home
location will be Middle Tennessee, including the Greater Nashville
Metro area. This role will underwrite all Workers Compensation
accounts $50K in written premium and above in this territory and
will report to the Vice President, Business Director of our
The Regional Production Underwriteris the liaison between Encova
and its appointed independent agency force within a defined
geographic area and is responsible for the financial performance of
the book of business within that area. The Regional Production
Underwriter is expected to achieve profitable retention and growth
within the designated territory.
The Regional Production Underwriter, within designated
authority, reviews insurance applications to evaluate, classify and
rate each risk to determine acceptability, coverage and pricing.
The position's objective is to seek out profitable business
opportunities, review risks and determine acceptability. The
position is focused on achieving results that positively impact
sales and profitability.
This position is responsible for identifying, developing and
maintaining agency relationships in order to ensure corporate
growth, retention, and profitability goals are met. The Regional
Production Underwriter works with the appointed agents to provide
agency training and assist agencies with the tools needed to build
their books of business with Encova in order to increase premium
volume and profitability. The Regional Production Underwriter
gathers competitive intelligence, stays abreast of current
insurance laws and regulations, prospects and qualifies new agents
for potential appointment, submits written reports as required, and
attends industry events.
1. Liaison between Encova and its appointed independent agency
2. Develop and maintain agency relationships.
3. Schedule and coordinate all agency visits.
4. Provide agency training and assist agencies with the tools
needed to build agency book of business with Encova in order to
increase premium volume and profitability.
5. Gather competitive intelligence.
6. Stay abreast of current insurance laws and regulations.
7. Prospect and qualify new agents for potential
8. Submit written reports as required.
9. Attend industry events.
10. Determine the acceptability, quality, pricing, profitability
and opportunity for new and existing business.
11. Complete thorough risk analysis on designated accounts using
appropriate Encova, NCCI, and industry rules, policies, procedures,
12. Identify, create and initiate new business opportunities
within assigned book of business.
13. Gather and analyze information necessary to make an accurate
evaluation of risk.
14. Determine appropriate pricing based on risk exposures, risk
quality, loss potential and coverage provided.
15. Utilize available resources including company underwriting
guidelines, business unit strategies, and consultation with others
to ensure adequate understanding of risk exposures.
16. Prepare and participate in proposals to producers. Negotiate
terms and conditions.
17. Ensure the proper issuance of policies, certificates,
filings and notifications.
18. Effectively utilize NCCI rules and guidance to ensure proper
19. Seek the guidance of management on risks exceeding assigned
20. Identify underwriting issues; recommend and develop plans
for problem resolution and implement where appropriate.
21. Manage existing and prospective accounts by actively
participating in account renewals, new business presentations and
discussion with agents.
22. Participate in monitoring and analyzing performance of
assigned agents; initiate actions and recognize consequences of
23. Account management including coordination of service
delivery of various disciplines within the team: claim review,
safety and loss services, customized reporting, etc.
1. Non-essential function: other duties as assigned.
KNOWLEDGE, SKILLS AND ABILITIES:
Bachelor's degree from an accredited four-year college or
university; Minimum of five years' successful sales experience in
the Property & Casualty insurance market working in an independent
agency or agency management experience for an insurance company
Minimum of five years' successful workers compensation underwriting
Demonstrated significant underwriting experience may substitute for
Preference may be shown for applicants with CPCU and/or ARM
Excellent communication, organization and presentation skills.
Demonstrated strong writing skills with an emphasis on
Demonstrated knowledge and experience of the insurance
Ability to be creative and entrepreneurial in the approach to sales
and marketing initiatives.
Ability to effectively manage multiple priorities, demanding
workload, and tight timelines while meeting established
High-level interpersonal, communication, analytical, and
Critical thinking: Ability to assess an individual situation and
select applicable rules from an array of options, resulting in the
most appropriate and sustainable decision.
Thorough knowledge of laws and rules and their application for the
Thorough working knowledge of policy and procedures regarding risk
administration and risk management; underwriting and loss
Thorough knowledge of the insurance industry and the business
environment in which it operates in order to develop an effective
business strategy and remain technically current.
Thorough understanding of business exposure calculations,
classifications, experience rating or other plan modifications.
Ability to develop and implement account, territorial, producer and
book strategies to acquire and retain business.
Ability to work collaboratively and effectively in a team
Ability to initiate, build and maintain effective working
relationships and tailor services to meet customer needs.
Ability to use sound logic and decision-making skills to identify
complex problems, analyze alternatives, then develop and implement
Ability to effectively plan and lead meetings: ensure an agenda is
created, appropriate materials are ready in advance, the meeting
stays on task, the client's issues are addressed, and follow-up
action plans are noted.
Ability to present ideas and information to individuals and groups
in a clear, concise, influential, organized and diplomatic manner
and address concerns or needs.
Proficient in electronic mail system; use of intranet and internet;
Microsoft Office products including Excel, Word, PowerPoint Ability
to safely operate a motor vehicle.
Must hold a valid driver's license.
This position has been evaluated in accordance with the
Americans with Disabilities Act. Encova Insurance makes every
effort to reasonably accommodate disabilities to permit performance
of the essential functions and candidates who need such
accommodation are encouraged to seek it. This description reflects
the nature and level of work performed by associates in this
position. It is not an all-inclusive inventory of duties,
responsibilities and qualifications required. It provides an
accurate overview of the work and skills needed to perform this
position. Because job content may change from time to time, Encova
Insurance reserves the right to add and/or delete functions from
this job as it deems necessary for business reasons.
Ready to join our team?At Encova Insurance, we firmly believe
that our associates drive our company's success by delivering
unrivaled service to our customers. With success in mind, we make
an ongoing effort to provide an environment that offers
challenging, stimulating and financially rewarding
opportunities.Join us to discover a work experience where your
diverse ideas will be met with enthusiasm - where you can learn and
grow to your fullest potential.
What you can expect from usJoin our family of industry leaders,
and let us reward you with a competitive salary, bonus and benefits
package that includes but is not limited to: a 401(k), wellness
programs, bonus incentive plans and flexible schedules, with an
early close of the office every Friday. Additionally, Encova
aspires to be an outstanding corporate citizen in all the markets
we serve; we encourage and support associate participation in
community initiatives through our foundations.Encova Insurance is
an EOE/E-Verify employer.