Manager Insurance
Resume:
Lawrence Johanson
________________________________________________________________________________________________________________________________________________________________________________________________________________ _____
60 East Main St. High Bridge, NJ 08829
908-***-**** *.**@***.***
PROFESSIONAL PROFILE
Extensive industry experience at the agency and company level…..skill in bringing staff together from
diverse backgrounds to achieve corporate goals with high profit margin…..seasoned in underwriting and
marketing at the agency and company level…..developed technical and product knowledge in all facets
of the insurance industry, including risk management, underwriting and new business production.
S K I L L S A N D Q U A L I F I C AT I O N S
Increasing responsibilities in all aspects of Insurance Industry Operations including:
Risk Management Reinsurance Negotiations
Project Management Policies and Procedures
Commercial Lines Underwriting Commercial Insurance Production
Underwriting Audits Commercial Account Marketing
Training and Development Development/Evaluation Insurance Products
Fluent Microsoft Word and Excel Fluent in Agency Management System (AMS)
CAREER EXPERIENCE
2004 to 2009 Hagedorn & Company, New York, NY
Director
• Managed middle market commercial accounts in the $100,000 to $2,000,000 premium range
• Clients included financial institutions, manufacturers, energy distributors, health care agencies, public
entities, real estate, contractors, transportation and warehousing
• Conducted renewal and new business marketing, developing applications, coverage specifications,
loss summaries and claims analysis
• Negotiated insurance contract terms with underwriters including non-profit D&O program
• Provided contract analysis and risk management consulting services for construction projects
2003 to 2004 Tanenbaum Harber Co., Inc., New York, NY
Senior Account Executive
• Managed middle market commercial accounts in the $50,000 to $1,000,000 premium range
• Clients included real estate managers, hotels, manufacturers, contractors and distributors
• Conducted renewal marketing including applications, specifications, loss summaries and analysis.
• Negotiated insurance contract terms and conditions with underwriters
2001 to 2003 Frenkel & Co., Inc., Englewood Cliffs, NJ
Senior Account Executive
• Managed middle market commercial accounts in the $50,000 to $500,000 premium range.
• Clients included real estate managers, manufacturers, contractors and distributors.
• Coordinated marketing, loss control and claims services to achieve account retention
• Negotiated insurance contract terms and conditions with underwriters
• Utilized integrated Delphi e-Global, Fortis Imaging, Word and Excel computer systems
1992 to 2001 Groendyke Associates, Califon, NJ
Commercial Lines Producer / Technical Manager
• Produced broad-based commercial accounts, specializing in public entities
• Coordinated production and marketing with staff to achieve company objectives.
• Negotiated insurance contract terms and conditions with underwriters
• Negotiated with claims adjusters to achieve equitable settlement for insurers and clients
• Appointed Risk Management Consultant for several municipalities and sewerage authorities
• Produced and maintained a $1.2 million premium volume commercial lines book of business
• Achieved account retention in excess of 90%
1989 to 1992 Tribus / Lee / Wespar /Maben, Wayne, NJ
Manager
• Produced, marketed, and serviced commercial accounts to $1.3 million premium.
• Researched, recommended and implemented agency automation system.
• Designed, negotiated and marketed automated policy writing system as Managing General Agent.
• Recruited as Manager for newly formed agency. Hired and trained service staff
• Provided technical, marketing and production expertise to owners
• Negotiated insurance contracts for large, difficult-to-place accounts, specializing in
manufacturers, financial institutions, and real estate development companies
• Negotiated lease of new office and coordinated move while maintaining client service
• Responsible for receivables, payables, and account current statements
• Developed cooperative marketing strategies with other revenue producing departments
• Provided technical advice to staff producers
1986 to 1989 American Reliance Insurance Co., Lawrenceville, NJ
Corporate Property Underwriting Manager
• Directed overall property underwriting for rapidly growing insurer
• Successfully reduced expenses, increased account size while increasing profits
• Managed policy conversion to new simplified format required by ISO within 90 days
• Wrote proprietary simplified inland marine endorsements for Commercial Package policies
• Developed rates, underwriting guidelines and special coverage forms for target programs
• Negotiated Boiler and Machinery reinsurance treaty and coordinated product implementation
• Performed statistical windstorm exposure research, consulted with experts on historic weather
patterns, changed corporate guidelines and conducted catastrophe underwriting workshops.
• Authored personal and commercial lines underwriting manuals introducing new guidelines and
procedures
• Implemented large loss reporting procedure to monitor underwriting
• Instituted underwriting audit procedures for personal and commercial lines
• Identified unprofitable lines of business and acted to automate, modify, or eliminate.
• Re-negotiated complex property reinsurance treaties so that risk allocation could be accomplished at
the underwriting level resulting in elimination of company reinsurance department
• Organized company orientation programs for new employees
• Conducted personal and commercial lines training programs for underwriters
1977 to 1986 Atlantic Mutual Insurance Co., Madison, NJ
Commercial Underwriting Supervisor
• Increased average account size from $2,500 to $9,500.
• Interviewed, trained, and supervised underwriting staff
• Consistently met growth and profitability goals
• Initiated and conducted weekly underwriting strategy meetings
• Conducted field market operations and agency field calls to generate additional submissions
• Rehabilitated or eliminated unprofitable agents
• Targeted and improved relations with superior agents
• Researched, interviewed, and instituted new agency appointments
• Posted consistent growth and profitability each year with a loss ration of less than 45%
• Selected, priced and marketed accounts with premium volume to $500,000
• Coordinated efforts between underwriting, loss control and claims to achieve a profitable book of
business.
D E G R E E S, L I C E N S E S & D E S I G N AT I O N S
Chartered Property & Casualty Underwriter (CPCU)
Associate in Risk Management (ARM)
Associate in Underwriting (AU)
New Jersey Property, Casualty, Health and Life Insurance Producer License
Bachelor of Science, Mathematics, Upsala College, East Orange, NJ
Pursuing IIA Enterprise Risk Management Certification
Pursuing Computer Programmer Certification
C O M M U N I T Y A ND P R O F E S S I O N A L S E RV I C E
Elected and served as Councilman for Borough of High Bridge, NJ
Served on High Bridge Board of Adjustment
Instructor CPCU courses and served on College Business Education Advisory Board
Executive Officer, Independent Insurance Agents of Hunterdon/Warren County
Public speaking experience including marketing presentations, educational seminars
and insurance coverage workshops
Veteran-United States Army, Computer Programmer
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