Michael P Sanzo, AINS, CLCS

*** ****** ****** **********, ** 06790 acyhr1@r.postjobfree.com 727-***-****(cell)

Summary of Qualifications

•13 years in Property & Casualty lines with focus in underwriting and marketing

•FL resident P&C 2-20 and L&AH 2-15 licensed (In Process of changing to CT resident License)

•Management experience from small groups to over 60 agents

•Highly Proficient with systems like Guidewire, Tropics, Sharepoint, MS Office Products, and several agent platforms like AMS360 and raters such as EasyLynx

•Extensive accomplishments in developing and executing multi-level marketing campaigns

•Excellent Verbal and written communication skills

•Goal oriented, team playing and results driven

•Associates of Science Degree in Business Administration

•Currently enrolled in Bachelors program for Management and Organizational Leadership with a minor in Marketing (4th year)

•Associate in General Insurance

•Commercial Lines Coverage Specialist

Relevant Experience

Managed teams of 60 plus agents and full Lines agency’s P&C department

Analyzed Agency’s and Company’s needs to generate a quality book of business that met everyone’s needs and was responsible and lucrative

Earned numerous achievements and bonuses for achieving record goals in production and sales

Maintained new sales and renewal book of business on a consistent basis

Trained and educated employees, agents, new clients and their staff on software and guidelines

Worked independently and remotely

Work History

08/15 to 5/16 Citizens Property Insurance Corporation

Commercial Lines Underwriter - Analyze new and existing commercial lines business to evaluate degree of risk and potential exposure recommends acceptance, rejection or modification of coverage for commercial residential multi-peril and wind only as well as commercial non-residential multi-peril and wind only risks according to guidelines as provided under state statute and in compliance with current legislation.

Call center environment to handle agent’s calls for system navigation, tutorials and technical issues as well as billing and payments. Lastly for underwriting questions and concerns.

02/15 to 3/15 MCIM – Commercial Underwriter

Commercial Lines Underwriter - Analyze new and renewal commercial book of business to evaluate degree of risk and potential exposure recommending acceptance, rejection or modification of coverage and appropriate premiums according to guidelines as provided under company policies and in compliance with current legislation, NCCI's scopes descriptions.

Evaluate complex workman’s compensation accounts and determine amount of risk and potential exposure to the company and apply equitable premiums debits, credits, dividends or consent to rate plans.

03/13 to 2/15 Mercury Insurance – Commercial Underwriter

Commercial Lines Underwriter - Analyze new and existing commercial lines business to evaluate degree of risk and potential exposure recommends acceptance, rejection or modification of coverage and recommends appropriate premiums according to guidelines as provided under company policies and in compliance with current legislation.

Evaluate complex commercial lines fleets and determine amount of risk and potential exposure to the company and apply equitable premiums debits or credits.

Developed proposal to create and implemented a department wide set of guidelines and user SharePoint for commercial underwriters to have a central location for underwriting procedures.

Assist in the development and education of agents in the Mercury Commercial product, and software for growth and partnership with Mercury.

Personal Lines Underwriter - Analyze new and existing personal lines business to evaluate degree of risk and potential exposure, recommends acceptance, rejection or modification of coverage and recommends appropriate premiums according to guidelines as provided under company policies and in compliance with current legislation.

Assist in the development and education of agents in the Mercury Personal product, and software for growth and partnership with Mercury. – Promoted to Commercial lines

07/10 – 1/12 Direct General Insurance – Office Agent Manager – St Petersburg, FL

Office Sales Manager – Manager of retail sales office, overall performance of office sales goals, agent’s goals and bottom line results. Tasked heading up Pinellas & Hillsborough County Marketing and a team of 15 managers to lead campaign for 2011 promotions and tracking results.

Sales Agent – Sales of new auto and life polices in retail store. Marketing efforts included affinity, guerrilla and network marking strategies. Developed relationships with local radio station and attended Farmers markets, festivals, parades and concerts to develop new business. – Promoted to Office Sales Manager

12/08 – 6/10 Cambridge Insurance - Commercial Dept. Manager – Tampa, FL

Commercial Lines Dept. Manager – Oversaw Commercial Department, generation of new business, renewals, Commercial Sales & Account Executives, marketing of commercial lines for agency, internet marketing and viral marketing and recruiting of new agents. Average account size 20k with largest 200k.

Commercial Account Executive – Customer service for existing commercial accounts. Certificates, Evidence of Property, Changes and Renewals for existing clients. Average account size 20k with largest 200k. – Promoted to Commercial Lines Dept. Manager

07/08 – 10/08 Atlantic Specialty Lines - Underwriter Assistant – Clearwater, FL

Underwriter Assistant – Underwrote risks in house and through carriers for commercial and personal lines clients securing coverage in E&S markets for new and renewal accounts. Companies such as Lloyds of London, Colony, Scottsdale, Markel, Essex, Max Specialty & USLI. Concentration in high value and high-risk areas, with and without wind coverage and those with losses. Heavy phone and email volume with clients, companies, and other brokers. 70% closure rate for risks quoted.

04/06 – 01/08 Stone Insurance Agency – Sales & Account Executive – Meriden, CT

Account Executive – Underwrote risks for Commercial and Personal lines clients securing coverage in standard (70%) and E&S (30%) markets for new and renewal accounts. Heavy phone volume with clients, companies, and brokers. New business leads secured by cold calling, X-dating, marketing, and outside lead generation. Average account size 40k with largest 600k.

06/04 – 04/06 Founders Insurance Group – Commercial Account Executive – Torrington, CT

Commercial Lines Account Executive - Cold calling, X-dating, marketing, and outside lead generation, underwriting, as well as application preparation.

Directly secured markets for accounts thru standard (60 %) and E&S (40%) markets. Average account size 10k largest 50k.

Personal Lines Account Executive – Executive Personal Lines Sales Producer for Multiple offices. Underwrote risks for walk-in and phone-in clients, dealt directly with company reps and underwriter teams, marketing materials, account rounding, and cross selling other lines offered by the agency. – Promoted to Commercial Lines Account Executive

02/02 – 04/04 Hartford Financial Services Group Inc. - Project Manager – Southington, CT

Managing Project Underwriter – Managed team of 60 agents and underwrote personal lines new business for a pilot program for 6 months.

Sales Coach – Training and development of new agents. – Promoted to Managing Project Underwriter

Sales Agent – Took inbound sales calls for the AARP Call Center. - Promoted to Sales Coach

Education

Associates of Science Degree in Business Administration, Albertus Magnus 2013.

Current 4th year student in Bachelors program for Management and Organizational Leadership with minor in Marketing

Associate in General Insurance (AINS)

Commercial Lines Coverage Specialist (CLCS)

Hartford Commercial Lines School of Insurance.

The Hartford's Achievement of Excellence 2002. (Sales, Training & Development)

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