Luis M Higgins

***** ****** **** ** **** TX *****

713-***-****

acyj5r@r.postjobfree.com

Successful insurance professional with over 27 years of international commercial insurance experience in the fields of claims, risk management and broking; in North and South America, Asia, Africa and Europe. Experience has allowed exposure to many cultures and methods of doing business enabling recognition of situations and resulting in the successful conclusion of many complex and high level negotiations. Accustomed to working to tight deadlines and worked with high ranking in both industry and government officials to design and implement complex solutions. Strong command of languages and understanding of different cultures has assisted in not shying away from putting forward new and or initially unattractive concepts with a lot of success.

Objective: Leverage more than twenty 25 years of successful, progressive responsibilities within the insurance sector utilizing management, negotiating and team-building skills into a position in claims in Texas.

CORE COMPETENCIES

Contract Negotiation

Project Management

Sales

Spanish

Financial Analysis

Risk Analysis

Team Leader & Player

Strategic Planning

National Incident Management System

HIGHLIGHTS OF ACHIEVEMENTS

ASSESSED and DESIGNED an alternative program with a wide scope of coverage for First Group’s $300M commercial liability program. Result: Instead of facing a $2M premium increase improved coverage and saved $5M annually.

CREATED and NEGOTIATED an entirely new panel of insurers involving Lloyd’s members and General Insurers for the UK Rail Industry in 2005.

NEGOTIATED the integration of six different major Property & Casualty programs in six different countries into one international program. Result: Initial premium savings for Stagecoach Group of $4M and $10M in savings over four years.

EVALUATED and REVISED NJ Transit’s internal Third Party Claims handling policies and procedures. Result: An increased level of efficiency and communication, more accurate reserving and better settlement opportunities.

PURSUED and NEGOTIATED the purchase of an OCIP program for the Trans Hudson Rail Tunnels project which had a total premium spend of $161M over the 12 year project duration. This OCIP was the largest ever in the USA. Due to the termination of the project, SUCCESSFULLY NEGOTIATED a total premium refund of $145M.

DEVELOPED an "in-house" third party claims handling capability for Auto & Casualty claims in several different countries for Stagecoach Group. Result: All became self sufficient Profit Centers with an aggregate net profit of more than $10M annually.

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Luis Higgins, Continued

Professional Experience:

Houston International Insurance Group, Houston Texas

JAN 2016 – AUG Present

Senior Vice President, Claims Department TPA Supervision

Day to day supervision of the Third Party Administrators handling and the litigation management of WC, GL, AL claims in all States that HIIG has books of business in the Oil & Gas (Onshore), Trucking, Pest Control, Mining, Construction and Crane & Rigging industries.

Directly oversee cases in excess of $100,000 including the litigation management and oversight over the attorney’s involved.

Supervise 4 direct report Claims Directors and their case loads who have day to day contact with the TPA’s.

Provide authority up to $1MM in conjunction with my counterpart who overseas the internally handled claims.

Liaise with Reinsurers providing them with requisite information they require on a quarterly basis.

Liaise with Reinsurers when they need to perform audits of the claims in their portfolios.

Oversee regular audits of the TPA’s claims handling.

Special projects for the CEO

Houston International Insurance Group, Houston Texas

JAN 2014 – JAN 2016

Vice President, Claims Audit Department

Audit of Third Party Administrators handling and the litigation management of WC, GL, AL claims in all States that HIIG has books of business in the Oil & Gas (Onshore), Trucking, Pest Control, Mining, Construction and Crane & Rigging industries.

Directly oversaw WC and Non Subscription cases including the litigation management and oversight over the attorney’s involved.

Supervised 2 direct report Claims Directors and their case loads who have day to day contact with the TPA’s.

Oversaw 3 books of runoff business for California WC and New York AL.

Provided authority up to $1MM in conjunction with my counterpart who overseas the internally handled claims.

Liaised with Reinsurers providing them with requisite information they require on a quarterly basis.

Liaised with Reinsurers when they need to perform audits of the claims in their portfolios.

Oversaw regular audits of the TPA’s claims handling.

Special projects for the CEO

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Luis M Higgins, Continued

New Jersey Transit Corporation, Newark, New Jersey

SEPT 2009 – JAN 2014

Senior Director, Risk Management & Claims Administration

Procurement and program design of all corporate insurance coverage purchased in London, New York & Bermuda.

Director and Vice President of New Jersey Transit Corporation’s Insurance Captive, ARH III.

Oversight of $275M property claim resulting from Super Storm Sandy.

Coordinated with FEMA after Hurricane Irene.

Oversight of property claim resulting from Hurricane Irene

Claims Management of approximately 5,000 third party Auto, Liability, FELA, WC claims made against NJ Transit Corporation annually.

Liaison with the NJ Transit Board and the NJ State Transportation Commissioner on all insurance and claims matters as and when required.

Liaison with the NJ State Attorney General’s office on all litigation matters.

Procurement and structure of OCIP’s for construction projects across NJ Transit’s State transportation network.

Manage 100 employees who handle, third party liability, Auto, FELA, EEOC and WC claims in house or on behalf of NJ Transit Corporation.

Petrotex Global LLC, Katy, Texas

JAN 2006 – SEPT 2009

Partner

Procurement and Sales of equipment and materials for the Energy, petrochemical and construction industries.

Account Management for clients in Brazil, Ecuador, Peru and Kuwait.

Personal and medium commercial Life, Health & Medical insurance sales and customer service.

Property and Casualty commercial and personal sales and customer service.

Advised clients on Insurance requirements for US and international projects.

Insurance and claims consulting for International Petrochemical and Oil exploration/production companies.

Jardine Lloyd Thompson, London, UK

OCT 2003- JAN 2006

National Transport Director (Broker and Account executive to major clients)

Claims negotiation for property and casualty.

In charge of department which serviced international transport related clients on a daily basis with annual revenue in excess of $5 billion

Insurance program design & placement of multi million dollar insurance programs.

Creation, negotiation of major tailor made reinsurance programs.

Meet daily demands and requests of clients such as contract analysis, additional coverage requests, risk analysis, claims, monitoring and reporting

Liaison with the clients’ Risk Managers

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Luis M Higgins, Continued

Coach USA (Stagecoach Group), Houston, Texas

MAY 2000- OCT 2003

VP Insurance & Risk Management (additional role added to previous)

In charge of US insurance programs placement, claims in excess of $50,000 and up to $5,000,000 in uninsured losses

Responsible for risk and claims management of all US operations and insurance issues related to acquisition targets

Monitor risks and claims involving Board of Directors liaison

Stagecoach Group, Perth, Scotland

DEC 1993- OCT 2003

Group Insurance Manager

In charge of worldwide insurance program and related claims spanning USA, Canada, Hong Kong, UK, Portugal, Sweden, Finland, Malawi, Kenya, New Zealand and Australia

Responsible for insurance purchase, program design, negotiation and implementation

Monitored property and casualty claims, high level negotiations and settlements

Created and grew in house claims management in UK, Kenya, Malawi, Hong Kong & Portugal, with oversight over 2 TPA’s in USA.

Commercial Union Overseas, London, UK

NOV 1988- DEC1993

Casualty, Property & Marine Underwriter

As and underwriter in the Overseas Division of Commercial Union Assurance I was responsible for underwriting major industrial, commercial and Homeowners and Auto in USA and Caribbean risks.

Posted to Quito Ecuador Branch for 12 months as Development Manager tasked with growing market presence. Increased the branch’s underwriting portfolio by winning major Petrochemical and oil refining risks along with a large segment of the Homeowners, Auto and Industrial risks in the country.

EDUCATION

B.A. Honors – Spanish; University of London, United Kingdom

GLA License for State of Texas – Life, Accident, Health & HMO and Property and Casualty

FEMA Qualifications:

Jurisdictional Crisis Incident Management (TEEX)

Senior Officials Workshop for All-Hazards Preparedness (TEEX)

Introduction to Incident Command (ICS-100)

ICS for Single Resources & Initial Action (ICS-200)

Incident Command (ICS-300)

National Incident Command System (ICS-700)

National Response Plan (ICS-800)

Advanced Incident Command (ICS-400)

NIMS Multiagency Coordination System (IS00701.a)

Proactive Terrorist Recognition, Interdiction & Observation Tactics System

National Response Framework, An Introduction (IS00800.b)

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