Commercial Lines Personal
Resume:
Kenneth LaBonte
Franklin, TN 37064
(Cell) 615-***-****
*********@*******.***
Professional Profile
Knowledge of insurance underwriting, marketing, and management, with a proven track record of profitability and positive loss ratios
Professional Experience
Chubb Insurance Company, Franklin, TN 2022 - 2022
Commercial Lines Underwriter ( Contract Basis)
Multi Line Underwriter (remote)
Underwrote all lines of Commercial Business on a contract basis for 8 months
I underwrote all lines of Commercial Lines Business
A2Z Insurance, Inc. Franklin, TN 2016 - 2020
Licensed Sales Producer / Commercial / Personal Lines Account Manager
Sell, Underwrite, and Produce Commercial and Personal Lines business for the state of Tennessee and Kentucky
Conduct all Commercial and Personal Lines Account Management procedures in the territory
Maintaining a 42% overall loss ratio
Had the pen to issue the policies in my office
I wrote contractors, retail, and a wide range of other business
The book of business is $2,000,000
Penn National Insurance, Nashville, TN 2014 - 2016
Commercial Lines Underwriter
Multi Line Field Underwriter (Property, GL, Commercial Auto, WC, IM) for TN and AL
Underwrite all lines of Commercial Business
Maintained a 48% loss ratio
The book of business I underwrote was $9,000,000
I underwrote Contractors, Light Mfg., Retail, Restaurants, C Stores
Appalachian Underwriters, Inc., Murfreesboro, TN 2013-2014 Marketing Representative, Field Underwriter, state of TN, AR, MS
Servicing and visiting the agents on a regular basis
Help them with any underwriting or technical needs they may have to write all lines of commercial and personal lines (Personal Auto) business
I had the underwriting authority in the field
Help retain all renewals as can be retained
Murfreesboro office was closed and relocated to corporate HQ in Oak Ridge, TN.
NetComp Ins. Corp., Nashville, TN 2010-2013
Marketing Representative, state of TN
Appoint new agents across the state to write Workers Compensation and other commercial lines business
Visit agents on a regular basis after their appointment assisting them with any underwriting or technical needs
AmComp/Employers, Nashville, TN 2004-2010
Workers Comp Field Underwriter
Served as field underwriter (Workers Comp)for Middle and West Tennessee; handled a total of 25 agencies across this territory.
Reviewed applications and analyzed risk factors in accordance with company guidelines, maintaining integrity and profitability of business
Responsible for underwriting errors being reduced from 70% of the files to 20% of the files by re-underwriting the book of business that was currently written.
Achieved overall 20% loss ratio on a $3,000,000 book of business
Kentucky National Insurance Co., Nashville, TN 2003-2003
Marketing Manager for TN/KY
Responsible for the state of Tennessee and Kentucky, writing all lines of commercial business (Property, GL, Commercial Auto, WC, IM) for agencies across those states; a total of 35 agencies. The company was taken over by the Insurance department of Kentucky.
Responsible for commercial lines (Property, GL, Commercial Auto, WC, IM) and personal lines (Personal Auto, Homeowners) production in the state of Tennessee and Kentucky.
Reviewed applications and analyzed risk factors in accordance with company underwriting guidelines, maintaining integrity and profitability of business relationships with my agencies
Achieved a 40% loss ratio on the area’s book of business
Reliant American Insurance Co., Lebanon, TN 2002-2003
Sr. Corporate Underwriter
Served as home office underwriter in an MGA’s office in Lebanon, TN, responsible for commercial lines (Property, GL, Commercial Auto, WC, IM) production in the state of Tennessee. The company was taken over by the Insurance department of Texas.
Managed the growth of a $3.5 million of commercial business in a one-year period, while reducing underwriting errors 25% on the current files from a re-underwriting process.
Achieved a 47% loss ratio
CompFirst, LLC, Nashville, TN 1999-2002
Workers Comp Underwriter / Manager
Served as Field Underwriter for Middle and West Tennessee, overseeing a total of 40 agencies; also managed our Venice, FL office. Company was taken over by the Insurance department of Pennsylvania.
Reviewed applications and analyzed risk factors in accordance with company underwriting guidelines, maintaining integrity and profitability of business relationships with my agencies
Underwrote over $13 million of Workers Comp business within a three year period, maintaining a 42% loss ratio
Managed a profitable branch office in Venice, FL.
Campbell Ins. Agency, Franklin, TN 1997-1999
Independent Agent
Served as an independent agent writing Personal Lines insurance (Personal Auto, Homeowners) and BOP policies for the agency
Total volume of business was $2,000,000
Maintained a 52% loss ratio on my book of business
Penco Insurance Company, Nashville, TN 1996-1997
Served as the lead Managing Underwriter for a special insurance program (National Truck Equipment) across the United States
Directed and managed the nationwide program which exceeded $6.5 million in premiums
Developed the program within company guidelines, as well as profitability
Midland Risk Insurance Company, Nashville, TN 1991-1996
Commercial Lines Manager / Underwriter
Underwrote all lines of commercial business (Property, GL, Commercial Auto, WC, IM)for agents across the state of Tennessee, and also managed three other underwriters in our Memphis office
Maintained an overall loss ratio of 45% on $4 million of commercial business
Continental Insurance / Royal Ins. Co., Nashville, TN 1986-1991
Commercial Multi Line Underwriter and Trainer
Underwrote all lines of commercial insurance (Property, GL, Commercial Auto, WC, IM) across the state of Tennessee and also made agency visits on a regular basis
Was trained as a Commercial Multi Line Underwriter at Continental Insurance
Designed, produced and underwrote commercial lines insurance programs to meet agencies client requirements at Continental and Royal
Continued maintenance of special client accounts ranging up to $500,000 in annual premiums at Continental and Royal
Trained three underwriters at Continental
Education
Williamson Christian College / Business Administration
Strassford University / Bachelor of Business Administration
Several parts (three parts) of CPCU and CIC (two parts) taken
Licensed TN P & C Agent
Knowledge of Microsoft Excel, Microsoft Access, Power Point
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