Real Estate A Part-Time
Resume:
aida cruz
**** ***** ****** **** **, #***, Las Vegas, Nevada 89102
**********@*****.***
Career Summary
I have worked on the brokerage side for 30 years on numerous types of property/casualty insurance with a variety of risks such as real estate, casinos, manufacturing, colleges, non-profit organizations, contractors, retail, restaurants, and others. I have experience marketing new and renewal business with many standard insurance carriers and excess and surplus lines markets. I have worked with the following coverages: auto, property, GL, workers comp, umbrella, D&O, inland marine, crime, EPLI, fiduciary liability. Cyber liability, professional liability. I have also reviewed contracts' insurance requirements for issuance of certificates of insurance; processed/reviewed policies, endorsements and audits for accuracy; invoiced and collected premiums. I am proficient on EPIC, TAM and AMS 360.
Work Experience
TekSystems, Inc. – Three by Berkshire Hathaway Omaha, NE
Licensed Service Representative June 2025-Current
Remote Position - Work in a Call Center environment answering various types of questions on commercial property and casualty accounts revolving around coverages, billing, audits, endorsements, certificates of insurance, policy issuance, cancellations, quotes. Also, provided translation services for Spanish speaking clients. Issued certificates of insurance according to underwriting guidelines and policy coverages, accepted and processed payments and resolved policy transactional issues for a variety of clients such as policy changes to locations, exposures, vehicles, limits, adding and deleting coverages for a plethora of risks.
Arthur J. Gallagher & Co.
Client Service Executive
Glendale, California
November 2022 – January 2024
Worked on global nutrition and large nonprofit accounts with one producer. Also, worked with another producer on medium size commercial accounts that were a variety of risks. Primary responsibilities were marketing renewals, follow up with carriers/clients on info needed for quoting purposes. Preparing submissions for marketing purposes was extensive due to the number of locations on both of these accounts. Extensive communication was done with various brokers throughout the world on the international portion of the global nutritional risk.
Heffernan Insurance Brokers
Account Manager
San Francisco, California
January 2022 - June 2022
Worked on various technology accounts with one producer. Also, worked with another producer on medium size commercial accounts that were a variety of risks. Finally, also worked with a different producer on a very large real estate and hotel account that was located in various states. I was also assigned a couple of house accounts that were smaller. Primary responsibilities were marketing renewals, follow up with carriers/clients on info needed for quoting purposes.
Updating EPIC system to show accurate policy information; updating applications to reflect policy exposures.
Following up with the clients for renewal information that also included renewal applications for D&O/E&O/EPLI/Cyber.
Marketing accounts to various insurance companies that included sending renewal applications, follow up for any additional information, obtain quotes, issuance of binders/invoices, billing and collection of premiums.
Claims intake including preparation of appropriate acord form for loss notice; follow up with carrier for assigned claim number, name/contact information for the claims adjuster; asking client for additional information that was needed by the carrier
Preparation of renewal proposals that included reviewing quotes compared to previous year's policy/premium information, YOY comparison of coverages/exposures/premiums. Send proposal to the client via Indio application.
Binding coverage with the insurance companies and/or wholesalers per quotes provided. Obtaining binders, assigned policy numbers and invoicing. Collecting premiums from the clients for the premiums due.
Assured Partners-Tutton Insurance Services
Account Manager
Santa Ana, California
August 2021 - January 2022
Worked on renewing small commercial accounts, used AMS360 to update applications, policy information, issue endorsements, processed audits, make certain that renewals were issued on a timely basis. Worked with various insurance carriers that included the following: Hartford, CNA, Travelers, Liberty Mutual, direct bill types of accounts.
Make certain renewals were sent out 60 to 90 days prior to expiration
Review policies, endorsements and audits for accuracy
Update Agency Management System (AMS360) to make certain data is correct for the client and policy information.
Lincoln-Leavitt Insurance Agency, Inc.
Commercial Lines Account Manager
Lakeport, California
January 2020 - July 2021
Marketing, Servicing a book of business which includes a variety of risks that range from small to middle markets accounts of the following types: non-profit, wineries, farms/ranches, water districts, contractors, real estate. Responsibilities include placement, policy/endorsement/audit reviews, billing, issuance of certificates (including review of insurance requirements on client contracts, claims, accounting issues, daily servicing answering client inquiries.
Marketing new and renewal business by preparing applications, input of information on various carrier websites, ordering loss runs for marketing purposes, obtaining updated information from clients for renewals. Preparing invoices, automobile ids.
Reviewing client contracts' insurance requirements; issuance of certificates of insurance; ordering additional coverages as needed; invoicing; cancellations; handling accounting issues; claims handling/preparation of loss notices and follow ups.
Technical review of insurance policies, endorsements and audits for accuracy. Obtaining additional information needed by markets for underwriting purposes; follow ups to insurance carriers for binders, invoices at renewal. Review of quotations.
Preparing proposals to present to the client; discussing coverage options with clients; binding coverages with insurance carriers, excess and surplus lines brokers; review of binders/invoices for accuracy.
Capstone Brokerage, Inc.
Account Manager
Las Vegas, Nevada
November 2017 - November 2018
Marketing and servicing new and renewal book of business including submission to markets, binding, negotiation of pricing/coverages, preparation for invoicing, review of policies, endorsements and audits for accuracy; issuance of certificates of insurance, auto id cards, binders; review of insured contracts for insurance requirements to issue certificates; cancellations; reinstatements; follow up on pending items such as policies, audits, endorsements, additional information needed from clients.
Marketing new and renewal business to standard and excess/surplus lines markets
Review of policies, endorsements and audits for accuracy
Issuance of binders, auto id cards, certificates of insurance
Negotiation of Pricing/Coverages with markets
Preparation of applications for submission to the markets
Preparation of insurance proposals and summaries of insurance
Obtaining information from the clients in order to market their renewals
Obtaining additional underwriting information requested by the markets from the clients
Arthur J. Gallagher & Co.
Area Vice President/Account Executive
Glendale, California
August 2011 - November 2017
Marketing/servicing book of business which varied throughout my tenure with AJG. During this time, I worked on the following types of risks: large retail chain of women's accessories with locations nationwide; large pizza chain-franchisee in Southern and Northern CA; two casinos; two organic food manufacturers/grocers.
Preparation of applications for submission to the markets which included sometimes meeting with the clients in person; loss stratification/analysis; creating statement of values with pertinent COPE information
Oversaw issuance of certificates of insurance, auto id cards and binders at renewal as these items were issued by a team in India
Negotiation of pricing, coverages and commission with insurance markets at renewal
Creation of renewal proposal for presentation to the client. I worked with a couple of producers that were less experienced and, at times, had to be the lead person at the renewal presentation
Review of policies, endorsements and audits for accuracy of issuance
Managed a non-profit book of business (while working with Chapman--which, later acquired by Gallagher
GNW Evergreen Insurance Services (now part of HUB International)
Account Manager
Encino, California
June 2010 - June 2011
Marketing/servicing renewals for various Account Manager. I was basically trouble-shooting whenever an Account Manager had a lot of renewals or if they went on vacation.
Preparation of acord applications for submission to the various insurance markets
Preparation of proposals and summaries of insurance
Review of policies, endorsements and audits for accuracy
Assist with preparation of applications and daily client servicing needs
AmWINS Insurance Brokers
Account Manager
Chatsworth, California
June 2009 - June 2010
Working on small commercial accounts with specific carriers such as Travelers, Hartford, CNA for various brokers. I was hired as a Temp and the company let go of the entire department, leaving only two of us to work in the division. The department went from 5 or 6 people to just two. After a few months, they asked me to work in the Pasadena, CA office of SPFM (Specialty Programs and Facilities Managers) which underwrites residential/commercial real estate in AZ, CA, CO, NV, OR, and UT.
Processing/review of policies, endorsements, audits, cancellations. Online rating for workers compensation coverage for various insurance carriers.
Responding to broker questions re: status of quotes, renewals, policies and endorsements
Preparation of quotes/proposals for submission to agents/brokers
Nexo Insurance Services
Account Manager
Manhattan Beach, California
October 2008 - May 2009
Marketing and servicing new and renewal business including fitness, retail, real estate. Specifically, I was hired to help set up a program for a gym that was to have locations throughout the United States. The agency was going to be the managing general agent for the program.
Using the agency management system to prepare acord applications, statement of values, vehicle schedules and other items needed for submission to the insurance markets for quotes.
Responding to daily client inquiries regarding their insurance program.
Handling billing/invoicing issues.
Preparation of new and renewal insurance proposals for client presentation
Issuance of binders, certificates of insurance and auto id cards
Review of policies, endorsements and audits for accuracy and delivery to the clients
Accounting responsibilities for the department, including deposits and issuance of checks for various expenses
Landini & Associates, LTD
Producer/Vice President
Las Vegas, Nevada
July 2007 - April 2008
I was hired as a Producer so I canvassed clients via the telephone, Chambers of Commerce and in-person visits to their office. I had the opportunity to work on a couple of RFP's for Clark County's Excess Workers Compensation Program and the Los Angeles Department of Water and Power. In addition.
Cold-calling clients via telephone, email, letters and in person. Attended Chamber of Commerce meetings and conventions to solicit business.
Preparation of applications and other pertinent items for submission to the markets.
Preparation of Proposals for client presentation.
Preparation of RFP for meetings with prospective clients.
Worked with MAGA (Mexican American Grocers Association) to solicit their insurance
Solicited business from various contractors and real estate businesses
Arthur J. Gallagher & Co.
Area Assistant Vice President
Glendale, California
January 2003 - December 2006
Worked on a very large real estate account which had over 200 properties in Southern CA. This risk took up most of my time as I dealt directly with the Risk Manager on a variety of situations. I also worked on an Aircraft products manufacturer, hair replacement firm and large non-profit organization with a half dozen other risks which were either related to or spin-offs of these accounts.
Managing the relationship with the Risk Managers for the real estate and aircraft products manufacturers. This included quarterly/monthly/weekly and, at times, daily updates on status of various situations and coverage issues
Maintaining a current statement of values for the real estate account which included COPE information, mortgagees/loss payees and premium allocation
Intervening on claims that were particularly important to the clients when necessary
Preparation of proposals, submissions and stewardship reports
Loss stratification and analysis
Handling accounting and billing issues
Review of contracts' insurance requirements for issuance of certificates of insurance
Preparation of applications needed for insurance renewals after meetings w/clients to obtain updated information
Lockton Insurance Brokers
Assistant Vice President
Los Angeles, California
March 2000 - January 2003
Marketing and servicing new and renewal book of business which included a variety of risks including a couple of real estate accounts that had Spanish speaking owners.
Review of policies, endorsements and audits for accuracy
Preparation of applications for submission to the insurance carriers
Preparation of insurance summaries and proposals for the client
Worked on Professional Standards Committee
During my tenure with Lockton, I had an opportunity to work on a civilian independent review panel which investigated the procedures of the Los Angeles Police Department for which I received a certificate of commendation
Oversaw the small commercial unit which wrote smaller accounts
USI Insurance Services of CA
Account Manager
Woodland Hills, California
July 1999 - March 2000
Serviced commercial lines book of business for one producer in conjunction with another Account Manager. There was quite a variety of risks that were based out of the Los Angeles area which consisted of real estate, manufacturing, retail and other types of risks.
Updating agency management system with client information. Agency was in the process of transferring to Sagitta and data inputting was extensive due to the shift
Marketing new and renewal business to various insurance companies on all lines of business including property, general liability, automobile, workers compensation, umbrella and executive lines of insurance, i.e., D&O, Fiduciary, Crime, EPLI.
Issuance of binders, certificates of insurance, auto id cards, invoicing, collection of premiums
Follow ups on policies, endorsements, audits and information needed for marketing business
RT Beers & Associates (now part of Arthur J. Gallagher)
Account Manager
Long Beach, California
October 1998 - July 1999
Marketing new and renewal business; daily servicing of clients; preparation of detailed insurance summaries, proposals and loss summaries.
Updating agency management system with current information on the client
Answering client's questions as respects their insurance program
Review of policies, endorsements and audits for accuracy
Liberty Agencies
Account Manager
North Hollywood, California
April 1998 - October 1998
Marketing new and renewal business; servicing commercial lines book of business on a variety of accounts from small to middle market accounts including information gathering, preparing applications for marketing, negotiation of pricing/coverage, binding, invoicing and policy review.
Obtained information from the clients in order to update agency management system in preparation for the applications to be sent to the market
Prepared insurance summaries and proposals for presentation to the clients
Negotiation of coverages/pricing during marketing of new and renewal business
Binding coverages; billing and invoicing; preparation of insurance binders
Review of insurance policies, endorsements and audits for accuracy
Hylant Group
Account Manager
Columbus, Ohio
February 1994 - December 1997
Worked closely with the President of the agency in handling his book of business which consisted of large real estate property developer, chain of restaurants, skating rinks, organic farm, manufacturers. This included marketing, servicing, developing client relationships, policy review, issuance of certificates, billing, daily servicing of clients.
Accurate input of data into agency management system in order to produce applications needed for marketing
Negotiation of pricing and coverages with underwriters at various insurance companies for all lines of insurance
Binding and billing various lines of insurance coverages including property, liability, automobile, umbrella, crime, inland marine and other types
Preparing insurance summaries and proposals for delivery to the client
Review of policies, endorsements and audits for accuracy
Worked closely with the President of the agency on his book of business; obtained better insight into developing relationships with the clients and markets. Attended meetings and social events with clients and carriers.
Relocated to Cincinnati with the Producer/President to open an office for Hylant
Computer Skills
CSR24
EPIC/Applied
PaperPort
TAM
AMS360
Adobe
Excel
Outlook
Word
Front
Slack
Education
Bachelors: Business; Human Resources Management, Franklin University, 1984 - 1992
Licenses
California - Property & Casualty
California - Accident & Health
Nevada - Property & Casualty
Nevada – Accident & Health
Professional Designations & Certifications
ARM – Associate of Risk Management, 2002
CIC – Certified Insurance Counselor, 2015
CISR – Certified Insurance Service Representative, 1996
FLMI-Fellow, Life Management Institute-Specialty: Selection of Risks
Professional Associations
Society of Certified Insurance Counselors
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