ALVARO (AL) HARO

Risk Manager at Alvarado Restaurant Nation
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Contact Information
us****@****om
(386) 825-5501
Location
Denver Metropolitan Area

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Experience

    • United States
    • Restaurants
    • 1 - 100 Employee
    • Risk Manager
      • Dec 2021 - Present

      Insurance Renewals, Oversee the company's insurance programs. Investigate and report all Property, General Liability, and Workers' Compensations claims to the TPA's and Captive Insurance Group. Process annual insurance renewals. Manage company's Fleet annual Registrations & Insurance. Work with the Brokers to obtain Certificates of Insurance and implement Emergency Crisis Plans. Keep the Chairman, Legal, CFO, and Chief Human Resource Officer abreast on large losses, reserves and provide… Show more Insurance Renewals, Oversee the company's insurance programs. Investigate and report all Property, General Liability, and Workers' Compensations claims to the TPA's and Captive Insurance Group. Process annual insurance renewals. Manage company's Fleet annual Registrations & Insurance. Work with the Brokers to obtain Certificates of Insurance and implement Emergency Crisis Plans. Keep the Chairman, Legal, CFO, and Chief Human Resource Officer abreast on large losses, reserves and provide direction to the insurance adjusters and defense attorneys. Process in-house Property Subrogation claims against 3rd Party Carriers. Show less Insurance Renewals, Oversee the company's insurance programs. Investigate and report all Property, General Liability, and Workers' Compensations claims to the TPA's and Captive Insurance Group. Process annual insurance renewals. Manage company's Fleet annual Registrations & Insurance. Work with the Brokers to obtain Certificates of Insurance and implement Emergency Crisis Plans. Keep the Chairman, Legal, CFO, and Chief Human Resource Officer abreast on large losses, reserves and provide… Show more Insurance Renewals, Oversee the company's insurance programs. Investigate and report all Property, General Liability, and Workers' Compensations claims to the TPA's and Captive Insurance Group. Process annual insurance renewals. Manage company's Fleet annual Registrations & Insurance. Work with the Brokers to obtain Certificates of Insurance and implement Emergency Crisis Plans. Keep the Chairman, Legal, CFO, and Chief Human Resource Officer abreast on large losses, reserves and provide direction to the insurance adjusters and defense attorneys. Process in-house Property Subrogation claims against 3rd Party Carriers. Show less

    • United States
    • Insurance
    • 700 & Above Employee
    • Senior Resolution Manager
      • Jan 2021 - Dec 2021

      Managing claims according to the client’s service instructions and corporate’s best practices. Investigate all claims, determine coverage, and administer indemnity & medical benefits. Managing claims according to the client’s service instructions and corporate’s best practices. Investigate all claims, determine coverage, and administer indemnity & medical benefits.

    • United States
    • Manufacturing
    • 700 & Above Employee
    • CORPORATE CLAIMS SPECIALIST
      • Oct 2017 - Apr 2020

      Oversee corporates third-party administrator(TPA) claims handling for casualty claims. Renewed self-insured permits, filed annual assessments & corporate's compliance and regulation reporting. Conducted meeting with corporate's attorneys, risk manager, plant nurses, and occupational health manager to discuss claims irregular trends and brainstormed corrective actions. Conducted on-site evaluations to scope plant's safety policies and return-to-work programs. Adjusted in-house claims workers'… Show more Oversee corporates third-party administrator(TPA) claims handling for casualty claims. Renewed self-insured permits, filed annual assessments & corporate's compliance and regulation reporting. Conducted meeting with corporate's attorneys, risk manager, plant nurses, and occupational health manager to discuss claims irregular trends and brainstormed corrective actions. Conducted on-site evaluations to scope plant's safety policies and return-to-work programs. Adjusted in-house claims workers' compensation, general liability, and property. Interacted with brokers, risk manager, division leaders regarding insurance renewals. Assisted legal on ADA, FMLA, and OSHA incident investigations. Show less Oversee corporates third-party administrator(TPA) claims handling for casualty claims. Renewed self-insured permits, filed annual assessments & corporate's compliance and regulation reporting. Conducted meeting with corporate's attorneys, risk manager, plant nurses, and occupational health manager to discuss claims irregular trends and brainstormed corrective actions. Conducted on-site evaluations to scope plant's safety policies and return-to-work programs. Adjusted in-house claims workers'… Show more Oversee corporates third-party administrator(TPA) claims handling for casualty claims. Renewed self-insured permits, filed annual assessments & corporate's compliance and regulation reporting. Conducted meeting with corporate's attorneys, risk manager, plant nurses, and occupational health manager to discuss claims irregular trends and brainstormed corrective actions. Conducted on-site evaluations to scope plant's safety policies and return-to-work programs. Adjusted in-house claims workers' compensation, general liability, and property. Interacted with brokers, risk manager, division leaders regarding insurance renewals. Assisted legal on ADA, FMLA, and OSHA incident investigations. Show less

    • United States
    • Insurance
    • 700 & Above Employee
    • WORKERS' COMPENSATION CLAIMS SPECIALIST
      • Mar 2016 - Oct 2017

      Managed and processed workers' compensation for multiple, counties, cities, and other self-insured clients. Scheduled claims update meetings with clients to review irregular trends, brainstormed claims resolutions. Attended mediation hearings, negotiated settlements and subrogation liens, and updated excess carriers. Managed and processed workers' compensation for multiple, counties, cities, and other self-insured clients. Scheduled claims update meetings with clients to review irregular trends, brainstormed claims resolutions. Attended mediation hearings, negotiated settlements and subrogation liens, and updated excess carriers.

    • United States
    • Government Administration
    • 700 & Above Employee
    • RISK SPECIALIST
      • Nov 2012 - Dec 2015

      Implemented return-to-work programs, safety programs, conducted safety inspections, assisted in accident investigations, and provided safety training to: Police, Fire, Fleet and Open Space and Parks & Recreation departments. Processed and adjusted in-house Workers' Compensation and Liability claims. Investigated, negotiated settlements, determined subrogation. Assisted HR with fit-for duty and ADA. Implemented return-to-work programs, safety programs, conducted safety inspections, assisted in accident investigations, and provided safety training to: Police, Fire, Fleet and Open Space and Parks & Recreation departments. Processed and adjusted in-house Workers' Compensation and Liability claims. Investigated, negotiated settlements, determined subrogation. Assisted HR with fit-for duty and ADA.

    • United States
    • Insurance
    • 300 - 400 Employee
    • SENIOR WORKERS' COMPENSATION CLAIMS EXAMINER
      • Aug 2008 - Nov 2012

      Processed Workers' Compensation claims for public schools and health care providers. Attended meetings with brokers and clients to reviews claims status updates. Placed excess carriers on notices regarding catastrophic injuries. Worked close with clients and defense attorneys to admit or deny claims, get appropriate reserve increases and obtain settlement authority. Processed Workers' Compensation claims for public schools and health care providers. Attended meetings with brokers and clients to reviews claims status updates. Placed excess carriers on notices regarding catastrophic injuries. Worked close with clients and defense attorneys to admit or deny claims, get appropriate reserve increases and obtain settlement authority.

    • United States
    • Insurance
    • 700 & Above Employee
    • WORKERS' COMPENSATION CLAIMS SUPERVISOR
      • Apr 2007 - Jul 2008

      Supervised and managed a workers' compensation department, processed complex claims, triaged and assigned claims to claims examiners. Reported weekly updates to senior managers and attended corporate ongoing training. Attended continuing education seminars and safety conferences. Supervised and managed a workers' compensation department, processed complex claims, triaged and assigned claims to claims examiners. Reported weekly updates to senior managers and attended corporate ongoing training. Attended continuing education seminars and safety conferences.

    • United States
    • Insurance
    • 500 - 600 Employee
    • SENIOR WORKERS' COMPENSATION CLAIMS ADJUSTER
      • Sep 2001 - Apr 2007

      Adjusted and processed workers' compensation claims for different associations, assisted with Spanish speaking claimants for multiple teams. Performed powerpoint presentations to policy holders on safety, claims 101, and return-to-work programs. Set initial reserves up to $250K Negotiated settlements up to $80K cash, $250K structured. Assisted in interviewing and training new hires. Adjusted and processed workers' compensation claims for different associations, assisted with Spanish speaking claimants for multiple teams. Performed powerpoint presentations to policy holders on safety, claims 101, and return-to-work programs. Set initial reserves up to $250K Negotiated settlements up to $80K cash, $250K structured. Assisted in interviewing and training new hires.

    • United States
    • Insurance
    • 700 & Above Employee
    • PROPERTY FIELD ADJUSTER
      • Apr 1999 - Sep 2001

      Casualty Field Adjuster. Assisted on the Catastrophic Team (CAT) for local and other states property claims. Investigated on-site damages and evaluated all facts to determine coverage. Determined liability and subrogation for recovery. Processed automotive, residential and commercial property claims. Managed venders and contractors to provide estimates and repairs. Casualty Field Adjuster. Assisted on the Catastrophic Team (CAT) for local and other states property claims. Investigated on-site damages and evaluated all facts to determine coverage. Determined liability and subrogation for recovery. Processed automotive, residential and commercial property claims. Managed venders and contractors to provide estimates and repairs.

Education

  • University of Northern Colorado
    Bachelor's Degree in Kinesiology, Kinesiology and Exercise Science

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