Carol S. Heneisen
Senior Commercial Property & Casualty Underwriter at EverSports & Entertainment Insurance Inc.- Claim this Profile
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Bio
Experience
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EverSports & Entertainment Insurance Inc.
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United States
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Insurance
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1 - 100 Employee
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Senior Commercial Property & Casualty Underwriter
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Jan 2014 - Present
Property and Casualty underwriter for specialty market - Sports, Leisure, and entertainment. Property and Casualty underwriter for specialty market - Sports, Leisure, and entertainment.
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Indiana Department of Insurance
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United States
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Insurance
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1 - 100 Employee
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Policy Analyst
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Apr 2013 - Jan 2014
Reviewed and analyzed health insurance contracts submitted by insurance companies to verify compliance with federal and state statutes. This entailed research of laws and an in-depth knowledge of the Healthcare Reform / Affordable Care Act. Reviewed and analyzed health insurance contracts submitted by insurance companies to verify compliance with federal and state statutes. This entailed research of laws and an in-depth knowledge of the Healthcare Reform / Affordable Care Act.
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Commercial Product/Compliance Specialist
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May 1994 - Oct 2001
• Analyzed company financial results and actuarial indications for individual states, collaborated with actuaries and product line manager to establish rates for commercial auto. • Prepared and negotiated filings for rates, rules and forms with state Insurance Departments. • Developed new insurance products for the commercial automobile line of business that met or exceeded organization return on investment thresholds. • Wrote underwriting manuals which established policies and procedures for underwriters, directing them in types of business to write, how to analyze exposure, and how to accept risk profitably. • Served as a resource for underwriters to direct them on accounts with more difficult risk exposures • Researched and reviewed state insurance laws to ensure compliance. Show less
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American States Insurance Company
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Insurance
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Commercial Lines Underwriter - Property & Casualty
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Jun 1993 - May 1994
• Gathered, analyzed and evaluated risk exposure through appropriate documentation. • Made proactive recommendations to improve risk profitability. • Applied knowledge and understanding of coverage forms, rating plans, and guidelines in the selection and pricing of individual risks. • Ensured adequate pricing of individual risks through proper classification, accuracy of information, and adherence to company underwriting standards and philosophy. • Worked with agents on phone and in person to answer inquiries regarding policy coverage and to cross-sell other lines of business. Show less
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Hartford Insurance Company
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United States
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Insurance
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Commercial Insurance Underwriter - Property & Casualty
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Jun 1989 - Jun 1993
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USF&G Insurance Company
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Insurance
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Commercial Insurance Underwriter - Property & Casualty
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Jan 1986 - Jun 1989
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Education
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Ball State University - College of Business
BS in Finance & General Business -
Indiana University Bloomington