Bryan Sprague Email and Phone Number

I've had the opportunity to lead two different regional divisions (Midwest and Western) with our Small Commercial state product management organization. I oversee a team of individuals managing our three core products across multiple risk states.The team's core responsibility is ensuring profitable growth through P&L ownership of these states. We manage rate level, segmentation, and the long term strategic vision for our states. We work with stakeholders throughout the organization to develop and execute a product roadmap that will innovate on our current capabilities. We lead and influence our sales and underwriting partners to execute an end to end strategic plan to accomplish our organizational goals.In my current role as the Western State Product Director, I lead the product, pricing, sales, and underwriting strategy for our market leading Small Commercial group for my assigned territory. My Western territory of 11 states (CA, WA, OR, AZ, NV, UT, ID, MT, WY, AK, HI), accounting for >$1B under my management. During my time managing the division, it has experienced double digit growth annually. I've managed the state of California through several large rate filings and product structure/conversion filings, in addition to leveraging non-state actions to guide the state through the historical hard property rate cycle. In leading my team, I've had the opportunity to hire, manage, develop, and promote high performing Product Managers and Product Analyst.Outside my core responsibilities, I regularly get tapped for additional assignments. I've had the opportunity of leading our state product organization through the rate level setting process for our newest BOP/Spectrum product. I'm also responsible for the post monitoring report outs to our senior leadership team.

Within the Hartford's Small Commercial Product organization, I am a member of our state product team. I have direct P&L responsibility for states within the Southeast & Mid-Atlantic region. I oversee various product lines, including our Business Owner Policy (BOP), Workers' Compensation, and Auto lines of business. I work directly with our in-market sales and underwriting team to implement strategies that drive profitable growth. On our Workers' Compensation, some key accomplishments include balancing protecting profit in the negative rate environment while driving profitable growth. This included strategically deploying newly licensed writing companies and implementing renewal processes to maintain net rate.On our Business Owner's Product, I pioneered the state review process within our new product as we set our rate levels. I also lead our coastal management work stream, exploring opportunities to expand our appetite, while managing exposure concentration. Overall, I am viewed as a leader among my peers and seen as a go to person for advice. I am intellectually curious and routinely challenge the status quo to continue to advance our Small Commercial Product organization.

My previous role was as a Technology and Life Science Underwriter within our Middle Market group. It was an opportunity to broaden my skill set and experience the foundational skill that is underwriting. After completing a 6 month training program dedicated to underwriting Tech & Life Science accounts, I was based in our Hartford, CT regional office, but work with agents in the New York City territory. My primary focus was working with the Marsh QSG group. Over my two years in working with our Marsh QSG book, I was able to grow it approximately $2million. As a TLSP underwriter, I was responsible for retaining our current book as well as driving new business. built relationships with our key agents and brokers to facilitate and strengthen our partnerships. Through my past experiences, I was able to bring superior analytic skills utilized to accurately underwrite and price accounts. Using my planning, financial, and monitoring skills, I was able to profitably manage the growth of our book. In the role, I further developed my relationship and sales skills. As a Technology and Life Science underwriter for The Hartford, I was an industry expert on the latest technological advances and developing industries. I was an adviser for our partners for any emerging risks and exposures that their clients may have. I have knowledge of our full suite of products including Property, General Liability, Automobile. Workers Comp, Errors & Omissions, Umbrella, and International.

Responsible for P&L for personal auto and home products in the state of Oregon, as well as sharing P&L responsibility for WA, MT, ID, and WY. Our Pacific Northwest team manages products in both a direct to consumer and an agency distribution channel. Across our states, the team manages a upwards of $300 million in written premium. On the Pacific Northwest team, I am primarily responsible for supporting decision making through advanced analytics. Examples of the typical decisions I support are rate level, pricing segmentation, agency management, underwriting and other non-rate actions. I work closely with my manager to develop the strategy for our states and I work with my teammates to communicate and implement that strategy. By combining my analytics and strategy work, I create the communications to management regarding the performance of our states and our go forward strategy. In addition to my primary role, there are a number of functions I participate in on a day to day basis. These include: developing indications, picking loss cost and premium trends, making rate decisions, topline forecasting and planning, loss ratio planning, performance monitoring (loss, new business, and retention), agent evaluation, agency book management, policy detail investigation, compliance data requests, state filings and objection responses, and analysis to supporting senior leadership initiatives.

Similar responsibility as Business Intelligence Analyst position.Key projects/accomplishments:Independently developed new reporting techniques, utilizing SAS Stored Processes and VBA, that solve data size issues and the need for subject matter expertise for querying data. Allows users quick and easy access to performance data and metrics. Worked with the team to create a vision for business intelligence at The Hartford.Developed a sophisticated and innovative method to class plan monitoring. By leveraging my experience with our auto rate engine, I was able to create a process to isolate the effects of our class plan changes and break them out. The method allows us to truly understand the impact of each change made and gives us a capability that we never had.

After a reorganization, my past position was moved to this one, a part of the Countrywide Intelligence & Analytics team. This group was located in the Personal Lines Countrywide Auto team. Responsible for monitoring of class plan and countrywide product performance across the distribution channels of Personal Lines. Partners with State Product Management to develop research for product benchmarking and market competitiveness. Supports the countrywide forecasting and overall financial management/analysis for Product Management. Partners with cross-functional teammates with the objective of creating a singular 'product' view of profit and loss performance. Supports improved methods of data presentation including playing a key role as an adviser toward any 3rd party data interfaces and data sets. Provides training to State Product Management regarding monitoring, data best practices and process.

This position was located within the Personal Line Data Science team.Responsible for maintaining and improving the monthly loss and flow reports and pivots.Aided the conversion rate task force and retention task force through providing and analyzing data.Created an optimization tool used to make base rate changes based on elasticity curves as part of the conversion rate task force.Performed territory analysis and modeling for the Hartford's most recent homeowner's product.Provided filing support for Hartford's newest auto product.

This position was located within the Personal Lines Data Science team.Responsible for maintaining monthly loss reports and pivots.Created a process to validate a database against reserving data.Developed a process to validate a vendor product (Quadrant) used for the competitive analysis of the Hartford new homeowner's product.Documented processes and trained employees.

Intern at a small accounting/finance firm. Worked with a real estate company to allocate maintenance expenses.