Seren Specialty Insurance (SEREN) is a program management company providing insurance solutions to the specialty liability insurance market. SEREN offers beginning to end policyholder, underwriting, claims management, risk management and distribution services. By providing a platform with a full suite of services we maximize the use of capital within the insurance industry to our owned and contracted companies. Seren Hospitality has been founded to provide General Liability and Liquor Liability insurance to hospitality venues across the United States. The company will operate on the principals of underwriting integrity, consultative risk management, vigorous claims defense, financial strength, and premium stability. Seren Hospitality is owned by hospitality venues that are committed to defending and rewarding safe and responsible operations.

Developments in the insurance economy have changed the traditional balance between customer and supplier. New carrier appetites, the establishment of multiple MGAs and easy access to reasonably broad policies,mean that customers have more choices, variegated customer needscan find expression, and supply alternatives are more transparent. Risk management services need to be more customer-centric, especially since the market has evolved so quickly; focus must be set to lower cost provisions to provide information and customer solutions. These developments in turn require agencies to re-evaluate the value propositions they present to customers in many sectors, the supply side driven logic of the take as much as you can era has become no longer viable.At Ayala Coverage Design Inc we have witnessed first hand the changing market place, and understand the reserved approach to sustainability. This new environment has also amplified the need to consider not only how to address customer needs more astutely, but also how to capture value from providing new products and services. We are an insurance consulting and risk management firm providing services to a vast array of clients from small family owned businesses to multi owner massive electronic dance clubs with a unique twist. J.J. Ayala

Implementing protocols based on experience in class to ensure longevity and underwriting profits.Accountable for adherence to binding authority, compliance with company filings, rate level monitoring, and placement of additional wholesale products as needed. Act as a referral underwriter for in house underwriters, coordinate and lead internal underwriting audits, all with an emphasis on relationship management. Communicate regularly with program administrators to keep current on market conditions and changing underwriting environment, work to resolve any issues (internal and external) and act as a liaison between support divisions of the company and the program administrators/MGA to secure information, assist in answering questions and resolve any open issues or problems.•Responsible for coordination and oversight of a Program Administrator an MGA and a highly profitable Risk Retention Group, which includes all aspects of underwriting management of assigned programs with a focus on profitability and underwriting ethics. • Responsible for acquiring and managing $48MM GWP portfolio liability business; maintain and improve broker management initiatives; act as an underwriting resource for the group; provide leadership for underwriters and customer service representatives as well as coach and mentor all staff. •Responsible for daily management liability products; determining new underwriting business initiatives; perform strategic analysis to determine profitability and feasibility of current product portfolio and prospective offerings as well as formulate underwriting workflows and develop underwriting manuals for current programs.• Responsible for underwriting, rating and selling business to agents following carrier underwriting guidelines and Gallagher’s professional standards• Responsible for 85% retention and 95% year over year growth of book• Responsible for assisting in carrier relations and negotiations• Responsible for CSS role and managing all staff

Successfully spear headed negotiations with extremely conservative and well known carriers to obtain underwriting authority in the Hospitality sector. Implemented strict underwriting guidelines and protocols to ensure profitability in a highly volatile marketplace. Using my knowledge in class helped in create a rating Matrix to ensure rates per class codes were generated and approved based on actuarial data compiled and reviewed by actuaries and ultimately approved by our carrier partners. Implemented strong workflows and systems to ensure maximum production and service to our broker partners. Within 11 months through personal relationships long hours and hard work the program captured over $20MM in GL/LL premiums in the bars, nightclubs and small live music venues. In March of 2015 my resignation as Program Underwriting Manger was turned in for personal issues.

Managed a profitable $75MM GL/LL Hospitality book specializing in Assault & Battery coverage. Implementing strict underwriting guidelines that minimized exposures and in turn increased profitability. With an extensive background in the Night Club sector, renewals were reviewed for improper classification and in turn generated additional premiums where they were needed.

Marketing, advertising, research and development. Company was sold in 2002 to Outkast for a profit.