Janel Apostol Email & Phone Number

Houston, Tx, Us

Houston, Tx, Us

Farmington Hills, Mi, Us

Rolling Meadows, Illinois, Us

• Commercial P&C various risk types• Quote renewals, binding and issuance of insurance policies with the insurer rules and authority• Evaluate renewal terms and conditions that includes forms (primarily ISO)• Review & endorse within the insurer rules and authority many coverage forms• Ability to work alongside teams of underwriters and independent agencies

New York, New York, Us

• Trained peers regarding surplus lines excess compliance within specialty insurance, provided materials regarding product procedures, and regulatory matters involving non-admitted insurance• Liaison between non-admitted insurance and state regulatory matters for multiple colleagues. • Worked with partnering peers to develop procedures and materials specific to company and state requirements• Provided professional confidence to high net worth clients in working closely with Account Executives and Client team members to answer complex jurisdiction determination for Specialty Products, with a focus in Energy (pipelines, wells and other assets.)• Partnering with top sells Account Executives, sales reaching 2.9MM and above in company goals• Received recognition for team participation in sales meetings• Supported and participated in TCOR (total cost of risk) to evaluate allocation involving premium tax on multi-state risk• Cultivated relationships during tough decisions by sticking to integrity, honesty and ethics while engaging with business colleagues and clients during pre and post binding insurance products• Handled research specific to client’s needs and communicated the results within the companies authority• Resolved premium in scrutiny through mitigation efforts, audits of current transactions and resolutions solutions while effectively working with business colleagues & corporate compliance

The Woodlands, Texas, Us

• Maintained and Underwrote new and renewal accounts along with marketing, sales and managing specialization in multi-line commercial accounts• Cross sold and sold an array of products (builder & contractor Insurance, Casualty Insurance, Liability Insurance, Risk Management, Health Industry, Property Management, Energy Sector• While analyzing coverage requirements based on individual risk to place clients with the appropriate carrier based on insured’s needs and within carriers authority.• Review and supported in coverage comparisons and cost comparisons.• Serving 334~ retail brokers and clients as a professional insurance field underwriter • Supported and Managed a 19MM~ book of business• Prepared & Obtained an array of insurance documentation during pre and post binding: applications, binders, quotes, spreadsheets, premium allocations & insurance summaries, SOV – Schedule Of Vehicles, TIV – Total Insurance Values• Acted as team lead with small group

• Founded and ran successful independent agency focusing on excess and surplus lines insurance (non-admitted insurance)• Collected client information to conduct needs analysis. Prepared customized insurance programs that protected clients’ and business assets, both residential and commercial• Generating a revenue stream from $0 to over $100,000+ and sustainable contingencies, with loss ratio desired by carrier requirements.• Cross sold and sold an array of products (builder & contractor Insurance, Casualty Insurance, Liability Insurance, Risk Management, Health Industry, Property Management, Energy Sector• Serviced account through certificate of insurance needs, claims, and endorsements• Continued a great working relation with front line underwriters while maintaining hard to obtain contracts