Kenneth B. Echols,Cpcu Email & Phone Number

Birmingham, Alabama, Us

Actively solicit new retail agents to become part of the CRC family and to foster the current relationships already established .To develop a significant book of business in the excess & surplus lines market by soliciting new accounts, marketing these accounts to companies to ultimately arrive at the most advantageous program for the insured .

• Travel extensively within New York City and Central/Southern New Jersey to identify and open new markets. Employ strengths in networking and negotiating to form relationships in untapped territories. • Perform extensive research and insurance audits to identify viable opportunities and gaps in current policies; create and clearly expound detailed presentations, thereby developing and sustaining lucrative relationships with retail brokerage firms. • Strive to consistently enhance an overall understanding of clients’ evolving operations as well as updated property and casualty needs. Implement comprehensive, tailored product solutions to include state-of-the-art coverages focused on the protection of clients’ assets. • Generate leads; identify and attain new accounts while maintaining existing clientele through quality work, superior customer service and excellent referrals; developed a new book of business within five months. • Negotiate highly lucrative contracts; execute sales; develop submissions and forward to the marketing department for dispatch to carriers. • Utilize expertise to streamline operations in conjunction with in-house underwriters.• Offer follow-up support ensuring optimum levels of client satisfaction.

• Tasked to bring to market an Excess & Surplus line business division. The Division was fully operational and generating revenue inside of nine months. • Developed underwriting guidelines, internal communication standards, and marketing presentations, which were approved by corporate counsel in our fifth month of set- up. • Achieved licensing in fourteen (14) states within nineteen (19) months by aggressively negotiating with and pursuing the regulators’ approval. • Developed strong relationships with forty (40) wholesale brokers who supported our product line. Developed a product that was rarely seen in the E&S environment, a package product for: vacant buildings, restaurants and hotels. This product was highly sought after by the wholesale brokerage community, which lead to the increased revenue.

• Increased market share in New York City and the entire state of Connecticut by developing new relationships with regional brokers. Revenue gained in first year was $600,000.• Creatively reduced risk of existing book of business through changing attachment points and/or coverages. Premiums were reduced slightly but clients remained loyal, renewal retention grew over 90 % and loss-ratios dropped. In turn, the company profitability on the book increased. Monoline Umbrella Division (Excess & Surplus lines)• Challenged to turn around the unprofitable high-hazard umbrella book of business. Reduced high- hazard business of $20MM to low hazard book of $13MM and added $1MM of medium hazard premium business.

• Developed new retail relationships with regional brokers of the tri- state area to grow the high hazard casualty book of business without losing market share of existing national houses (Marsh, Willis and Aon). Our new diversified client base allowed us to price our policies above industry averages.

• Increased the submission flow significantly by broadening the broker base and expanding acceptable classes. First year new business increased by $14MM; which grew to $50MM with a loss ratio of under 30%.Assistant Vice President - Specialty Brokerage Division• Tasked to bring a new division solely dedicated to the Global Broking offices of Marsh USA. Generated $5.8 million in new revenues the first year and held loss ratio to 20%. Upon my promotion book was over $105MM.

NY RegionRebuilding staff by hiring/training underwriting specialists in respective lines of GL/Products, E&O, A&E, Umbrella and Energy.Restructuring operations to accomplish efficient workflow.Maintaining/tracking weekly production rate adequacy.Underwriting loss- rated accounts (general liability/products) in accordance with home office pricing strategies per line.*Short tenure due to the lack of transfer of professional book as agreed upon during hire .

NY RegionDevelopment of a new marketplace for managed-care workers' compensation product line. Winning the approval of large national brokers by consistently soliciting for support. Active participation in new business production.* Short term tenure due to the withdrawal of investor capital as ROE was not in line with their expections.

Underwriting Manager - Entetainment Division (12/1995 to 05/1998)Development of new business nationally excluding West coast.Business written included general liability, liquor liability, workers' compensation and packages.Entertainment classes written:Large accounts (i.e.) Sport Teams - Workers' compensation written on large deductibles/retros.Venue/Facilities - written on guaranteed-cost basis with small deductibles.Casinos - written on guaranteed-cost basis with small deductibles.Nightclubs - written on guaranteed-cost basis with minimum deductibles of $5,000.Maintaining new/renewal book of business (approximately $7.2 million).Growth of nightclub book of business by 50% gross written premium over the last 12 months.Underwriting Manager Primary Products Department (E&S) (10/1992 to 12/1995) •Development of new business (Non-Admitted) from East coast territory (wholesalers only).•Maintaining renewal book of business (approximately $6.7 million).•Entertaining brokers, via travel to particular territorial city, while maintaining expense control over $12,000 travel and expense account.•Business written included general liability/products accounts. Majority of accounts written on large SIRs.•Placement of facultative reinsurance on a risk-by-risk basis.Senior Casualty Underwriter (10/1990 to 10/1992)•Starting Select Risk Department, hiring technical assistant and rater.•Implementation of business plan to write casualty business (WC, GL, AL and APD) for accounts ranging from $250,000 to $1,000,000.•Performing actual filings for policy forms, rates, and programs with respective boards and bureaus.•Successful writing of approximately 20 accounts for $11,000,000 with permissible loss ratio of 60%, inclusive of retro returned premiums and additional premiums (as of 2/97).•Placement of facultative reinsurance on new/renewal business

Development and implementation of active sales plan: 1.5 million new business written premium. 42 producer visits per quarter. 15 new business submissions per quarter.Field liaison to troubleshoot problems relating to accounts.Maintaining 90% renewal retention on book of business of $4.9 million, including daily account servicing.Maintaining file documentation in accordance with company standards.Building excellent rapport with key individuals at major insurance brokerage houses at that time: M&M, A&A, F.B. Hall, Water Kaye and Frenkel & Company.1989 &1990: Held company position of Commercial Automobile Resource Person.Regularly selected to company advanced training courses including: Personal Selling Skills (PSSIII); Advanced Underwriting Seminar - Retro Pricing/Coverages; Effective Presentation/Communications.

P&C Educational Requirement, Insurance

B.S., Business Administration ( Marketing)

Associate Of Arts Degree, A.A, Liberal Arts