Kim Fritz, Cpcu, Asli, Api Email & Phone Number

Amelia, Ohio

• Manage all commercial lines products offered countrywide with annual written premiums totaling $70 million.• Establish and enforce Commercial Lines Underwriting Guidelines to ensure a combined ratio under 100% while maintaining a retention ratio of 85%.• Implement rate increases by introducing a proprietary rate method.• Coordinated profit improvement initiatives by working collaboratively with Regional Vice Presidents, Sales, Underwriting and Actuarial teams to achieve growth plans.• Consistent reduced loss ratio achieved for 3 consecutive years with combined ratios reduced by as much as 30%.

Amelia, Ohio

Managed the researching and monitoring of Residual Markets (FAIR and Coastal Plans).• Developed and implemented the process to recover assessments across the residual markets for the respective business units.• Recovered over $2 million in assessments.• Constructed and reported an overview of the individual state Residual Markets in order for management to gauge reinsurance needs.

Amelia, Ohio

• Established corporate Underwriting Guidelines and philosophies for Personal Lines Property products. • Monitored internal and external compliance with Underwriting Guidelines.• Conducted Underwriting Profitability Reviews.