Michael Kaper Email & Phone Number

Affirmative Insurance Services May 1997 – October 2009Executive Vice President of ClaimsResponsible for day-to-day operations of Midwest Regional Claims Office with $110M GWPFurther strengthen successes through the continuous pursuit of balance between: Quality Customer ServiceMaintaining favorable severity / loss ratioControlling expensesResponsible for implementing current infrastructure within claims inclusive of numerous checks and balances which ensure proper controls. Such programs include:Chair Regional Claims Committee DRP Program (Metro/Non-Metro)Creation of Minor Injury Soft Tissue Unit Proof of Loss ProgramOut of State Liability Review Committee National Reinspection ProgramManage Regional Litigation Costs National Desk ReviewerProperty Damage Suit Team National Salvage ManagementManaged multiple National Centers handling specialized losses from all Affirmative Regions (Southeast, Southwest, Florida, South Carolina, Michigan) including;National Call Center/Loss Reporting National Total LossNational Operations National SalvageNational Subrogation / Recovery CenterResponsible for up to 164 employees, 10 direct reportsSuccessfully manage a $5+ million dollar ULAE budgetDecreased Physical Damage Loss Ratio from 77+% to a consistent annual 44-47%Responsible for consistently reducing Department of Insurance inquiries while maintaining reduced severityManage claim integration process associated with acquisition of other entities and programs

American Ambassador (1990 – May 1997)Senior Claim ManagerResponsible for 105 employees, 6 managers; reported directly to PresidentOversaw first and third party PD/Liability losses in a 5 state areaResponsible for maintaining Physical Damage Loss Ratio results in the mid-40sSuccessfully managed a $6+ million dollar budget