If you’re passionate about helping people protect what matters most to them, as well as innovating and simplifying processes and operations to provide the best customer value, then Nationwide’s Property and Casualty team could be the place for you!
This role will be supporting our Farms and Agribusiness business unit, however Farm/Agribusiness experience is not required. A strong commercial insurance background is necessary to success in the role.
This role is a field position, and will require 50% travel (majority day trips, but also some overnight), and will include a company car. The territory will include all of Indiana and Michigan, as well as Eastern Illinois, and Western Ohio.
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The ideal location would be central Indiana, Indianapolis or surrounding area.
This position can be filled at an alternate level, based on the experience and qualifications of the selected candidate.
This pay scale for this role is an F4.
Job Description Summary
Do you have a keen sense of observation, the ability to assess a situation and make recommendations to improve safety practices? If you are a consultant at heart, with an affinity for the agriculture and food industries and the desire to learn and use your knowledge to improve a variety of operations to assist in reducing their exposures to potential loss, we want to hear from you!
Our agribusiness risk management team is an integral part of our organization. We develop relationships with customers, perform survey work to look at property and casualty exposures and recommend improvements that decrease risk. Through collaboration we share our knowledge and expertise across Nationwide to enhance our agriculture insurance lines and their market position.
Under moderate supervision, this role evaluates moderate to high complexity middle market risks. Conducts surveys of clients’ operations to identify and evaluate risk exposures associated with all lines of Property and Casualty insurance coverage. Job duties can include, visual inspection of operations and/or phone consultation with client representatives to determine underlying risk exposures and potential causes of loss. Works with the ambiguity of limited code enforcement and regulation. Determines if the risk controls in place are adequate to prevent or mitigate losses. Develops recommendations which will assist client with managing risk. Consults with Underwriting regarding risk exposures, controls and improvement opportunities. Writes comprehensive reports and recommendations that document client’s hazards, exposures, controls and effectiveness of controls associated with all lines of insurance coverage.
Job Description
Key Responsibilities:
Researches client information using both internal and external resources. Researches client business history, industry and related technical information to prepare for a survey to be completed either by an on site visit or phone. May manage vendors who will be completing the on-site survey.
Analyzes loss exposures and effectiveness of controls in place to mitigate them. Analyzes industry and client historical loss information for patterns or inherent exposures. Identifies improvement opportunities and service opportunities based on the loss trends or data. Communicates potential services and/or solutions to customers enabling them to manage their risk. Coordinates services internally and requests assistance from specialists and engineers as needed.
Advises Underwriting on risk insurability and coverages. Determines effectiveness of client’s operational risk control techniques by line of business. Identifies improvement opportunities and provides recommendations to assist client in risk management. Determines when additional internal assistance is needed to help clients improve property and casualty risk management programs.
Manages travel and personal workload and/or a vendor(s) assigned to complete surveys to meet agreed upon timelines. Job duties can include, providing vendor(s) insurance based questions to help them obtain the information that is required to properly evaluate the risk exposures and auditing vendors to ensure quality work is being received and directives are being followed.
Consults with Underwriting pertaining to account rehabilitation and may work directly with those accounts to make them insurable. Consults with clients, internal business partners and agents regarding risk analysis, recommendations and service needs.
Creates comprehensive technical reports and recommendations that address the hazards and controls associated with the client’s business, insurance needs and coverage. Completes assigned surveys based on established time and service standards. Communicates, both verbally and in writing, recommendations for risk reduction to underwriting, clients and agent partners. May be responsible for analyzing data and completing state-required compliance reports, as well as communicating with the appropriate State Official.
Responsible for a portfolio of clients. Required to work in partnership with the clients, internal associates and agent partners to mutually benefit all parties.
Participates in training classes, department and company meetings. Assists in the creation of a professional development plan with direct manager or director and is accountable for professional development progress.
May perform other responsibilities as assigned.
Reporting Relationships: Reports to manager or director. Does not have direct reports.
Typical Skills and Experiences:
Education: BS/BA studies in insurance, risk management, agriculture, food, engineering, business administration, safety-related field desired, or equivalent experience.
License/Certification/Designation: Licenses: Associates must obtain the required Federal and/or State licenses/registrations within the time period designated by the business unit. Additional licenses/registrations maybe required when new products and services are implemented. If an associate fails, or is unable to obtain required licenses/registrations within the time period designated by the business unit, the associate may be ineligible to continue tin the position. Designation: Is working towards an associated insurance designations.
Experience: Three to six years’ commercial underwriting, commercial claims, loss control/safety or associated commercial insurance fields preferred.
Knowledge, Abilities and Skills: Knowledge of worker’s compensation, fleet, general liability and property insurance coverage. Working knowledge of risk management issues, loss drivers and risk controls associated with various commercial industries. Good verbal and written communication skills to interact with all levels of internal and external contacts. Must possess a desire to learn, grow and develop as a risk management professional. Interpersonal skills to interact with leadership, internal business partners and peers. Ability to prioritize work/time. Ability to operate a personal computer and learn/use applicable systems.
Ability to consistently and effectively communicate on exposures and controls of those exposures through efficient reports.
Other criteria, including leadership skills, competencies and experiences may take precedence.
Staffing exceptions to the above must be approved by the hiring manager’s leader and HR Business Partner.
Values: Regularly and consistently demonstrates the Nationwide Values.
Job Conditions:
Overtime Eligibility: Exempt (Not Eligible)
Working Conditions: May require frequent and overnight travel. Must be able to conduct physical surveys inspections. Must be able to climb, stoop, bend, balance on various heights, crawl and lift up to 50 lbs. May require relocation. This maybe an office-based or field-based position. Must have a valid driver’s license with satisfactory driving record in accordance with Nationwide standards.
ADA: The above statements cover what are generally believed to be principal and essential functions of this job. Specific circumstances may allow or require some people assigned to the job to perform a somewhat different combination of duties.