biBerk Business Insurance

Underwriter

• Lead, coach, mentor, and develop a team of specialized underwriters that touch THREE’s entire footprint.
• Drive high quality risk selection, underwriting quality, and discretionary pricing decisions for new business and renewals in a book of high hazard risks to drive profitable growth – specifically Hospitality, Habitational, Bar/Tavern, and LRO industries.
• Meet or exceed specific performance metrics including but not limited to Turnaround Time, Bind Ratio, Loss Ratio, and Retention Ratio.
• Provide feedback/input on appetite, underwriting guidelines, processes, and workflows for risks that fit this specific segment.
• Take a proactive approach to helping Sales partners understand agent submission quality and opportunities for growth.
• Handle management level approval on out of authority referrals.

Complex Commercial Underwriting Manager

Claims Specialist

• Determine compensability and/or coverage issues for loss time workers' compensation claims
• Effectively manage a caseload of loss time claims from numerous jurisdictions
• Negotiate and direct settlements under management's review
• Gather medical and factual evidence to determine compensability
• Direct outside investigation and handle litigation files within given authority
• Coordinate and maintain contact with claimants and/or their attorneys, outside investigators, and rehabilitation personnel as well as routine contact with insureds, account liaisons and medical providers

Claims Representative – Workers' Compensation

• Investigating losses and identifying coverage issues
• Obtaining and reviewing estimates, evidence, reports, and medical records
• Handling First Party Damages
• Handling Third Party Damages
• Handling Total Loss, Fire, Theft and Glass Claims
• Evaluating injury demands
• Handing non repped and repped claims
• Establishing damages and reserves
• Processing payments
• Taking recorded statements from insureds, claimants, and witnesses
• Maintain claim file per best claim practice guidelines
• Obtain and maintain all required state licenses

Commercial Auto Claims Representative – Property Damage

Account Executive

• Field inbound calls from small business owners seeking insurance and make outbound calls to leads who have applied for business insurance through our website.
• Effectively articulate the benefits of THREE to potential customers and close sales by: Educating leads on the risks their business may face, and how THREE can address those risks more effectively than other insurance providers.
• Tailoring your sales approach to the unique needs and motivations of each customer.
• Challenging misconceptions and overcoming objections with professionalism and confidence.
• Collaborate with the Underwriting team to collect all necessary documentation from prospects to inform underwriting decisions.
• Meet or exceed monthly sales quota as set by Sales Leadership.
• Maintain consistent availability for shifts as coordinated with your supervisor, ensuring reliable adherence to the agreed-upon work schedule.

Insurance Sales Representative – Property and Casualty

• Directly handles business owner liability claims.
• Analyze coverage issues under various standard industry forms.
• Draft coverage letters and frequent communication with various parties including attorneys.
• Manage an active desk of property damage and bodily injury liability claims under business owner policies.
• Adjust total auto losses as part of adjusting liability claims.
• Collaborate on setting reserves at appropriate level for claims.
• Document claim files in accordance with established guidelines.
• Obtain and maintain adjuster licenses as required.

Commercial General Liability Claims Representative

Compliance

• Oversee the Consumer Affairs team focusing on complaint management and handling.
• Lead and oversee the external exam/audit process with departments of insurance and bureaus.
• Be the first point of contact for exams, audits, and data calls.
• Provide compliance consultation for business partners.
• Aid business partners in solution scoping and risk management.
• Report and prepare trend analysis on compliance issues.
• Draft summary and trend reports for upper management to include compliance strengths and weaknesses, and actionable suggestions for improvement.
• Develop and maintain detailed documentation of compliance policies and procedures.
• Responsible for development of compliance repositories and warehouses.
• Lead and oversee the development of a compliance framework for the workers’ compensation line of business.
• Lead the compliance resource dedicated to workers' compensation.
• Use leadership and managerial skills to lead, mentor, and develop a team of compliance professionals.
• Attend all leadership calls and oversee effective communication direction and priorities concerning complex regulatory activity that impacts any products and/or product related forms to ensure timely and accurate compliance with state insurance laws and regulations.
• Develop and maintain efficient processes, procedures, and measurements for timely and accurate reporting.
• Support other compliance teams as needed or required.
• Perform other related duties as assigned or required.

Core Compliance Manager – Commercial Property & Casualty Insurance

Actuary

• Lead the actuarial pricing function for the THREE product, ensuring accurate, data-driven rate adequacy and segmentation.
• Own the annual rate review process, including planning, timeline management, and sign-off.
• Manage and mentor a team of actuarial analysts, overseeing workflow, deliverables, and development.
• Review and validate analyses to minimize errors in rate filings and improve efficiency and transparency.
• Partner with data science and modeling teams to incorporate predictive model outputs into pricing decisions.
• Conduct and oversee deep dives into key industries or customer segments to identify opportunities for refinement.
• Maintain strong controls and documentation around pricing assumptions, methods, and results.
• Collaborate cross-functionally with product, operations, and finance to align pricing initiatives with business objectives.
• Provide actuarial expertise and recommendations to senior management.

Lead Pricing Actuary

• Lead, coach, mentor, and develop a team of Underwriting Analysts and Underwriting Specialists who execute post-bind procedural tasks; including post-bind reviews, documentation follow-up, policy changes, and various other tasks.
• Manage team queues and workloads to achieve adequate performance against SLAs - high focus on efficient workflow management in a high-volume, time-sensitive environment.
• Perform regular quality checks on work processed by direct reports.
• Provide feedback/input to improve automation, drive workflow efficiency, and increase work capacity absent of significant headcount increases.
• Work closely with the Underwriting and Sales leadership teams to ensure end-to-end processes achieve THREE’s goals while delivering a world class customer experience.
• Handle out of authority tasks from direct reports.

Underwriting Support Manager

• The Auto Claims Casualty Adjuster is responsible for directing commercial automobile claim loss investigations and adjusting from a remote office setting.
• Investigating losses (BI/UM/UIM primarily) from office, utilizing Independent Adjusters and other internal/external resources identifying coverage issues and completing coverage analysis.
• Evaluation and valuation of injuries/damages.
• Experience handling moderate to severe injury claims involving allegations of soft-tissue injuries, bone/cartilage fractures, disc herniations, joint dislocation, short-term hospitalizations and out-patient surgeries.
• Handing attorney represented claimants (litigation claim-handling experience a plus).
• Experience analyzing and responding to Time Limited Policy Demands.
• Experience working with experts in multiple disciplines, including: physicians/therapists, attorneys, accountants, medical billing audit firms, accident reconstructionists, biomechanical engineers, forensic accountants.
• Maintain claim files per established best claim practice guidelines.
• Obtain and maintain all required state licenses.

Commercial Auto Claims Representative – Pre-Suit Bodily Injury

• Manage an active desk of litigated and non-litigated claims of varying complexity under miscellaneous professional liability coverages
• Recognize exposures and ensure reserves are adequate and timely
• Evaluate coverage issues and identify risk transfer opportunities
• Manage litigation by proper expert selection, planning, budgeting and partnership with defense counsel
• Strong negotiation skills
• Proactively manage claim resolution, including formation and implementation of resolution strategy, settlement valuation and obtaining settlement authority
• Actively participate in mediations as needed, within limit of settlement authority
• Manage allocated loss adjustment expense through strategic handling and bill review/payment processing in coordination with the billing unit
• Appropriately document claim files in accordance with established guidelines
• Maintain adjuster licenses, as required

Senior Professional Liability Claims Representative

Business Intelligence Analyst

• Support regulatory, financial, and business reporting
• Document report requests and updates
• Profile downstream data to find anomalies and potential data issues
• Create SQL scripts for reporting
• Utilize PowerBI and other dashboarding programs

Data and Reporting Analyst

Full-stack Engineer

• Drive architectural decisions and contribute to long-term technical strategy in partnership with engineering leadership
• Own complex feature development end-to-end, from initial planning through delivery and observability
• Set engineering standards and promote best practices in code quality, testing, documentation, and system design
• Collaborate with product, design, and other technical stakeholders to shape roadmaps and scope technical initiatives
• Mentor engineers across the team and provide technical leadership through code reviews, design discussions, and knowledge sharing
• Identify and resolve performance bottlenecks, scaling challenges, and system reliability issues
• Advocate for and contribute to improved developer experience through tooling, automation, and process refinement

Principal Software Engineer

Collections

• Identifying appropriate method to handle collection accounts (phone call to agent/ insured, e-mail, or document mailing).
• Arrange installments on audit balances and current policies with payroll endorsements due to audits of prior terms.
• Effectively follow up on payment commitments.
• Management of accounts that are outsourced to collection agencies or attorneys.
• Handle all documentation requests from insureds, agents, and collection vendors.
• Provide superior customer service to internal and external customers.
• Explain of audit results to insureds and agents.
• Correspond with agents, insureds and internal personnel verbally or in writing on dispute issues and other audit related issues.
• Assist in explaining what resources are needed to resolve any issues with estimated audits.
• Submit all settlement offers to Department Manager for review and approval.