1. Karen Richter 904.437.0111 Karenrichter06@gmail.com Page 1
Karen Richter
2168 Featherwood Dr. East
Atlantic Beach, FL 32233
904.437.0111
Karenrichter06@gmail.com
RISK MANAGER/UNDERWRITER
Seasoned risk manager and underwriter for US Assure, (prior named Zurich Insurance Services), for
the past 15 years. Lead underwriter for the Trucking and Motor Truck Cargo portfolios for new
business and renewal accounts. Professional lines, General Liability, Business Auto, Property and
Casualty, Inland Marine, Workers Compensation and Umbrella underwriter as well. Providing
exceptional customer service, risk analysis and carrier acceptability for insurance organizations.
CORE COMPETENCIES
Goal Oriented Risk Management Client Focused Team Building
Self-motivated Training/Development Critical Thinking Process Improvement
Risk Analysis Customer Service Quality Control Community involvement
KEY ACCOMPLISHMENTS
• 2-20 licensed
• Managed Risk and underwrote large commercial ($10,000,000) and small business ($5,000,000)
portfolios.
• Core Team member that developed underwriting technical track training course for ZIS.
• Employee of the Year Award 2004 for ZIS
• Provide care packages for the homeless in my area.
• Associate in Commercial Underwriting (estimated completion Jun 2016)
• International Sports Science Association Certification. (estimated Feb 2016)
PROFESSIONAL EXPERIENCE

2. Karen Richter 904.437.0111 Karenrichter06@gmail.com Page 2
US Assure , Jacksonville, FL. 2012 - 2015
Specialty Auto/Professional Lines Underwriter
• Accept, modify or rejects risks based on a review of business in terms of loss experience, inspection
reports, file information, web resources, policyholder tenure, related policies, and nature of risk in
accordance with company guidelines, standards and compliance with state laws.
• Provide excellent customer service to both internal and external clients and carriers.
• Trainer and mentor for team members and new hires providing company guidelines, carrier
guidelines and system training.
• Provide monthly status reports to my manager to show what has been quoted, declined, bound and
renewed for the month.
• Responsible for underwriting and servicing of multiple product lines simultaneously.
• Analyze submissions to ensure proper rating, coverages and exclusions are in place to best cover the
risk and the insured’s interest while ensuring carrier exposure is at a minimum.
• Use approved classification systems, rating plans, and selection standards to determine eligibility,
desirability and proper classification/pricing.
• Experienced with Commercial Auto, General Liability, Workers Compensation, Umbrella, Property,
Professional, Religious and Inland Marine coverages.
• Review of multiple third party resources to ensure proper classification, rating, and company
exposure is at a minimum.
• Service and review accounts throughout the policy term paying close attention to loss ratios,
endorsement changes, additional interests, and property changes.
• Ensure there are proper controls in place on all policy types (i.e. loss control procedures or vehicle
maintenance procedures review, property maintenance).
• Ensure that US Assure is always compliant with all federal, state and carrier procedures, required for
all transaction types. (i.e. issuance, cancelations and non-renewals).
• Review all endorsement requests that are sent in to ensure alignment with the type of policy and
coverage we insure.
• Provides technical assistance to internal and external customers regarding coverage interpretations,
policy endorsement provisions, and underwriting acceptability for specialty area coverages.
• Work with admitted and non-admitted paper providing experience with Surplus and non -surplus
lines policies.
• Analyze modeling results to support underwriting decisions.
• Use knowledge and independent judgment to determine eligibility of risks.
• Developed effective working relationship with regional sales managers, agents, Sr. management,
underwriting team members and peers.
Zurich Insurance Services, Jacksonville, FL Specialty
Auto/Small Business Underwriter 2007 - 2012
• Accepted, modified or rejected risks based on a review of business, in terms of loss experience,
inspection reports, file information, web resources, policyholder tenure, related policies, and nature of
risk in accordance with company guidelines, standards and compliance with state laws.
• Maintained underwriting quality standards to company target.

3. Karen Richter 904.437.0111 Karenrichter06@gmail.com Page 3
• Provided marketing and training information for offsite risk management meetings.
• Represent department knowledge for clients, agents and support staff.
Risk Analyst 2005 - 2007
• Evaluated submissions, renewals, endorsements and other requests within delegated levels of
authority.
• Pre-underwriting for property and casualty coverages which include, worker’s compensation, inland
marine, umbrella, and business automobiles.
• Responded to questions from agents, insureds and co-workers.
• Assisted agents with comments or questions about application submittals and the likelihood of
acceptance by company.
• Fostered effective working relationship with agents, regional sales managers, underwriting team
members and members of other departments.
• Reviews complex accounts with underwriting supervisor to evaluate and gain approval of
underwriting decisions as appropriate.
Service Representative 2000 - 2005
• Customer service representative responsible for answering phones and processing multiple types of
transactions such as, endorsements, cancelations, reinstatements, billing questions and any additional
insured request, all within company target service levels.
• Provided service for multiple lines of business such as, Builder’s Risk, small business policies which
included auto lines, inland marine, worker’s compensation, umbrella coverage property and general
liability coverage.
PROFESSIONAL DEVELOPMENT
• Peak Performance
• Train the Trainer Course
• Growing Our Leaders
• Underwriting Technical Track
• Modelnetics
• Zurich Insurance Services Employee of the Year 2004