1. Kathleen Schnitzer
Home: 845-733-4782 / Cell: 845-283-2994
kathyschnitzer@yahoo.com
www.linkedin.com/in/kathleenschnitzer123
Professional Profile
Senior underwriter with 20 years of experience in commercial property and casualty lines of insurance for
admitted and non-admitted business. Expertise in measuring and analyzing difficult risks with a focus on
managing books of program and niche business. Recognized as a conscientious, adaptable, detail oriented and
highly organized individual who builds strong relationships with business partners, maintains high standards of
underwriting and achieves strategic goals.
Experience
Admiral Insurance Company / Monitor Liability Managers, 2010 - 2015
(W. R. Berkley Insurance Group) – New York City
Senior Underwriter
Focused on professional liability programs, E&O, Medical Malpractice, D&O for non-profit associations, and PL
& GL packages for physical therapy groups and social service for-profit and non-profit organizations.
 Managed 10 programs while providing quick turn-around on submissions and maintaining high
standards of underwriting.
 Demonstrated strong negotiating skills with business partners to write sound and profitable business.
 Served as subject matter expert to agent’s underwriters.
 Initiated a revised rating methodology with the management team for accounts with high volume
exposures thereby establishing a competitive advantage. Successfully wrote business with premium
ranges from $50K - $250K.
 Created referral fill-in-forms to ensure consistent information was obtained when assessing risk.
Avoided costly errors as imperative data was always collected.
 Lead effort to evaluate recent changes in the Terrorism Risk Insurance Act of 2015. Determined
required forms for our programs and prepared instructions for agents to maintain compliance.
 Responsible for premium forecasting, evaluating possible trends and loss development.
 Collaborated with team to evaluate, revise and create coverage forms, guidelines, manuals for rates &
rules in support of existing and new program development.
 Conducted underwriting reviews / audits and oversaw corrective action.
 Identified a serious problem with an agent’s rating system. Assisted agent with resolution; avoiding a
costly error.
Zurich North America – New York City 2006 - 2009
Senior Program Underwriter
Managed a $12M program with general liability, professional liability and property - premiums ranged up to
$250k. Supported a newly assigned underwriter in the transition of an $8M program.
 Partnered with the actuarial team to develop revised rating methodology for large accounts. Resulted
in premium growth of $500,000 in less than one year.
 Partnered with the Product & Development Team to expand a captive program by adding Umbrella and
Abuse & Molestation coverage. Contributed language for coverage forms, applications and guidelines.

2. Kathleen Schnitzer
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Expansion of product offerings strengthened competitive position which contributed to new business
growth and strong retention rate.
 Lead brainstorming project: “How to direct incoming misplaced customer calls”. Guided team in
identification of issues and resolution of same. Project proved successful – minimizing customer
frustration and improved service satisfaction.
Western World Insurance Group - Franklin Lakes, NJ 2003 - 2006
Program Lead Underwriter
Managed 9 programs with lines in GL, PL, and property. Supervised two direct reports and provided training
commensurate with individual knowledge levels.
 Analyzed policy review process of high volume business to improve efficiency. Reduced review of
renewals by 80%. Similar methodology was applied to other high volume programs.
Tri-State Insurance Agency - Augusta, NJ 2002 - 2003
Commercial Lines Account Rep –
Provided underwriting assistance to producers as well as directly to insureds. Worked with carrier
underwriters in assessment of risks.
Frontier Insurance Company - Rock Hill, NY 1998 - 2001
Senior Compliance Analyst & Market Conduct Coordinator-
Reviewed, amended and submitted coverage forms and rates & rules nationally for all lines of business.
Interacted with internal underwriters and state insurance departments to bring products to market.
 Selected by management to collaborate with underwriting departments on product development.
 Coordinated underwriting review for PL, GL and property for 3 state market conduct exams.
 Maintained affiliations for Insurance Services Office (ISO) and National Council of Compensation
Insurance (NCCI).
 Successfully petitioned ISO regarding affiliation fee. Resulted in savings of $250,000.
Mamakating Insurance Agency - Wurtsboro, NY 1994 - 1998
Personal & Commercial Lines Account Rep –
Field underwriting, providing assistance directly to insureds. Worked with carrier underwriters in assessment
of risks.
Professional Development
 Fundamentals of Insurance
 ASLI Designation
 AU Designation
Professional Affiliations
 PLUS- Professional Liability Underwriting Society